vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681b and 15 U.S.C. 1692g, I am entitled to request and receive specific information related to this debt.

I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices.

In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : 1. The date of first delinquency.

2. The date of the last payment.

3. The date of charge-off.

4. The chain of assignment for this debt. 

Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas. 

Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
XX/XX/year> Amount {$630.00} this account was sent to collectors and.charge me for unnecessary charges that I can not afford in my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Incorrect and no proof of accounts that belong to me and have been disputing with no respond from companies or CREDIT bureau XXXX and XXXX. XXXX response is always after 30 days with same computer generated response. Which they have not provided proof of debt or respond and has not been removed per FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Futhermore, Experian actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File # XXXX report # XXXX, File # XXXX report # XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request for Removal from Collections, Due to bad practices. 

Dear Consumer Financial Protection Bureau, I am writing to formally address an urgent matter regarding my credit report and the impact of XXXX XXXX on my financial standing. My personal information and account information, which has adversely affected my credit and led to the involvement of several collection agencies. Due to Aggressive and threatening collection practices with previous help from the cfpb. They have ceased and desist and closed the account due to the threatening of incarcerated me by one of their agent agents they have sent me apology emails and said that they were closed the account with no late payments or etc.. The account was also to be removed as agreed from my credit profile that has not been done since XXXX 

I am writing to formally demand the immediate removal of the collection account related to the debt referenced in your previous communications, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Despite my previous requests for removal of this debt, XXXX XXXX has failed to provide the necessary documentation to substantiate its legitimacy to not remove the account of credit reports to remove the negative reporting status. I have given ample time and opportunity for this collection to be removed from all reporting credit bears, and since this has not been done, I will not accept any hold on this debt any longer being placed on my credit report. 

This debt must be removed from my credit report immediately. If it is not removed within the next 10 days, I will have no choice but to involve my legal counsel, who will seek damages and compensation for the mental anguish caused by this situation, as well as the inability to receive credit services due to your reporting to the credit bureaus. 

Please consider this letter a final notice to rectify this matter. I expect your prompt attention to this issue and a confirmation of the removal of this debt from my credit report. 

Specifically, I am requesting immediate removal from the following collections : - *XXXX XXXXXXXX Due to the unauthorized access to my personal information, I believe that these collection is a direct result of XXXX XXXX  doing what they agreed, Also this does not accurately reflect my financial behavior. I have taken steps to secured my credit integrity and credit worthiness to the appropriate authorities Cfpb and all credit reporting agencies? Still the account has not been removed. 

I kindly ask for your assistance in rectifying this situation as soon as possible. Please let me know if you require any further information or documentation to process my request. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting under the FCRA Dear : XXXX credit report I am writing to formally dispute inaccurate and incomplete information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified errors associated with the account : Creditor Name : COMENITYBANK/VICTORIA Account XXXX : XXXX The reported late payments XX/XX/year> are either inaccurate, unverifiable, or do not comply with the legal requirements under the FCRA. Specifically, the inconsistencies in reporting include : Discrepancies in the reported late payments between different bureaus. This inconsistency suggests errors or unreliable reporting that must be corrected. 
Failure to properly verify the accuracy of the late payment data before reporting. Under 15 U.S. Code 1681e ( b ), credit bureaus are required to maintain the maximum possible accuracy of consumer reports.

The reporting may not comply with the proper verification and dispute resolution process required under 15 U.S. Code 1681i.

As this information is damaging to my creditworthiness, I demand an immediate reinvestigation under the FCRA and request the following action : Remove or correct the inaccurate late payments to reflect a current positive standing. 
Provide written confirmation of the deletion or correction within 30 days as required by law. 
Failure to correct this inaccurate reporting may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Enclosed, I have attached a copy of my credit report highlighting the disputed items for your reference. Please investigate this matter promptly and provide me with the results of your investigation. 

I expect a written response within 30 days of your receipt of this letter, as per the FCRA guidelines. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX  because my paid-off auto loan isn't showing up on my credit reports from XXXX, XXXX, and TransUnion. The loan, which I paid off in XX/XX/2024, is completely missing from all three reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX  because my paid-off auto loan isn't showing up on my credit reports from XXXX, Experian, and XXXX. The loan, which I paid off in XX/XX/year>, is completely missing from all three reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX because my paid-off auto loan isn't showing up on my credit reports from Equifax, XXXX, and XXXX. The loan, which I paid off in XX/XX/year>, is completely missing from all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, XXXX OF XXXX XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, XXXX XXXX XXXX NET ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX Open date XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am formally disputing the erroneous reappearance of an account from XXXX XXXX XXXX on my credit report. This account was previously closed as paid and subsequently deleted in XXXX. However, it has since reappeared without any explanation or proper notification, violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 

Furthermore, XXXX allegedly sold the account to Jefferson Capital, which then transferred it to another collection 's agency. Despite this, Jefferson Capital is still inaccurately reporting the account on my credit report without providing the legally required debt validation notice under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. This failure to validate the debt before continued collection and reporting constitutes an FDCPA violation.

Additionally, under FCRA 15 U.S.C. 1681s-2, furnishers of information are prohibited from reporting inaccurate, incomplete, or unverifiable data. The reappearance of this account without notices or validation directly violates this provision. Given that I was not properly informed of the account 's sale or any subsequent changes, and that I have yet to receive proper validation from any collection agency, this account is being reported unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I reported fraud on my credit report about XXXX XXXXXXXX XXXX it wasn't me they didn't not show me how it was verified to be me. I didn't not open that account. It needs to be deleted now. There is no wet signature proving it was me that created that account. 

XXXX had a data breach and I'm a victim of fraud TransUnion is being sued for not verifying account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681b and 15 U.S.C. 1692g, I am entitled to request and receive specific information related to this debt.

I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices.

In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : 1. The date of first delinquency.

2. The date of the last payment.

3. The date of charge-off.

4. The chain of assignment for this debt.

Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas.

Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt.

Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681b and 15 U.S.C. 1692g, I am entitled to request and receive specific information related to this debt.

I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices.

In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : 1. The date of first delinquency.

2. The date of the last payment.

3. The date of charge-off.

4. The chain of assignment for this debt.

Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas.

Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt.

Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) reported delinquencies on all three credit bureau 's in XXXX of XXXX. I have sent several requests to have this derogatory information removed as all payments were made on time. the payment due date was the XXXX of each month and the XXXX payment was made on XX/XX/XXXX before it was 30 days late. I have attached the payments made as proof. I have previously requested from XXXX to remove this negative mark with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) reported delinquencies on all three credit bureau 's in XXXX of XXXX. I have sent several requests to have this derogatory information removed as all payments were made on time. the payment due date was the XXXX of each month and the XXXX payment was made on XX/XX/XXXX before it was 30 days late. I have attached the payments made as proof. I have previously requested from XXXX to remove this negative mark with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) reported delinquencies on all three credit bureau 's in XXXX of XXXX. I have sent several requests to have this derogatory information removed as all payments were made on time. the payment due date was the XXXX of each month and the XXXX payment was made on XX/XX/XXXX before it was 30 days late. I have attached the payments made as proof. I have previously requested from XXXX to remove this negative mark with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have identified fraudulent accounts on my credit report that were opened in my name without my authorization. I have already submitted a dispute letter and an FTC Identity Theft Report ( No. XXXX ) to TransUnion as supporting documentation. Despite this, the fraudulent accounts remain on my TransUnion report. 

TransUnion is obligated under the Fair Credit Reporting Act ( FCRA ) to remove any fraudulent accounts that can not be verified. These accounts do not belong to me and should be permanently deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation