vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX La XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute Regarding inaccurate information on my Credit Report. Dear : Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my well-being. I am aware of my rights under the fair credit Reporting A hand request a thorough investigation into these inaccuracies, as required by Federal Law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly Investigate consumer disputes citing sham investigations and other unlawful practices These practices as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputes properly. Reinserting previously disputes and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to inform you that I am a victim of the data breach that occurred within your system, and I am requesting that all accounts associated with my personal information be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ), which provides that accounts impacted by a data breach may be blocked and removed from consumer reports. 
Please find my personal information below for your reference : XXXX XXXX XX/XX/year> XXXX I am requesting that you take all necessary steps to immediately block and delete any and all accounts related to my personal information that were exposed during the breach, as required by law. I would also appreciate a confirmation of receipt of this letter and notification when the necessary actions have been completed. 
If you require any additional documentation to process this request, please inform me at your earliest convenience. I trust that Equifax will take the appropriate actions to ensure that my rights under the Fair Credit Reporting Act are protected. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I call XXXX XXXX and Experian. The items I needed them to verify correctly they didnt do a good job and throughly investigate the accounts. I gave them police reports and FTC reports and Im still having issues with these accounts. Experian and TransUnion wont let me get into my account anymore and now Im really upset.

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 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Your Account Dispute has been updated. 
The incorrect account with XXXX XXXX XXXX starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX This account was added back after it has been proven paid in full, they removed it as a collection account But same day added it to my credit profile as an account with a debt owed

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 2025-03-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : SXXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-06 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: SC

Complaint narrative:
I am formally disputing the inaccurate and potentially unlawful reporting of account information on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The specific item in question is an account reported by " XXXX, '' which contains conflicting and unverifiable data that violates federal law. 
Disputed Account Details : Creditor Name : XXXX Dispute Grounds : Inconsistent Reporting Violates FCRA 15 U.S.C. 1681e ( b ) : The high balance is reported differently across bureaus. 
Equifax incorrectly lists the balance as {$0.00}, which does not align with the high balance reported by TransUnion and Experian. 
The date of last activity is inconsistent across bureaus, raising concerns about the accuracy and verification of this account. 
Failure to Conduct a Proper Investigation under FCRA 15 U.S.C. 1681i : The account has not been disputed before, yet contains conflicting data that should have been corrected. 
If the furnisher can not verify the correct details with documented proof, the item must be deleted immediately. 
Case Law Precedents Supporting My Dispute : XXXX XXXX TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that credit reporting agencies must conduct an independent investigation rather than relying solely on furnishers. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case confirms that inaccurate reporting that remains uncorrected after notice violates the FCRA. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : The court held that failure to correct incorrect account information after a dispute is a breach of FCRA obligations. 

My Demands : Conduct a thorough investigation into this accounts reporting as required by federal law. 
Provide me with verifiable documentation proving the accuracy of this account. 
If verification can not be provided, immediately delete this account from my credit file. 

Cease all inaccurate reporting to ensure compliance with the FCRA. 
Failure to comply with these legal obligations may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action pursuant to FCRA 15 U.S.C. 1681n and 1681o. 
I expect a written response and resolution within 30 days, as required by law. Please send all correspondence to my address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am disputing charges and fraudulent uses of accounts with Barclays Bank of Delaware and XXXXXXXX XXXX XXXXXXXX. ive had a relative come stay with me temporarily while she was staying with me she was able to access all of my personal information, including my bank info statements, credit cards, and my Social Security number. She also use my kids identity information and stole their identity as well she used my Barclays bank of Delaware card to make fraudulent charges without my knowledge. Balance in the about of {$3500.00}. She also use my information to order furniture from XXXXXXXX XXXX XXXXXXXX, which valued up to {$1600.00}. She then took the furniture and moved it into her own apartment. I had her arrested and press charges on her. I told this information to the company and gave them a police report FTC report and they refused to move these charges from my account. I dispute. These charges several times and the findings were determined that I was accountable for these charges, which is not fair because I was the victim of fraud.

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 2025-03-06 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am filing a formal complaint against Affirm for inaccurately reporting a late payment on my account XXXX in XXXXXX/XX/year> when my payments were deferred under the CARES Act due to XXXX. This reporting is not only incorrect but also a direct violation of my rights under federal law-The CARES Act ( Section 4021, Public Law No. 116-136 ). At the time of my deferment, my account was in good standing, and I had never missed a payment. Despite this, Affirm falsely reported a late payment, which has negatively impacted my credit report. 

Furthermore, Affirm has a well-documented history of inaccurate reporting, including unauthorized loans and delinquent accounts, as highlighted in consumer complaints filed with the XXXX XXXX XXXX XXXX XXXX  ) and legal discussions regarding Fair Credit Reporting Act ( FCRA ) violations ( XXXX and XXXX XXXX. Affirms pattern of reporting errors demonstrates a reckless disregard for consumer protection laws. 

I demand the immediate correction of my credit report to reflect a status of Paid as Agreed, Never Late for this account. If Affirm fails to comply, I am prepared to escalate this matter by filing additional complaints with the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursuing legal action for damages under the Fair Credit Reporting Act ( 15 U.S.C. 1681n & 1681o ) for willful and negligent noncompliance.

I have attached supporting documentation, including my payment history, and recent credit reports showing the inaccurate late payment. I expect a response within 30 days, confirming that this error has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
During XXXX, XXXX XXXX neglected to renew my XXXX XXXX XXXX. During XXXX, I tried to obtain XXXX XXXX and was told that XXXX XXXX would need to call and renew the insurance. XXXX XXXX refused. In XXXX, my lost my condo to a fire and XXXX XXXX would not give me a claim # to pay for the hotel that I was forced to live in. I begged for a claim number and was denied. I had been paying my mortgage for XXXX years on the XXXX of each month. I also questioned where my money had gone to if I paid on the XXXX of XX/XX/XXXX. No answer. I have a diary of phone calls to the company. I was not able due to their neglect to pay the mortgage, XXXX fees and my hotel room that I was forced to live in for a year. 

I would like XXXX XXXX to remove that XXXX  from my credit report since I was able to sell the unit and my unit was never sold at a Sheriff sale. 

I am not allowed to upload the letter sent to my from XXXX XXXX mortgage dept

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXXXXXX 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