vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$1600.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 

I am requesting a thorough investigation into these items, as they are not reported accurately. 

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 
If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past XXXX months. 

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-09 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: PA

Complaint narrative:
I recently came across the CFPBs lawsuit against Experian and wanted to express my concerns regarding my own experience with their credit reporting practices. I believe I have been negatively impacted, as their handling of my dispute has hurt my chances of obtaining credit. 

I submitted multiple disputes regarding certain accounts on my credit report via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, I received a response stating that the accounts were verified. However, I was not provided with any supporting documentation or clear evidence of this verification. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. If Experian is unable to produce proper documentation to support these accounts, they are obligated under the law to correct or delete the information. Given the repeated failure to provide verification, I believe these accounts should be promptly removed from my credit report. 

I would appreciate any guidance on how to proceed and ensure that my credit report reflects only accurate and verifiable information. Thank you for your time and assistance.

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 2025-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Old collectors on my credit report.

Old accounts have not been deleted or removed.

DATA BREACH! 
My data was breached so I need a whole new clean credit report under my name XXXX personal information, because this is stopping me from having a better future with my family because this also affects my whole family as well. 
I was told I would have 30 days to resolve theses issues on my credit XXXX on my personal information, and am holding the government to their word on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a payment to Capital One 's Savor Credit Card for {$70.00} on XX/XX/year> and these guys rejected my payment for no reason. The bank account 's routing number and account number I used is correct and they provided no reason for the rejection. Force these people to accept the payment so I can close this worthless credit card that these guys are trying to make into a late payment. I have started another attempt of payment today and I want these guys aware that if they continue discriminating against my bank account, which has the funds, they will be dragged into a small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Correction to my personal information Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address and names off my personal record. 


Incorrect name : XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX IS SHOWING TO DIFFERENT DATES OF DEPOSITING MY MONEY WHICH I PAID IN FULL CODE XXXX ON XXXX XX/XX/year> IN PERSON AT THIER BRANCH LOCATED ON XXXX XXXX XXXX XXXX LA XXXX. NOW THEY HAVE TWO DIFFERENT DATE OF XXXX AND XXXX OF DEPOSTING MY MONEY THAT ACTUALLY ZEROED MY BALANCE TO {$0.00}. THIS DETRIMENTAL TO ME PURCHASING MY HOME, I'M FURIOUS THAT THIS ENTITY IS EXERCISING BEHAVIORS OUT IN OPEN PUBLIC. FOR THIS INSULT I ASK FOR LACHES OF {$1000.00} DOLLARS FOR EACH VIOLATION, AND LACHES TO BE APPLLIED IMMEDIATELY FOR EVERYONE INVOLVED OF $ XXXX NOW THIER SHOWING REVERSALS ON THE ACCOUNT AFTER THE FACT OF FACTIOUS ACTIVITY ON THE ACCOUNT XXXX XXXX XXXX CODE XXXX. PAID IN FULL ON XXXX XX/XX/year>. 

THIS ENTITY NEEDS EXTREME LACHES APPLIED IMMEDIATELY {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: LA

Complaint narrative:
XXXX XXXX XXXX IS SHOWING TO DIFFERENT DATES OF DEPOSITING MY MONEY WHICH I PAID IN FULL CODE XXXX ON XXXX XX/XX/year> IN PERSON AT XXXX XXXX LOCATED ON XXXX XXXX XXXX XXXX LA XXXX. NOW THEY HAVE XXXX DIFFERENT DATE OF XXXX AND XXXX OF DEPOSTING MY MONEY THAT ACTUALLY ZEROED MY BALANCE TO {$0.00}. THIS DETRIMENTAL TO ME PURCHASING MY HOME, I'M FURIOUS THAT THIS ENTITY IS EXERCISING BEHAVIORS OUT IN OPEN PUBLIC. FOR THIS INSULT I ASK FOR LACHES OF {$1000.00} DOLLARS FOR EACH VIOLATION, AND LACHES TO BE APPLLIED IMMEDIATELY FOR EVERYONE INVOLVED OF $ XXXX NOW THIER SHOWING REVERSALS ON THE ACCOUNT AFTER THE FACT OF FACTIOUS ACTIVITY ON THE ACCOUNT XXXX XXXX XXXX CODE XXXX. PAID IN FULL ON XXXX XX/XX/year>. 

THIS ENTITY NEEDS EXTREME LACHES APPLIED IMMEDIATELY {$35000.00}

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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Rosebud Economic Development Corporation
State: GA

Complaint narrative:
The company is called Three Sticks and I loaned {$700.00} back in XX/XX/year> and they continue to take money out of my account despite me already paying all of it back and when I tried to ask why were they still charging my account they simply said that my request was revoked and they will continue to take money out of my account ; I feel like I am being scammed they take out {$93.00} every week despite me already paying back what I've already loaned, I really need them to stop taking funds from my account as soon as possible.

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 2025-02-09 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Eperian, alleging systemic issues such a as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
These are the accounts listed as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX, XXXX XXXX under account number XXXX and XXXX & XXXX I under account number XXXX. I believe this account is either inaccurately reported or should not be reported at all.

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 2025-02-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX Dear [ XXXX ], I hope this letter finds you well. I am writing to formally dispute certain inaccuracies that I have identified in my credit report, as provided to me by your agency. I believe these items are in violation of the Fair Credit Reporting Act ( FCRA ), specifically the provisions outlined under 15 U.S.C. 1681i, which requires credit reporting agencies to ensure that information in their files is accurate and complete. 

The items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, this letter, and if you fail to verify the accuracy of this information, you must remove it from my credit file. 

Relevant FCRA Legal References : 15 U.S.C. 1681i ( a ) requires that upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation, free of charge, and correct or delete any inaccurate or unverifiable information.

15 U.S.C. 1681e ( b ) mandates that you ensure the information you report is accurate. 
15 U.S.C. 1681c-1 prohibits the reporting of outdated information beyond certain time frames ( e.g., seven years for most negative information ). 
I request that you investigate the following items and update my credit report accordingly. Please also send me a copy of the updated report once your investigation is completed. 

If you are unable to verify the accuracy of the disputed information, I request that you remove it from my credit report in accordance with the provisions of the FCRA. 

Thank you for your prompt attention to this matter. I look forward to receiving your confirmation that my report has been corrected, or the items have been deleted. 

Sincerely, XXXX 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 2025-02-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I am a single mom with a recent death in the family. I lost my mother and still paying for her funeral expenses. May she RIP. The financial struggle is so real I am behind 4 months on my mortgage and was given a trial payment that was difficult to afford. The trial payment was {$4200.00} needless to say, I could not afford it after a few months, then defaulted after a roof leak with the hurricane the insurance company People Trust refused to repair my roof. They had charged over {$8000.00} per year for my insurance premium and did not pay any money to fix my roof. That is despicable as I was covered and still no help. That led to my saving money to fix the roof before I lost my valuables to mold. 
Carrington gave me the disaster forbearance. However, it is expired on XX/XX/year>. I have no help as I am behind. I give Carrington access for you to get information on my behalf. I hope this helps. I want to keep the property if I can. get an affordable payment. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> Equifax, Experian, TransUnion Subject : Final Request for Investigation Completion and Removal of Inaccuracies To Whom It May Concern, I am writing in response to your recent communication stating that I must provide additional identifying documents to complete your investigation process. I have already submitted sufficient identification, which was enough for you to remove inaccuracies from my report previously ( XXXX  XXXX ) Therefore, it should be more than adequate to complete your investigation. However, I have enclosed my ID again in this letter. 

It appears that this request for further documentation is a stall tactic. As per the Fair Credit Reporting Act ( FCRA ) and IRS regulations, you are required to ensure that the alleged accounts in question are verifiably mine and 100 % accurate. I demand that you provide a detailed list of the investigative tactics and procedures used to confirm their validity.

You have already exhausted the 30-day time frame allotted by law to investigate disputes. Therefore, if you can not provide undeniable proof of the accuracy and ownership of these accounts, I demand their immediate removal from my credit report within 15 days. Failure to do so will leave me no choice but to pursue legal action. 

I must also remind you that your delay in resolving this matter is causing financial harm, as I am unable to obtain a vehicle necessary for employment. Any further failure to act in compliance with the law could result in legal consequences, including damages for financial hardship. 

I expect your prompt attention to this matter and a written response detailing your findings. 

I have provided the original letter with high-lighted credit report and credentials to verify my identity. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> Equifax, Experian, TransUnion Subject : Final Request for Investigation Completion and Removal of Inaccuracies To Whom It May Concern, I am writing in response to your recent communication stating that I must provide additional identifying documents to complete your investigation process. I have already submitted sufficient identification, which was enough for you to remove inaccuracies from my report previously ( XXXX  XXXX ) Therefore, it should be more than adequate to complete your investigation. However, I have enclosed my ID again in this letter. 

It appears that this request for further documentation is a stall tactic. As per the Fair Credit Reporting Act ( FCRA ) and IRS regulations, you are required to ensure that the alleged accounts in question are verifiably mine and 100 % accurate. I demand that you provide a detailed list of the investigative tactics and procedures used to confirm their validity.

You have already exhausted the 30-day time frame allotted by law to investigate disputes. Therefore, if you can not provide undeniable proof of the accuracy and ownership of these accounts, I demand their immediate removal from my credit report within 15 days. Failure to do so will leave me no choice but to pursue legal action. 

I must also remind you that your delay in resolving this matter is causing financial harm, as I am unable to obtain a vehicle necessary for employment. Any further failure to act in compliance with the law could result in legal consequences, including damages for financial hardship. 

I expect your prompt attention to this matter and a written response detailing your findings. 

I have provided the original letter with high-lighted credit report and credentials to verify my identity. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-02-09 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: AZ

Complaint narrative:
I recently disputed an account from XXXX XXXX XXXX that is showing on my Experian credit report. Experian stated that the account from XXXX XXXX XXXX " has not been changed and will remain on your credit report ''. However, Experian failed to produce the following : 1. PROOF OF VERIFICATION 2. METHOD OF VERIFICATION XXXX. MOST IMPORTANTLY, PROOF THAT XXXX  XXXX XXXX CAN EVEN LEGALLY COLLECT ON THE ACCOUNT. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian asserting that Experian does not take sufficient steps to intake, process and investigate disputes. Experian routinely and uncritically accepts the original furnishers response to the disputed information. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report. I am personally being affected by the very reason that Experian is being sued. This failure is causing inaccurate or unverifiable accounts to be unresolved yet remain on my report. Experian is wrongfully causing ongoing harm to my credit standing as well as violating federal law and my rights as a consumer. I therefore request that immediate corrective action is taken and for Experian to permanently delete the XXXX XXXX XXXX account from my credit report.

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