vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To whom it may concern, I, XXXX XXXX Am disputing the accusations stating that my credit do not qualify for apartment unit that I applied for when it's not stating the reasons are causing why that I am not qualified for this unit. It's just stating due to my credit and I have nothing on my credit that would actually stop or hinder me to be able to attain a rental property. I am disputing the accusations of reasons of why I am not able to be approved for the property because my credit is up a good standards. So other than me having a identity theft and I have freeze my credit due to accurate false accusations that was applied on my credit and I already had got that repaired. So the information that is actually being reported and your guys XXXX XXXXXXXX is incorrect. So I don't know what type of software you using, but I think you need to utilize accuracy before you report falsifications on a consumer. Which we already know that XXXX Equifax XXXX  is not actually reporting accurate reports. So I think you needed just not just use only Equifax XXXX XXXX. But also you need to base to utilize all the bureaus versus just XXXX Equifax XXXX report. 
Delete evictions 15 USC 1637 ( 2 ) 9a ) 15 USC 1681- 15 USC 1681e ( b ) 15 USC 1681s-29 Collections : 15 USC 1692c 15 USC 1681e ( b ) 15 USC 1692g.

Charge offs : 15 USC 1635. 15 USC 1692a Late payment:15 USC 1681 ( 2xi ) 15 USC 1666b . 
12 fcra Your Application at XXXX at XXXX  Dispute letter : XXXX a XXXX I XXXX XXXX XXXX is dispute the XXXX XXXX XXXX XXXXXXXX on code Law 15U.S.C1692 and 12CFR 1002 denial in violation Law credit score on credit based do to Law I XXXX XXXX is requesting reverse decision on my application I put in on the property management company went through your processing software. 

Dispute letter, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is dispute the denal from XXXX XXXX on code Law 15U.S.C1692 and 12CFR 1002 denial in violation Law credit score on credit based do to Law I XXXX XXXX XXXX XXXX reverse decision on my application I put in on the property management company went through your processing software. 

Dispute letter, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX and its says late payment {$270.00} XXXXXXXX XXXXt late payment {$390.00} XXXX XXXX XXXX late payment {$210.00} XXXX XXXX XXXX late payment XXXX XXXX late payment {$410.00} XXXXXXXX XXXX XXXX  late payment {$740.00} XXXX XXXX late payment XXXXXXXX XXXX late payment {$1300.00} XXXX xxx sXXXX XXXX  collections {$510.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1200.00} and the company is XXXXXXXX XXXX XXXXXXXX XXXX  late payment {$520.00} I'm not aware of all this so I want this remove off of my credit

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: OK

Complaint narrative:
My payment was refused because it was not the amount they are authorized to collect. I can not afford that amount at this time. I was trying to pay half now and half in a week or so but they declined payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
I receive text messages from RMP, LLC for {$93.00} amount I own allegedly to XXXX XXXX XXXX. 
I think this is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX Experian Consumer Disputes XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Removal of Old Address from Credit Report Dear Sir/Madam, I am writing to dispute an incorrect address listed on my Experian credit report. The address in question is listed as XXXX XXXX XXXX XXXX XXXXand it is outdated. I have previously contacted the creditor who originally reported this address and have requested them to update their records accordingly. Despite this, I am still being told by Experian that the address can not be removed from my report until the creditor makes the change. 

I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information reported on my credit report. Specifically, 15 U.S. Code 1681e ( b ) requires that credit reporting agencies, including Experian, take reasonable steps to ensure the accuracy of the information in my credit report. Since I have already provided the necessary information and confirmed with the creditor that this issue should be corrected, Experian is in violation of the FCRA by continuing to report this outdated address. 

As such, I respectfully request that you promptly update my credit report by removing the old address from my file. Failure to do so would be in violation of the FCRA, and I may be forced to take further steps, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. 

Please confirm the removal of the old address from my credit report and provide me with a written response within the 30-day timeframe required under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to XXXX  XXXX XXXX , address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX to resolve my issue with my XXXX  XXXX  on XX/XX/XXXX of 2024. She offered XXXX  XXXX  to wear. Device was very uncomfortable, bulky and difficult to wear. But I did wear it anyway for 3 month. This custom made device di nothing, my problem ( XXXX XXXX XXXX XXXX ) did not go away or even got little better. I decided go to another XXXX that I used in my past XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. She made completely different XXXX  XXXX, that was small, lightweight and comfortable to wear. I did wear it for 2 weeks and problem disappeared. I send letter form my new doctor who helped resolve my problem to Care Credit Card that I am under supervision and in treatment of XXXX XXXX XXXX. I did file a dispute with my credit card ( Care Credit ), that office of XXXX  XXXX XXXX really fast suggested to use in amount of {$4200.00}. Care credit declined my dispute twice.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
I complained last time about the mortgage increase. By the escrow company. They didn't take in count my homestead approval for the taxes relief. In their response to CFPB, they recognized that the decision came late, but they didn't correct and continued to charge me an extra {$200.00} per month. 
I received the taxes bills for XXXX  and there's no change that justify the extra {$200.00}

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
this account has been closed since XX/XX/year>2023, the original amount listed on my credit report is {$14000.00} this was a voluntary repossession i gave the car back because the cars condition wasnt going to last me the term of the loan the car had a bad motor and i reported that to both the loan company and the dealership the first 3 days of financing. since i have given the car back they sold the car againat an auction. they wanted me to pay the remainder of what wasnt paid at the auction for XXXX dollars. the loan remainder has been passed XXXX different companies since then exeter is no longer in charge of this balance and that is what is being shown on my credit report. i have disputed this situated many times and all exeter does is update remarks on my credit report but they no longer own the account.

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 is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I filed a dispute on XXXX, PORTFOLIO RECOV ASSOC, balance of {$1000.00}, due to negative derogatory remarks. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting housing for an apartment. XXXX violates my rights as a consumer, as well as federal laws.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was informed that my information was included in a data breach and when I went to check my credit I noticed that I had XXXX collections showing my my credit that are not mine and filed a FTC report along with this under CFPB. I contacted XXXX credit and was told the account is with XXXX XXXX. Once I called them I was told to call account Support at ( XXXX ) XXXX. I informed them I was a victim on identity theft and was told the account would be removed. Unfortunately to this date it is still showing on my direct file.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 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:
I am formally invoking my rights under the following federal laws, which mandate the accuracy, fairness, and transparency of consumer credit reporting : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ) FCRA 1681n Liability for Willful Noncompliance Violation of FDCPA 1692e ( 8 ) Prohibition of False Credit Reporting Violation of TILA 1637 ( b ) Right to an Accurate Billing Statement Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) ( False or Misleading Representations )

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below 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 XXXXXX/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 explanation