vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified or deleted : XXXX XXXX XXXXXXXX ( Account # XXXX ) Late payments reported in XXXXXXXX XXXX, and a charge-off with a {$830.00} past due balance. Please verify the payment history and charge-off status. 

XXXX XXXX Account # XXXX ) Late payments reported in XXXX XXXX XXXX, and a charge-off of {$1100.00} with a {$1100.00} past due balance. Please verify the payment history and charge-off status. 

XXXX XXXX XXXX ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XXXX  with a balance of {$540.00} past due. Please verify the accuracy of this information. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX, Account # XXXX ) Collection account with a {$670.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX, Account # XXXX ) Collection account with a {$610.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. 

If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. 

Please complete your investigation within the 30-day timeframe required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation

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 2025-01-09 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: MS

Complaint narrative:
Subject : Demand for Proper Investigation of Disputed Credit Report Errors To Whom It May Concern : I am writing to formally address Experians inadequate and sham investigation of the disputes I submitted regarding errors on my credit report. Despite providing detailed evidence and documentation to support my claims, Experian has failed to conduct a reasonable and thorough investigation, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

This letter specifically concerns the following erroneous items that remain uncorrected on my credit report : 1. XXXX XXXX XXXX XXXXXXXX 2. XXXX XXXXXXXX Your response to my dispute ( s ) demonstrates an egregious failure to comply with your statutory duty to conduct a reasonable reinvestigation. Experians apparent reliance on automated verification systems ( e.g., e-OSCAR ) without genuine review or analysis of my submitted evidence constitutes a sham investigation. This practice fails to meet the standard of a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Experians Failures Include : Failure to Properly Investigate : The lack of engagement with the supporting documentation I provided shows that Experian conducted a perfunctory and ineffective review. 
Failure to Correct Inaccuracies : The disputed items continue to appear on my credit report without justification. 
Failure to Comply with FCRA Requirements : Experians actions violate 15 U.S.C. 1681e ( b ) ( requirement to maintain accurate credit reports ) and 15 U.S.C. 1681i ( a ) ( requirement to conduct a reasonable reinvestigation ). 

Legal Action Warning If Experian does not resolve these disputes immediately, I will have no choice but to escalate this matter. Specifically : 1. Within 10 days, Experian must : Conduct a proper and thorough investigation of each disputed item. 
Provide a written explanation of the investigation methods used. 
Correct or remove the disputed errors from my credit report. 
2. If these conditions are not met, I will pursue all available remedies under the FCRA, including filing a lawsuit for : Actual damages caused by harm to my creditworthiness. 
Statutory damages for noncompliance. 
Punitive damages for willful violations. 
Attorneys fees and costs. 

This letter is both a formal dispute and a demand for immediate corrective action. Experians continued negligence and failure to act will result in further liability. 

I expect Experian to take this matter seriously and fulfill its legal obligations under the FCRA. Failure to resolve these disputes adequately and promptly will leave me no choice but to escalate the matter legally and notify regulatory authorities.

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 2025-01-09 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: MS

Complaint narrative:
Subject : Demand for Proper Investigation of Disputed Credit Report Errors To Whom It May Concern : I am writing to formally address Experians inadequate and sham investigation of the disputes I submitted regarding errors on my credit report. Despite providing detailed evidence and documentation to support my claims, Experian has failed to conduct a reasonable and thorough investigation, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

This letter specifically concerns the following erroneous items that remain uncorrected on my credit report : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXXXXXX Your response to my dispute ( s ) demonstrates an egregious failure to comply with your statutory duty to conduct a reasonable reinvestigation. Experians apparent reliance on automated verification systems ( e.g., e-OSCAR ) without genuine review or analysis of my submitted evidence constitutes a sham investigation. This practice fails to meet the standard of a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Experians Failures Include : Failure to Properly Investigate : The lack of engagement with the supporting documentation I provided shows that Experian conducted a perfunctory and ineffective review. 
Failure to Correct Inaccuracies : The disputed items continue to appear on my credit report without justification. 
Failure to Comply with FCRA Requirements : Experians actions violate 15 U.S.C. 1681e ( b ) ( requirement to maintain accurate credit reports ) and 15 U.S.C. 1681i ( a ) ( requirement to conduct a reasonable reinvestigation ). 

Legal Action Warning If Experian does not resolve these disputes immediately, I will have no choice but to escalate this matter. Specifically : 1. Within 10 days, Experian must : Conduct a proper and thorough investigation of each disputed item. 
Provide a written explanation of the investigation methods used. 
Correct or remove the disputed errors from my credit report. 
2. If these conditions are not met, I will pursue all available remedies under the FCRA, including filing a lawsuit for : Actual damages caused by harm to my creditworthiness. 
Statutory damages for noncompliance. 
Punitive damages for willful violations. 
Attorneys fees and costs. 

This letter is both a formal dispute and a demand for immediate corrective action. Experians continued negligence and failure to act will result in further liability. 

I expect Experian to take this matter seriously and fulfill its legal obligations under the FCRA. Failure to resolve these disputes adequately and promptly will leave me no choice but to escalate the matter legally and notify regulatory authorities.

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 2025-01-09 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: MD

Complaint narrative:
On XX/XX/2025, a dispute letter was sent to Experian regarding Affirm account numbers XXXX, XXXX, XXXX, and XXXX ( letter is enclosed ). Under the Fair Credit Reporting Act ( FCRA ), my consumers credit report functions as a credit device. This term refers to tools used to XXXX or deny access to credit. If a late payment is misreported, the consumer report is being used incorrectly as a credit device, violating my rights. I wrote Experian disputing the late payment reported on my credit report for the account referenced above delivered via certified mail. Federal law requires creditors to notify consumers of a late payment at least XXXX  days before the billing due date. Upon reviewing my records, I have found no evidence that such notice was provided. Experian is reporting false information and the late payments need to be removed per 15 USC 1666b ( Timing of Payments ) for any reported account. The company violated the XXXX rule and the lenders own policies for notification. Please see the enclosed certified letter sent to Experian.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My card with XXXX ending with XXXX was closed by XXXX in XXXX XXXX. There were no late fee nor carry over balance or ongoing subscriptions charges rolling over, when the account was closed. Then XXXX stop email statement and switched to mail only which I didn't realize to check my mail. I didn't realize until my credit score from Experian dropped by XXXX point. I try to contact XXXX but they give me the run around nor the branch manage in XXXX XXXX can help with my situation. There new charge in XX/XX/year> since but my account was closed by XXXX already. XXXX doesn't have a dept or personnel to assist with my situation as the account is closed and fraud dept can help to file a claim. I am stuck with Experian lowering my credit score after two attempt to explain my situation but come back decline. Please kindly assist to protect my credit score. Many thx

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 2025-01-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Information Re : Account Name : XXXX XXXX  Account Number : XXXX Dear Experian Dispute Department, I am writing to formally dispute the inaccurate and incomplete information reported on my Experian credit report as of XX/XX/XXXX, regarding the above-referenced account. The information listed is inaccurate, misleading, and not verifiable as required under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S.C. 1681i ).

Here are the key inaccuracies : 1. Account Status and Charge-Off : The account status is reported as charged off in XX/XX/XXXX, with a {$450.00} balance written off. This reporting is inconsistent with accurate reporting standards as the balance details and status updates do not align with proper validation.

2. Payment History : The 24-month payment history is riddled with inaccuracies, and it is not clear whether the creditor adhered to accurate recordkeeping under FCRA 623 ( a ) ( 1 ).

3. First Payment Never Received : The comment First payment never received is vague, unverifiable, and unfairly damages my creditworthiness.

The FCRA mandates that all data furnished to credit reporting agencies must be accurate, complete, and verifiable. As such, I am requesting the following actions : Immediately investigate and verify the accuracy of this account.

Remove any unverifiable, inaccurate, or incomplete information, including but not limited to the charge-off and payment history errors.

Provide me with documentation substantiating the reported informations accuracy and completeness, including account statements, transaction records, and validation of the alleged charge-off.

Should your investigation fail to verify the accuracy and completeness of this information within 30 days as required by FCRA 611 ( a ) ( 1 ), I demand that you promptly delete this account from my credit file. Failure to comply with these legal obligations may result in legal action under FCRA 616 and 617 for willful and negligent noncompliance, respectively.

I have attached a copy of my credit report with the disputed account highlighted for your convenience. Additionally, please note that I reserve the right to seek damages for any harm caused by this inaccurate reporting, including legal fees and credit-related damages.

I expect a prompt response confirming receipt of this letter, along with a summary of your investigative actions and their outcome. You may send your findings to the address listed above.

Thank you for your immediate attention to 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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
This company Harris & Harris is trying to collect a debt I have no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : 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 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 XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : 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 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 XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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 2025-01-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was affected by Equifax and XXXX data breach. My information was hacked and leaked. This Credit reporting agency is in violation of FRCA laws. 

According to FRCA 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assemble by credit reporting. USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than 4 business days after date of receipt.

1681g ( a ) 1 Information on files, source, reporting receiptents.

_Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer ; ( 1 ) All information in the consumer 's file at the time of request. This agency in violation of not being able to supply what you have on file to verify the following accounts : XXXX XXXX ( acct # XXXX ) XXXX XXXX ( acct # XXXX ) XXXX XXXX ( acct # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( acct # XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This is a continuation of the previously filed complaint against national credit system. This complaint is equally against national credit XXXX on behalf of XXXX XXXX. In both cases National Credit XXXX violated the law by attempting to collect a XXXX from me that I do not own. I want this current complaint to be joined with the initial one. 

I will like to make a distinction that I have two complaints against National credit XXXX. One of which has already been reported to my credit record in the amount of {$1700.00}. The another in the amount of {$10000.00}, which national credit system says I owe XXXX XXXX as shown in their debt collection notice. I hope this will put an end to this reckless behavior by national credit XXXX 

I have previously reached out to both XXXX and National credit XXXX. The landlord in this case XXXX says I have a lease with them and hence owe them but just like XXXX XXXX. I didnt follow through with the lease because I offered to pay rent with rental assistance and they said they do not accept rental assistance as forms of payment. Then I asked that the lease process be discontinued a year even before the lease would have gone into effect. 

The common denominator in this whole situation is National credit XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I filed a complaint with CFPB in regards to my Navient private student loans. I was claiming that my loans should be discharged due to misconduct on the part of my school ( XXXX XXXX XXXX XXXX ). I received an application from Navient and I returned it with supporting documentation. They Denied me without any explanation. Sense then the DOE has determined that my loans were approved for discharge and full removal from my credit report. Now XXXX services Navient loans and every time that I try to explain my situation they just want money. I am submitting documents that will explain. It doesn't make sense that the federal government has discharged these loans and Navient can even do the right thing and discharge my loans. Thank you for your attention.

Company response to consumer: Closed with explanation