vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
My account with XXXX XXXX AND XXXX 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 in to be removed. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to request a thorough investigation into the failure of Equifax and Experian to handle my disputes in compliance with the Fair Credit Reporting Act ( FCRA ). Their actionsor lack thereofhave directly harmed my financial well-being and ability to access credit fairly.

Recently, the CFPB filed a lawsuit against Experian and Equifax for failing to conduct proper investigations into consumer disputes, engaging in " sham investigations, '' and other unlawful practices. Specifically, these credit bureaus have been accused of : Conducting inadequate investigations that fail to properly address consumer disputes. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about the results of investigations 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 disputes have been mishandled in a similar manner. 

Details of My Disputes I submitted multiple disputes to Equifax prior to the CFPB lawsuit. Specifically : On XX/XX/year>, I submitted disputes with confirmation numbers XXXX and XXXX. 
On XX/XX/year>, I submitted another dispute with confirmation number XXXX. 
Despite providing clear documentation pointing out the inaccuracies, the disputed information has remained on my report with no valid justification. 

Similarly, I submitted disputes with Experian around the same timeframe. However, I have been unable to access the dispute center without being forced to pay for a {$30.00} subscription. This paywall is an unfair and unreasonable barrier to resolving credit inaccuracies, leaving me without access to my dispute records and unable to verify if my concerns were even addressed.

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 2025-03-11 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: EQUIFAX, INC.
State: NC

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 XXXX XXXX XXXX XXXX ( XXXX ), 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 XXXX XXXX CXXXXe XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX CXXXXe XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX 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 XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXX ( 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. XXXXc ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
Today, I discovered inaccurate accounts on my credit report, and I have no idea why they are there. I regularly check my report, and everything was fine before, but now there are inconsistencies. I even refreshed my browser to rule out a system error, yet the incorrect information stayed. Given this, I ask that my submitted documents be carefully reviewed so I can stop worrying about this issue.

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 2025-03-11 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 am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA XXXX to XXXX a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX to Block Inaccurate InformatioXXXX Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX  upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested XXXX To resolve this matter, I demand the following actions : XXXX a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
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 2025-03-11 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: IL

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 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 2025-03-11 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: VA

Complaint narrative:
XXXX ) The Truist account payment history for XXXX, XXXX, and XX/XX/year> is reported incorrectly, showing a XXXX late payment for XXXX, a XXXX late payment for XXXX, and a XXXX late payment for XXXX. This pattern is inaccurate and impossible ( completely skipping a XXXX  day late ). 

XXXX ) XXXX XXXX account is inconsistently reporting to TransUnion and Experian. TransUnion has recorded an unverified payment history while at the same time reporting the account status as XXXX while Experian is reporting the account as XXXX. 

XXXX ) Experian is reporting XXXX unauthorized inquiries from XXXX XXXX As permitted by 15 U.S.C. Code 1681 ( XXXX ) ( b ), I requested a detailed description of the procedure used to verify the accuracy of the XXXX and XXXX XXXX accounts, including parties interviewed and data sources consulted.

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 2025-03-11 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX 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 XXXX, alleging systemic issues such 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
XXXX ) The Truist account payment history for XXXX, XXXX, and XX/XX/year> is reported incorrectly, showing a XXXX late payment for XXXX, a XXXX late payment for XXXX, and a XXXX late payment for XXXX. This pattern is inaccurate and impossible ( completely skipping a XXXX  day late ). 

XXXX ) XXXX XXXX account is inconsistently reporting to TransUnion and Experian. TransUnion has recorded an unverified payment history while at the same time reporting the account status as XXXX while Experian is reporting the account as XXXX. 

XXXX ) Experian is reporting XXXX unauthorized inquiries from XXXX XXXX As permitted by 15 U.S.C. Code 1681 ( XXXX ) ( b ), I requested a detailed description of the procedure used to verify the accuracy of the XXXX and XXXX XXXX accounts, including parties interviewed and data sources consulted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX ) The Truist account payment history for XXXX, XXXX, and XX/XX/year> is reported incorrectly, showing a XXXX late payment for XXXX, a XXXX late payment for XXXX, and a XXXX late payment for XXXX. This pattern is inaccurate and impossible ( completely skipping a XXXX  day late ). 

XXXX ) XXXX XXXX account is inconsistently reporting to TransUnion and Experian. TransUnion has recorded an unverified payment history while at the same time reporting the account status as XXXX while Experian is reporting the account as XXXX. 

XXXX ) Experian is reporting XXXX unauthorized inquiries from XXXX XXXX As permitted by 15 U.S.C. Code 1681 ( XXXX ) ( b ), I requested a detailed description of the procedure used to verify the accuracy of the XXXX and XXXX XXXX accounts, including parties interviewed and data sources consulted.

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXXXXXX JEFFERSON CAPITAL SYSTEMS Dear Re : Cease and Desist Notice for [ Describe the Action ] I, XXXX XXXX, the undersigned, hereby demand that you immediately cease and desist from making defamatory statements about me, engaging in unfair competition. 
It has come to my conclusion harassing.These actions are unlawful and are causing harm to me and/or my business. I have not authorized you to engage in these activities, and they violate my laws, contracts, or rights that have been infringed upon, copyright.According to this FCRA Section 605B it's illegal to report anything on my credit without my permission. Please remove this negative item. Thank you.

Therefore, I require that you : 1. Immediately cease and desist from contacting me. 2. Any other corrective act
ion, be remove content, retract statements.

3. Provide written assurance by XX/XX/XXXX that you will comply with this demand. 
Please be advised that if you do not cease and desist from the aforementioned actions within XXXX days, I will be forced to take further legal action, which may include filing a lawsuit for damages and seeking any other relief available under the law. 
This letter is sent in good faith and is not to be construed as a waiver of any of my rights or remedies available under law. 
I expect your immediate cooperation in resolving this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
To whom it may concern : We are filing a complaint against XXXX XXXX XXXX for withdrawing XXXX payments on a XXXX agreement. I believe the XXXX XXXX XXXX lease reference number is XXXX. 

The agreement was a XXXX equipment lease between XXXX, XXXX, ( XXXX ) XXXX and XXXX XXXX that was contracted by XXXX XXXX to XXXX XXXX XXXX for XXXX. 

The agreement calls for XXXX  months of payments in the amount of {$120.00} each, plus a XXXX-month buyout termination. Instead of ceasing automatic withdrawals after XXXX  months ( the XXXX lease term and XXXX buyout termination ), XXXX XXXX XXXX withdrew XXXX XXXX XXXX totaling an illegal and gross overpayment in the amount of {$3100.00}. 

This was during the XXXX pandemic, and we were extremely short staffed. Once I put XXXX and XXXX together and discovered the error, I immediately reached out to XXXX XXXX XXXX and the withdrawals ceased immediately, no questions asked. That, right there, is a red flag. 

We have had numerous lease agreements, identical to this one, with XXXX XXXX. With every XXXX of the agreements, we have paid the XXXX-month buyout termination fee and, after XXXX  months and XXXX payments, the equipment has become ours. 

I have reached out to XXXX XXXX XXXX on several occasions requesting a refund in the amount of the {$3100.00} overpayment that was illegally withdrawn from our account, to no avail. 

Page XXXX, Paragraph XXXX clearly states : Upon XXXX  receipt of the Prepayment Amount and Termination Fee, Customer shall become the owner of the Equipment.... 

Page XXXX, Equipment Schedule No. XXXX, XXXX. Financial Terms clearly states : XXXX XXXX XXXX : {$3000.00} XXXX ( XXXX. of Months ) : XXXX Termination Fee : The amount of XXXX monthly Lease Payments The Prepayment Amount ( XXXX payments ) and Termination Fee ( XXXX payments ) totals {$3300.00}, yet XXXX XXXX XXXX withdrew a total of {$6400.00} from our account, which reflects an illegal overpayment in the amount of {$3100.00}.

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 explanation