vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: PA

Complaint narrative:
I am writing to formally dispute information on my credit report regarding accounts reported XXXX XXXX  XXXX ACCOUNT NUMBER XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccuracies or incomplete information appearing on my credit report, and I am requesting an immediate investigation into these accounts. Under 15 U.S.C. 1681 of the FCRA, I request that these inaccuracies be investigated, and if the data can not be verified or corrected within 30 days of receiving this dispute, the information must be removed from my credit report. Section 15 U.S.C. 1666 ( b ) Additionally, under 15 U.S.C. 1666 ( b ), I also request that any incorrect payment information or reporting practices that violate this statute be thoroughly reviewed and rectified, particularly with regard to any credit report entries that are based on billing errors or inaccurate reporting practices. I have enclosed a copy of my credit report with the disputed accounts highlighted, along with any supporting documents I have regarding these accounts. Please conduct a thorough investigation, and if you can not substantiate the information, I request that these accounts be immediately removed from my credit history. Please confirm receipt of this dispute and notify me of the results of your investigation within 30 days as required by law. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: FIRST ADVANTAGE CORPORATION
State: IN

Complaint narrative:
A " developed name '' has appeared on my report, never seen on previous reports. The indicated name is my first and last name, but with a roman numeral suffix added. My identity includes no suffix. 

Lastly, there is a previous criminal charge listed on my report that has been older than 7 years for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal 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 explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2025-03-08 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: MD

Complaint narrative:
To whom it may concern, I XXXX XXXX is writing in concerns of DEPTTEDXXXX for reporting to the credit bureau that my payments were more than 30 days late. I have no knowledge of my payment being late I was not sent this information nor did I speak to anyone about my payment being late. Im on XXXX and I reported this to the student loan department. They can pull my social and tell that Im unemployed. I truly have been stressed out behind this situation it has taken my credit for a turn to worse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eagle Financial Services, Inc.
State: IN

Complaint narrative:
I requested a 1099 as the company charged off the account and has been compensated for the debt that still remains on my credit report. Also the company has the same item listed as a charge off for multiple months and it had only been charged off once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to investigate a disputed student loan account on my credit report within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ). I submitted a dispute requesting the removal of this account, yet Equifax has exceeded the 30-day period required to conduct and complete its reinvestigation.

Regardless of whether the account belongs to me, Equifax is obligated under federal law to investigate and verify the accuracy of the disputed information in a timely manner. Their failure to do so is a direct violation of the FCRA, and as a result, this account continues to negatively impact my credit profile.

I request that the Consumer Financial Protection Bureau investigate Equifaxs noncompliance and take appropriate enforcement action. Furthermore, due to Equifaxs failure to investigate within the required timeframe, I demand the immediate removal of this student loan account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

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 2025-03-08 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: Kikoff Inc.
State: TX

Complaint narrative:
This debt is satisfied and should not be on my credit repost. Because there is nothing to report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NY

Complaint narrative:
since my previous complaint on XX/XX/year>, I called True Accord again on XX/XX/year> and was told of a XXXX dollar debt with XXXX XXXX XXXX. Obviously this is different from my previous contact with them. I became concerned at that point because I gave all my personal information. After that conversation I looked at my credit report and it was removed but the damage was done already, my credit score was significantly impacted by this fraudulent company. My score is down XXXX point. I did get a screenshot of it before it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I recently got a notice from XXXX XXXX that stated a collection had hit my credit. I reached out to account resolutions about it and was told they are only the intermediary and do not negotiate to pay off the debt and that I needed to contact XXXX XXXXs. This is also a medical debt so I'm unsure as to why it was allowed to be reported in the first place. I contacted XXXX XXXX  and was told they will not negotiate for a single one time payment to pay off the debt as it's in collections now they can only take a payment and notify the collection agency a payment was made. I asked why this was reported as its a medical debt and the receptionist in billing just said it's up to collections. Account resolutions told me i had to contact XXXX XXXX as they can not negotiate a lower pay off. I confirmed with XXXX XXXX billing lady that this was a medical debt and it shouldnt be reported on my credit report. All she said was " mm hmm that's right ''. I went ahead and made a payment to XXXX XXXX for XXXX, but was told that a payment plan could not be set up because that's only for keeping them from sending the bill to collections and reporting it. The amount they are reporting is also not matching the amount my insurance states. The amount they showed was XXXX. The amount my insurance is saying I still owe is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: ID

Complaint narrative:
On XXXX I called One main financial to get debt validation, payment history, and if there was an insurance claim on this debt, also it shows collection/charge off on reports. Account charge off {$1600.00} written off {$2000.00} past due. 
I spoke with XXXX XXXX at One main. 
When I asked about it being reported collections/charged off. She explained it was sent to collection and came back to One Main. Today, I got a alert that remarks of Collection/charge off was changed on report. It seems shady and fraudulent. But, I'm no Legal authority. Also, the account number on the main reporting agencies are different than the one she had on her files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: PA

Complaint narrative:
I am writing to formally dispute information on my credit report regarding accounts reported XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccuracies or incomplete information appearing on my credit report, and I am requesting an immediate investigation into these accounts. 
Under 15 U.S.C. 1681 of the FCRA, I request that these inaccuracies be investigated, and if the data can not be verified or corrected within 30 days of receiving this dispute, the information must be removed from my credit report. 
Section 15 U.S.C. 1666 ( b ) Additionally, under 15 U.S.C. 1666 ( b ), I also request that any incorrect payment information or reporting practices that violate this statute be thoroughly reviewed and rectified, particularly with regard to any credit report entries that are based on billing errors or inaccurate reporting practices. 

I have enclosed a copy of my credit report with the disputed accounts highlighted, along with any supporting documents I have regarding these accounts. Please conduct a thorough investigation, and if you can not substantiate the information, I request that these accounts be immediately removed from my credit history. 

Please confirm receipt of this dispute and notify me of the results of your investigation within 30 days as required by law. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

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 2025-03-08 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: PA

Complaint narrative:
I am writing to formally dispute information on my credit report regarding accounts reported XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccuracies or incomplete information appearing on my credit report, and I am requesting an immediate investigation into these accounts. 
Under 15 U.S.C. 1681 of the FCRA, I request that these inaccuracies be investigated, and if the data can not be verified or corrected within 30 days of receiving this dispute, the information must be removed from my credit report. 
Section 15 U.S.C. 1666 ( b ) Additionally, under 15 U.S.C. 1666 ( b ), I also request that any incorrect payment information or reporting practices that violate this statute be thoroughly reviewed and rectified, particularly with regard to any credit report entries that are based on billing errors or inaccurate reporting practices. 

I have enclosed a copy of my credit report with the disputed accounts highlighted, along with any supporting documents I have regarding these accounts. Please conduct a thorough investigation, and if you can not substantiate the information, I request that these accounts be immediately removed from my credit history. 

Please confirm receipt of this dispute and notify me of the results of your investigation within 30 days as required by law. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports

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 2025-03-08 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: CA

Complaint narrative:
Requested a cycle of " methods of Verification '' dispute notices only to be ignored, as an automated computer generated " verified '' pursuant to the FCRA procedure in case of disputed accuracy section, 15 USC 1681i ( 7 ) This agency has violated my consumer rights and violated federal law under the premises purposes section : there's proof in 15USC 1681b ( 2 ) of the fair credit reporting act. 

Please see attached

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 2025-03-08 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: 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 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 2025-03-08 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief