vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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 listed on my credit report, and I am completely unaware of how they appeared. I routinely monitor my credit, but this time, there were inconsistencies that seemed to come out of nowhere. I attempted to refresh my browser to rule out any technical errors, but the incorrect accounts did not disappear. Because of this, I ask that my submitted documents be carefully reviewed to ensure I wont have to deal with this issue again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXXXXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$1400.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX, I received a notification that {$500.00} was removed from my account as an electronic draft. I immediately called my bank XXXX Bank of America XXXX and told them that it was unauthorized and that it was fraud. I explained that the transaction showed it was for XXXX XXXX  CarPay, assuming it was for a car payment, that I do not, nor have I ever had. I was told the first time I called, that there is nothing that she, the representative could do and that I would have to wait for the transaction to post to my account and file a dispute on my own, through the app. I said ok and disconnected the call. 

I called back and spoke with someone else, asked that since it was an ACH, can a stop payment be placed? I was told that a stop payment wasn't recommended because it wouldn't do anything, I would be charged {$30.00} and that it would take 3-5 business days for it to take affect. I explained that the institution I work for, takes overnight processing for a stop payment, so that didn't make sense. I was told that a freeze can be placed on my account for the time being and that I can open a new account if I like. Then to call back later to close the account. Since my account number was compromised, I agreed to freeze the account and open a new one. The rep guided me connected me with the department that could help me and told me to file the dispute later when the transaction posts. 

This fraudulent transaction made my account negative {$280.00}.

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
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, TX, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year>2025 ] Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington, DC 20552 Subject : Complaint Against Equifax for Inaccurate Late Payment Reporting Without Proper Validation or Verification To Whom It May Concern, I am submitting this complaint against Equifax for reporting inaccurate late payments ( 60, 90, and 120 days late ) on my credit report without proper validation or verification. The information reported has caused significant harm to my credit score and financial well-being. 

Upon reviewing my credit report, I noticed that Equifax has reported late payments inaccurately for my [ XXXX XXXX XXXX  XXXX XXXX ], [ XXXX XXXX XXXX  ], [ XXXX XXXX XXXX XXXX ], and [ XXXX XXXX XXXX XXXX I dispute the validity of these reports as I have not received proper documentation or evidence substantiating these alleged delinquencies. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to verify the accuracy of the information they report, yet Equifax has failed to provide adequate proof of these claims despite my previous disputes. 

Furthermore, as per the recent enforcement action by the CFPB, Equifax has been fined for failing to properly investigate consumer disputes and for continued violations of fair reporting laws. The CFPB 's recent fine against Equifax highlights its failure to comply with federal regulations regarding credit reporting accuracy and consumer dispute resolution. 

I am formally requesting the CFPB to investigate Equifaxs failure to properly validate and verify the reported late payments on my credit file. I am also requesting that these inaccurate late payments be removed from my credit report immediately, as they are unjustly impacting my creditworthiness. 

Attached to this complaint, I have included a copy of my credit report reflecting the erroneous late payment entries, as well as any relevant correspondence with Equifax regarding my dispute. 

I request that the CFPB take immediate action to ensure Equifax adheres to its obligations under the FCRA and to prevent further consumer harm due to its negligent reporting practices. 

Please provide me with an update regarding the status of this complaint at your earliest convenience. I appreciate your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
EQUIFAX is violating my consumer rights. They are fraudulently letting XXXX XXXXXXXX management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on EQUIFAX for failure to investigate as I'm a federally protected consumer. I will also be reporting both EQUIFAX and XXXX XXXX to the IRS filling out form 3949- A information referral for unreported income since EQUIFAX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX XXXX attached proof that XXXX  XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX XXXXXXXX pays EQUIFAX to report inaccurate information and EQUIFAX refused to give me a fair investigation for their financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: WI

Complaint narrative:
I Am filing a Complaint against Experian for failing to properly investigate my Disputes regarding inaccuracies in my credit report. Despite my submissions, Experian Constantly responding within 24 hrs stating the account is accurate, without providing any evidence of a thorough investigation.This practice Violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Which Mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Finacial Protection Act ( CFPA ), 12 U.S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the nessary proof of investigation. the accounts I reported are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: PA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: LEXISNEXIS
State: CA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: MI

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have sent this company letters after letters dating ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX in the amount of {$580.00}. I have called Portfolio Recovery spoke to XXXX XXXX in XXXX XXXX to cease and dismiss this due to the arbitration clause from XXXX. Also continued to ask XXXX XXXX for the Purchase Agreement. They have continued to pass this account around to several different companies giving out my personal information WITHOUT MY CONSENT or SIGNATURE. They continue to send me the same thing over and over and NOT WHAT I ASKED FOR. Between phone calls and written letters they have yet to provide me any information. I need this to stop and tell them to send me exactly what I have been asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
EXPERIAN is violating my consumer rights. They are fraudulently letting XXXX management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on EXPERIAN for failure to investigate as I'm a federally protected consumer. I will also be reporting both EXPERIAN and XXXX to the IRS filling out form XXXX A information referral for unreported income since EXPERIAN XXXX paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX  I attached proof that XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX pays EXPERIAN to report inaccurate information and EXPERIAN refused to give me a fair investigation for their financial gain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a formal dispute to [ Experian/Equifax/TransUnion ] XXXX XX/XX/year> XXXX multiple inaccuracies on my credit report. This dispute included : Name Correction Address Update Derogatory Remarks Removal Illegal Debt Buying. 
Hard Inquiry Removal Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau is required to investigate and respond within 30 days. It has now been over 30 days, and [ XXXX XXXX has failed to respond or correct these errors, which is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am writing to formally dispute the inaccurate and unverifiable accounts currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) and 1681s-2 ( b ), you are required to conduct a reasonable reinvestigation of disputed accounts within 30 days. However, due to the recent legal actions and settlements against XXXX and XXXX for their failure to uphold compliance with federal law, I demand immediate removal of the following accounts within five ( 5 ) days of receiving this notice. 

Disputed Accounts : [ List the account names, account numbers ( last four digits ), and creditor names ] XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX JPMCB CARD SERVICES, XXXX XXXX XXXX XXXX, 1000 According to 15 U.S. Code 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy in consumer reports. The accounts listed above are inaccurate, outdated, and/or unverifiable, violating your obligations under the law. If these accounts can not be independently verified with legally admissible documentation from the original creditor, you are required to delete them immediately under FCRA 1681i ( a ) ( 5 ) ( A ). 

Furthermore, in light of recent legal settlements involving XXXX and XXXX, it has been established that both bureaus have engaged in unlawful reporting practices, misrepresentation of data accuracy, and failure to properly investigate disputes. This has resulted in legal consequences, including mandated corrections and account deletions for affected consumers. 

Given this precedent and my rights under the FCRA, I am demanding the permanent deletion of the disputed accounts within 5 days of receiving this letter. If these accounts are not removed within this timeframe, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action for willful non-compliance under FCRA 1681n. 

Please send me written confirmation of the deletion of these accounts within 5 days. Failure to comply with this request will result in further legal action against your agency for violating my rights under federal law. 

I expect your immediate compliance and look forward to receiving confirmation of the removals.

Company response to consumer: Closed with explanation