vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: LA

Complaint narrative:
On XX/XX/year> I wrote a letter to XXXX XXXX XXXX department to have late payments removed from my credit report with the credit bureau and asked for a written response but never received XXXX. Since then the late payments are still on 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service International Corp
State: NC

Complaint narrative:
This debt is medical related. I have and continue to dispute the amount owed. However, regardless of my continued actions, it is my understanding that a collection agency can NOT report medical debt to the credit bureaus. In late XXXX, the collection agency did report my debt to the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP Code : XXXX, Ga XXXX : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Department XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit reports issued by XXXX, XXXX, and XXXX. Upon reviewing my reports, I noticed a significant error related to my CITI CARDS/CITIBANK account ( Account Number XXXX ). 
Specific Inaccuracy : The report states that the account was charged off with a past due amount of {$1200.00} as of XX/XX/XXXX and a balance of {$4000.00} updated as of XX/XX/XXXX. However, there is a clear inconsistency in the payment history section : 1. The payment history shows multiple charge-offs ( CO ) reported consecutively for several months in XXXX and XXXX. According to the Fair Credit Reporting Act ( FCRA ), a charge-off can only be reported once and should not appear as a recurring event. Reporting a charge-off for multiple months is factually incorrect. 
2. Additionally, the payment history indicates that the account was closed ( XXXX  ) in XXXX and XX/XX/XXXX but continues to report charge-offs ( CO ) after these dates. If the account was closed, it should not have further charge-offs reported, making this information inaccurate. 
3. There is also a discrepancy in reporting late payments for months after the charge-off date, which is not compliant with accurate reporting standards under the FCRA. 
Requested Actions : 1. Reinvestigate this account information with CITI CARDS/CITIBANK to verify its accuracy.

2. Correct the status of the account by removing the repeated charge-off entries and the inaccurate late payments if they are indeed errors, or provide supporting documentation validating the reported information.

3. Update my credit reports accordingly and send me corrected copies. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the inaccurate information for your reference and request that XXXX and XXXX also verify the accuracy of this account. 
I would appreciate your prompt attention to this matter and a response within 30 days of receiving this letter. Should you need any further information to complete the investigation, please contact me directly at the phone number or email listed above. 
Thank you for addressing this issue promptly. 
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 non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My Name is XXXX XXXX and my information was exposed in a data breach. 
Being my information has/will/ and can be used again being all of my social security information, my date of birth, and my personal information was stolen due to this data breach, I want my credit report cleared of anything and everything. Should you need to contact me personally please do so I would be happy to speak with 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 2025-03-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My personal info was found in numerous times in a data breach.

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 2025-03-01 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: CA

Complaint narrative:
My personal info was found in numerous times in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
Experian 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 Experian, alleging systemic issues 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 Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inactions violates federal law and my rights 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 explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Reporting and responding to inquiries provided inaccurate late payments, inaccurate public debt info, inaccurate credit scores and false accounts.Failure to protect personal information. I was denied mortgage loan and car loan because of inaccurate information on my credit 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 2025-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
I was recently made aware that medical debt a rule was passed to remove collections for medical collections off of credit report and would also like to state that this collection company paid XXXX dollar on each account to keep the accounts active which is unethical and wrong under the fair credit act and I would like these accounts account removed from my credit please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 inaccurate.

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 2025-03-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AR

Complaint narrative:
USBank Business XXXX XXXX XXXX XXXX. Charged {$40.00} overlimit fee on XX/XX/year> because of monthly posted finance charges, NOT because of a purchase. This is unethical and improper.

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 2025-03-01 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 requested that Experian Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
XXXX XXXX : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX you for your prompt 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 2025-03-01 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: FL

Complaint narrative:
Subject : Urgent Demand for Correction of Inaccurate Late Payment Reporting Dear EXPERIAN I am writing to formally dispute the inaccurate and unlawful late payment reporting on my account XXXX XXXX XXXX XXXX with your company. This derogatory mark is false and must be removed immediately, as I was never late in making my payments. I demand the immediate correction of this error to reflect my perfect payment history. 
Violation of Federal Consumer Laws Under 15 U.S.C. 1666b Timing of Payments, a payment is considered on time if it is received by XXXXXXXX XXXX  on the designated due date. If you are alleging that my payment was late, I demand verifiable proof that it was not received on time and that your processing methods adhere to the legal standard. 
Furthermore, your company is required to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) by ensuring the accuracy and fairness of any reported payment history. Your failure to properly notify me before reporting this alleged delinquency and to allow the legally required dispute resolution timeframe is a clear violation of my consumer rights. 
Legal Violations and Demands for Resolution As a creditor, you are legally obligated to : * Send a billing statement that accurately reflects my payment history.

* Provide a grace period ( if applicable ) before marking a payment as late.

* Allow 30 days to resolve billing disputes before reporting negative information.

* Notify me before reporting any derogatory information to the credit bureaus. 
* Ensure absolute accuracy and fairness in all credit reporting practices. 
Your failure to uphold these requirements constitutes negligence and noncompliance with federal consumer protection laws. 
I demand the immediate removal of this false late payment entry and an update to my credit report reflecting my accurate and timely payment history. If this matter is not resolved within 15 days, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my legal counsel to seek further legal action. 
This letter serves as formal notice that I will not tolerate any inaccurate, misleading, or unverified reporting. Please confirm the removal of this erroneous late payment from my credit report and provide written acknowledgment of the correction immediately. 
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 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
Concora claimed to CFPB that they had resolved the matters of complaint XXXX and XXXX. They lied. 
As previously proven, my access was blocked to my account after I made a complaint to them and told them I would file a complaint. I did not regain access to my account untill XX/XX/XXXX. When I did, it showed me being 60 days deliquent and oweing a due now of {$160.00} and a total over {$200.00} I had to wait to find a XXXX  to call for me because they still are refusing to provide anyway for this XXXX person to communicate with them. When the XXXX  person called I was told my minimum payment was {$120.00} and it would still have late fees and reflect deliquent, despite fact they had blocked my access. I offered to pay as agreed. That is, when this mess started in XXXX of XXXX, before I was blocked, I owed {$180.00}. My contractual payment amount is {$40.00}. I said I would pay $ 40 month till the {$180.00} was paid, accepting the incrued interest as contracted. They said no. I told them I will file another CFPB complaint and I am also filing a discrimination complaint with DOJ. 
Immediately after hanging up, I was once again blocked from my account. I could not access the account. I had the hearing person call back. Concora admitted that they automatically block access to accounts upon threat of complaints. This is illegal.

They have made it impossible to pay what I do legitimately owe, they refuse to provide reasonable accommodation for my XXXX, they fraudulently report delinquency to credit bureaus, they add charges and change the terms of the agreed contract in ways they have no legal right to do. 
This is beyond illegal and unethical. They need to be held accountable. If they get by with it again, XXXX filing suit in court. This time I recorded all conversations since they lied about them last time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
Dispute of Erroneous Business Account Reported on My Credit Report I am writing to formally dispute an account that appears on my credit report, which I believe is inaccurately attributed to me. The account in question is a business account and does not pertain to my personal financial history. I request a thorough investigation into this matter and the removal of the incorrect information from my credit file. 

Below are the details of the disputed account : Account Name : XXXX XXXX XXXX Account Number : XXXX I have no association with the above-mentioned business account. This discrepancy appears to be the result of either a clerical error or misidentification, and its presence on my personal credit report is both misleading and damaging to my credit profile. 

Please complete an investigation into this dispute and provide written confirmation of the results. If the account is found to be in error, I request that it be removed immediately from my credit report. Additionally, please inform me of the steps taken to resolve this issue and the expected timeframe for completion. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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 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

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