vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
EXPERIAN, Subject : Formal Dispute and Demand for Immediate Removal of Settled Accounts : XXXX Bank Delaware, XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), XXXX Card/XXXX  XXXX I am writing to formally dispute the continued presence of XXXX accounts on my Experian credit file, all of which have been settled in full through National Debt Relief ( XXXX  ). Your reporting of these accounts is inaccurate, incomplete, and legally prohibited, and your ongoing failure to correct them is a direct violation of the Fair Credit Reporting Act ( XXXX  ) and Fair Debt Collection Practices Act ( XXXX  ). 
The following accounts must be immediately and permanently removed from my credit report : XXXX. XXXX Bank Delaware XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Bank XXXX. XXXX XXXX XXXX ( collecting for XXXX XXXX ) XXXX. XXXX Card/ XXXX XXXX All of these debts were settled through XXXX XXXX XXXX and are subject to legally binding agreements. Your reporting is not only factually incorrect, but also unlawful, as the attorney for XXXX XXXX XXXX confirmed that these tradelines must be deleted in accordance with the settlement terms. Continued reporting of these accounts, especially in derogatory status, is illegal and actionable. 
Additionally, your office has failed to respond to my prior dispute dated XX/XX/year> within the XXXX statutory window. This violation further requires the automatic deletion of all disputed entries. 

Action Demanded : Immediately delete all XXXX accounts listed above from my Experian credit file, Provide written confirmation of full deletion within XXXX days, Include a full copy of your investigation results as required by law. 


I have enclosed documentation of the settlement agreements, relevant excerpts from the CFPB complaint, and screenshots of the inaccurate credit report entries. If this issue is not resolved immediately, I will escalate this matter through the CFPB, state regulators, and legal counsel. 
Sincerely, XXXX XXXX Enclosures : Copies of Settlement Agreements via XXXX XXXX XXXX Highlighted Credit Report Entries CFPB Complaint Confirmation

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 2025-04-29 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: MD

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE IT THANK YOU. 
XXXX XXXX XXXX, XXXX, MD 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 2025-04-29 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: NY

Complaint narrative:
My name is XXXX XXXX and I am filing a formal complaint against Experian for inaccurately reporting information regarding my XXXX XXXX XXXXXXXX account ( partial account number : XXXXXXXX XXXX XXXX XXXX ). 

I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards, as follows : - Inconsistent status across credit bureaus : Experian reports the account as Closed while XXXX  reports it as Open. This inconsistency violates FCRA 15 U.S.C. 1681e ( b ), which requires credit information to be accurate and complete. 
- Discrepancy in High Credit reporting : XXXX  reports the High Credit as {$0.00}, whereas Experian reports {$1200.00}. Under Metro 2 Format guidelines ( Field XXXX ), such discrepancies are not allowed and can cause inaccurate scoring. 
- Conflicting Date Last Active across bureaus : Experian shows a different date from XXXX  and XXXX, which misrepresents account activity and negatively impacts credit scoring models. 
- Active dispute flag without correction : Although the account is marked as disputed, Experian continues to report contradictory and unverifiable data, which violates FCRA 15 U.S.C. 1681s-2 ( b ) the duty to investigate disputed information.

These inconsistencies materially affect the accuracy of my credit report and misrepresent my creditworthiness. 

I am formally requesting : - A full reinvestigation of the XXXXXXXX XXXX XXXXXXXX account. 
- A correction of the reported data to ensure it is consistent, complete, and verifiable per FCRA and Metro 2 standards. 
- Deletion of any unverifiable or inconsistent information from the credit file. 

Please provide written confirmation of the outcome of your investigation within 30 days as required by the FCRA. 

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 explanation
Consumer complaint received 2025-04-29 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 lawfully disputed inaccurate personal information, outdated addresses, unauthorized employers, and unverifiable account data with Experian. I submitted full legal identification ( government ID and SSN card ) as required by FCRA 609 ( a ) and requested verification or removal of disputed items under FCRA 611 ( a ). 

Despite my verified disputes, Experian failed to conduct a lawful reinvestigation and continues to report conflicting, inaccurate, and unverifiable information, including false names ( " XXXX XXXX XXXX, '' " XXXX XXXX '' ), outdated addresses ( XXXX XXXX XXXX, XXXX CA, and XXXX XXXX addresses ), outdated employment ( XXXXXXXX XXXX XXXX XXXX XXXX  ), and accounts such as XXXX repossession and XXXX XXXX XXXX XXXX collection that show conflicting dates, balances, and statuses compared to other reports dated XX/XX/year>, and XX/XX/year>. 

This constitutes willful violation of FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( a ) ( failure to properly reinvestigate upon consumer dispute ). 

I demand immediate full deletion of all inaccurate, unverifiable, and unlawful information in accordance with federal law. 

" No weapon formed against me shall prosper. '' XXXX XXXX " Let justice roll on like a river, righteousness like a never-failing stream. '' XXXX XXXX Personal Information Violations ( Experian ) : Incorrect Names : " XXXX XXXX XXXX, '' " XXXX XXXX, '' " XXXX XXXX '' ( Correct : " XXXX XXXX XXXX '' ) Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX CA Unauthorized Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Violation : FCRA 607 ( b ), accuracy requirement ; 611 ( a ), mandatory reinvestigation ; 609 ( a ), identity verification. 

Account Inaccuracies ( Experian ) : XXXX : Marked " Repossession, '' conflicting dates and incorrect delinquency ( XX/XX/year>XXXX  ), reported " Open '' and " Closed '' at once, conflicting with XXXX and XXXX. 

XXXX XXXX XXXX XXXX : Incorrect status ( Collection ), conflicting account number ( XXXX ), balance update discrepancies, no verifiable documentation. 

LoanMe : Incorrect status " Closed/Never late '' conflicts with other reports. 

Violation : FCRA 607 ( b ), 611 ( a ), 609 ( a ), FDCPA 807 ( 2 ), 807 ( 14 ). 

History of violations : CFPB v. Experian. 

By the authority of XXXX and law, immediate deletion demanded for all inaccuracies. 
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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting an incorrect XXXX XXXX XXXXwhich does not match the name on my official records or what should be reflected in my credit report. My correct name is XXXX XXXX XXXX XXXX, and this discrepancy has caused unnecessary confusion. Additionally, TransUnion is showing inaccurate employer information as XXXX. This is entirely wrong, and I demand that it be removed immediately. I recently applied for a loan, and the lender pointed out that the name on my credit report doesnt match the name on my documents, causing a serious issue in the loan application process. This not only compromises my financial reputation but also creates unnecessary obstacles when applying for credit. Under 15 U.S. Code 1681i ( a ), TransUnion has an obligation to ensure that personal information is accurate and up-to-date, and failing to reflect my correct name and employer information is a clear violation of this responsibility. 
I have attached a copy of my ID, which clearly shows my accurate legal name, XXXX XXXX XXXX XXXX, to further substantiate my claim and facilitate a faster resolution. This document should serve as valid proof of my legal identity to ensure that the changes are made promptly across all three bureaus.

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 2025-04-29 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: AZ

Complaint narrative:
XXXX a victim of identity theft upon checking my credit report I see some fraudulent inquiries that I didnt authorize to have companies pull my information, please remove the fraudulent inquiries from my credit report immediately according to FCRA 605B ( 15 U.S.C. 1681c-2 ). I have reported the fraudulent inquiries to the federal trade commission and enclosed the identity theft report, along with ID, SSN, FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NV

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-29 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: Experian Information Solutions Inc.
State: AL

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 explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding multiple voicemails left by Balanced Healthcare Receivables LLC that blatantly violate CFPB Regulation F ( 12 CFR 1006.2 ( j ) ) concerning limited-content messages, as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( b ) regarding unauthorized third-party disclosure.

Balanced Healthcare Receivables has left at least XXXX voicemails that do not qualify as limited-content messages under the law. These messages contain detailed information indicating that the call relates to the collection of a debt and disclose the identity of the debt collector both of which are expressly prohibited in voicemail messages unless the consumer is the only person who can access them. 

Most recently, on XX/XX/year>, I received an auto-generated voicemail that clearly discloses the purpose of the call and identifies both the debt collector and the creditor. The full transcript of that voicemail is as follows : " This is Balanced Healthcare Receivables LLC calling with a message. This is an attempt to collect a debt and this is a call from a debt collector for a discount on your [ XXXX name redacted ] XXXXXXXX XXXX XXXXt. Please call us at XXXX or visit our website at XXXX for more information. Thank you. '' This message goes far beyond the bounds of a limited-content message and explicitly references the debt, the debt collector, and the creditor. Additionally, because voicemail transcripts are automatically generated and visible on many smartphones, this message was viewable by someone else, constituting unauthorized third-party disclosure under 15 U.S.C. 1692c ( b ). 

Response from XXXX : When I contacted Balanced Healthcare Receivables to raise this issue, they dismissed my concerns outright. I was told they had no copy of the voicemail, yet they claimed it didnt say what I know it said. They offered no resolution, review, or acknowledgement of wrongdoing. 

Requested Action : I am requesting that the CFPB take appropriate enforcement action against Balanced Healthcare Receivables LLC for : Violating Regulation F by leaving voicemail messages that are not limited-content messages Violating 15 U.S.C. 1692c ( b ) by disclosing information about the debt to third parties XXXX Failing to appropriately investigate or address a consumer complaint I would also like confirmation that the company will be instructed to cease leaving noncompliant voicemail messages, and that appropriate penalties or corrective action will be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
The account about XXXX XXXX was never mines nd it belonged to my significant other. It was returned by her when she filed bankruptcy nd I end up paying extra for the car and its still on my name

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MA

Complaint narrative:
I was ripped off by an agent who collected my information and later use it for a loan I have no idea about. And I would like this to be fixed as it ruining my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding and Resurgent Capital XXXX has place inaccuracy on my credit report. These business doesn't know if their a factoring company or a debt buyer company. I also mail them a Cease and Desist Letter which this company has been talk with other agency about this account, 15 USC 1681s-2 ( a ) ( 1 ) ( B ) : Duty to furnish accurate information Under UCC 8-102 ( a ) ( 15 ), a security is defined as a financial asset that XXXX be transferred and held by a clearing corporation. If this alleged debt has been securitized, transferred, or sold into a trust, then LVNV Funding, LLC is not the rightful owner and therefore lacks standing to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
I am writing to formally dispute the validity of a collection account currently being reported by your agency, Collection Bureau of Fort Walton Beach, on my credit report. Upon reviewing my credit report in preparation for purchasing a home, I was surprised to find this collection account. In XX/XX/XXXX, the Biden administration, in conjunction with the XXXX major credit reporting agencies, enacted new policies regarding medical debt reporting. Under these changes, no medical collection under {$500.00} may be reported, and for debts exceeding this threshold, a minimum of XXXX year must pass from the time of delinquency before they are eligible to appear on a consumer credit report. According to Collection Bureau of Fort Walton Beach own records, the collections in question were reported within the same month that Collection Bureau of Fort Walton Beach first attempted to contact mean action that directly violates the prescribed waiting period. Furthermore, as of XX/XX/XXXX, the Consumer Financial Protection Bureau finalized changes to Regulation V. These updates explicitly prohibit consumer reporting agencies from including medical debt information on credit reports or factoring it into credit scores provided to lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXXXXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$3600.00} XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * XXX - XX/XX/XXXX - {$3800.00} XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$5100.00} XXXX XXXX XXXX XXXX * * * * XXXX - XX/XX/XXXX - {$3800.00} XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$1800.00} XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$240.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
What benefit do I have since I'm XXXX  XXXX? My income is {$940.00} plus my wife 's income is {$2200.00} a month? 

When Hurricane Hellene hit on XX/XX/year>, I asked the bank to enroll in a Fourbance program, and I'm still continuing. I called HUD and FHA to find out what benefits I could receive since I'm XXXX and only receive {$940.00} plus my wife 's income of {$2200.00} a month, and we can't keep paying due to inflation. Electricity bills have increased, insurance has increased, and taxes have increased, including the basic needs. The Fourbance program is almost over, and I asked someone in the Resolution department what options they had for me, letting them know that refinancing or selling the house isn't a good option. They didn't answer my question. My XXXX isn't great, and I asked to speak to an agent in XXXX because the interpreter never provides 100 % of the translation, and he refused. I want them to speak clearly without hesitating about what would be best for me and my wife.

Company response to consumer: Closed with explanation