vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following accounts listed on my credit report, as they contain inaccurate, incomplete, and misleading information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. The accounts listed below violate this provision, and I request their immediate removal from my credit report. 

Disputed Accounts XXXXXXXX XXXX XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Issues : The open date is not reporting correctly. 

The date last active is inaccurate. 

The date of last payment is incorrect. 

This account is not being reported accurately, and the information is incomplete. 

XXXX XXXX Account Number : XXXX Opened Date : XX/XX/XXXX Issues : The open date is not reporting correctly. 

The date last active is inaccurate. 

The date of last payment is incorrect. 

This account is not being reported accurately, and the information is incomplete. 

XXXX XXXXXXXX Account Number : XXXX Opened Date : XX/XX/XXXX Issues : The open date is not reporting correctly. 

The date last active is inaccurate. 

The date of last payment is incorrect. 

This account is not being reported accurately, and the information is incomplete. 

Legal Basis for Dispute Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) Consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The accounts listed above are not being reported accurately, and the incomplete information violates this provision.

FCRA - 15 U.S.C. 1681c This section outlines the requirements for the reporting of obsolete information. If any of the disputed accounts contain outdated or incorrect information, they must be removed.

FCRA - 15 U.S.C. 1681i Under this section, I have the right to dispute inaccurate or incomplete information in my credit report. Once a dispute is filed, the consumer reporting agency must conduct a reasonable investigation and correct or delete any inaccurate, incomplete, or unverifiable information within 30 days. 

Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces federal consumer financial laws, including the FCRA. I am filing this complaint to ensure that my rights under these laws are upheld and that the disputed accounts are removed from 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 2025-01-31 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following accounts listed on my credit report, as they contain inaccurate, incomplete, and misleading information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. The accounts listed below violate this provision, and I request their immediate removal from my credit report. 

Disputed Accounts XXXXXXXX XXXX XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Issues : The open date is not reporting correctly. 

The date last active is inaccurate. 

The date of last payment is incorrect. 

This account is not being reported accurately, and the information is incomplete. 

XXXX XXXX Account Number : XXXX Opened Date : XX/XX/XXXX Issues : The open date is not reporting correctly. 

The date last active is inaccurate. 

The date of last payment is incorrect. 

This account is not being reported accurately, and the information is incomplete. 

XXXX XXXXXXXX Account Number : XXXX Opened Date : XX/XX/XXXX Issues : The open date is not reporting correctly. 

The date last active is inaccurate. 

The date of last payment is incorrect. 

This account is not being reported accurately, and the information is incomplete. 

Legal Basis for Dispute Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) Consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The accounts listed above are not being reported accurately, and the incomplete information violates this provision.

FCRA - 15 U.S.C. 1681c This section outlines the requirements for the reporting of obsolete information. If any of the disputed accounts contain outdated or incorrect information, they must be removed.

FCRA - 15 U.S.C. 1681i Under this section, I have the right to dispute inaccurate or incomplete information in my credit report. Once a dispute is filed, the consumer reporting agency must conduct a reasonable investigation and correct or delete any inaccurate, incomplete, or unverifiable information within 30 days. 

Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces federal consumer financial laws, including the FCRA. I am filing this complaint to ensure that my rights under these laws are upheld and that the disputed accounts are removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
I have two issues with Carrington Mortgage the first is, they are not reporting my payments to any credit bureau, and second they overcharged me and didnt help me with a good mortification, my payments went up {$600.00} after my mortification, they charged me XXXX for mortification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-31 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: GA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank 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 2025-01-31 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: FL

Complaint narrative:
I am not reliable for any transactions made by the accounts listed below nor have I ever done business with these companies. These were due to identity fraud/theft and legally must be removed per 15USSC 1681B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I am not reliable for any transactions made by the accounts listed below nor have I ever done business with these companies. These were due to identity fraud/theft and legally must be removed per 15USSC 1681B.

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 2025-01-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MI. XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Entry Dear Sir/Madam , I am writing to formally dispute the following information on my credit report. I have enclosed a copy of my credit report with the disputed items circled for your reference. 
Items in Dispute : Creditor Name XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) hard inquires XXXX of them that I did not authorize Account Number : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX Reason for Dispute : Late Payments, collections, inquires, personal information is wrong. 
The information listed is inaccurate because [ detailed explanation of why the information is incorrect, including any supporting evidence ]. I am requesting that the item be investigated and corrected as soon as possible. 
Enclosed are copies of relevant documents supporting my position, such as payment records, bank statements, or correspondence with the creditor. 
Please conduct a thorough investigation of this matter and promptly delete or correct the disputed item. I appreciate your immediate attention to this matter and request a copy of my updated credit report once the investigation is complete. 
Thank you for your assistance in rectifying this error. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MI. XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Entry Dear Sir/Madam , I am writing to formally dispute the following information on my credit report. I have enclosed a copy of my credit report with the disputed items circled for your reference. 
Items in Dispute : Creditor Name XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) hard inquires XXXX of them that I did not authorize Account Number : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX Reason for Dispute : Late Payments, collections, inquires, personal information is wrong. 
The information listed is inaccurate because [ detailed explanation of why the information is incorrect, including any supporting evidence ]. I am requesting that the item be investigated and corrected as soon as possible. 
Enclosed are copies of relevant documents supporting my position, such as payment records, bank statements, or correspondence with the creditor. 
Please conduct a thorough investigation of this matter and promptly delete or correct the disputed item. I appreciate your immediate attention to this matter and request a copy of my updated credit report once the investigation is complete. 
Thank you for your assistance in rectifying this error. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-31 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: MD

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 2025-01-31 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: FL

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute on Experian results came back on XX/XX/XXXX stating The incorrect account with XXXX XXXXthat starts with XXXX has not been changed and will remain on your credit report. They're stating the account is " incorrect '' but has not been changed and will remain on your report. Why is that? If it's incorrect, delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I submitted a dispute on Experian results came back on XX/XX/XXXX stating The incorrect account with XXXX XXXXthat starts with XXXX has not been changed and will remain on your credit report. They're stating the account is " incorrect '' but has not been changed and will remain on your report. Why is that? If it's incorrect, delete it.

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 2025-01-31 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX Hot XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Dispute of Collection Account Violation Dear Consumer Financial Protection Bureau, I am writing to formally dispute a collection account reported by XXXX XXXX that I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. This account has been inaccurately reported in relation to my credit file, and I am seeking your assistance in addressing this matter. 

The account in question is associated with my name, [ Your Full Name ], and I have not received adequate notice regarding this debt, nor have I been provided with sufficient validation of the claimed amount. I request that XXXX XXXX provide documentation that substantiates their claim, including any agreements or contracts that establish my responsibility for this debt. 

Under the FCRA, it is my right to dispute any information that I believe to be inaccurate. I have reached out to XXXX XXXX directly, but I am concerned that they may not comply with the required investigation or validation procedures. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that my rights under the FCRA are upheld. If XXXX XXXX is unable to validate the debt or provide the necessary documentation, I ask that you assist in having the account removed from my credit report. 

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

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 2025-01-31 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:
Multiple attempts to resolve the fraudulent and inaccurate information on my consumer report have been unsuccessful, leaving me in an increasingly distressing situation. As a victim of identity theft, I never authorized these entries to be associated with my name, yet their continued presence has caused profound disruption to my life, generating significant stress and anxiety while undermining my financial stability.

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