vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, I recently received a copy of my consumer report, and I noticed some late payments posted on my report that are inaccurate this is not my first time trying to fix this with your company and yet you all are still reporting this inaccurate information on my consumer reportwith recent news of your company not properly investigating like you are required by law Im hurt to hear that so I come to you all again to make things right and properly and accurately reinvestigate and update to PAID AS AGREED NEVER LATE. 

I HAVE NEVER BEEN LATE ON THESE ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please REMOVE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. update to PAID AS AGREED NEVER LATE.Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN G
ENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Please update to PAID AS AGREED NEVER LATE on the above late payments from my consumer report, your company clearly is in violation of 15 USC 1681 Failure to respond satisfactorly with PAID AS AGREED NEVER LATE of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company like I said this isnt the first time trying fix this problem with your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity 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 explanation
Consumer complaint received 2025-03-11 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: IA

Complaint narrative:
I am filing complaint against equifax for failing to properly investigate my disputes. Regarding inaccuracies in my credit report. Despite my submissions equifax 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, Equifaxs actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: MO

Complaint narrative:
I had a XXXX  stay between XX/XX/XXXX and XX/XX/XXXX. I received my first bill for {$2200.00} on XX/XX/XXXX. On XX/XX/XXXX I received additional statements stating that the bills I received the day before were past due. Between XX/XX/XXXX and XX/XX/XXXX I received numerous additional bills dictating how the amount insurance was billed and how much I owed. On XX/XX/XXXX I received a final statement after the full amount was billed to insurance stating that I, the patient, owed {$0.00}. On XX/XX/XXXX I received a letter from an agency explaining that the XXXX  sent the previous bill of {$2200.00} to collections. Aside from receiving a receipt showing that I had {$0.00} responsibility & insurance was billed for the entire amount, I believe this bill was sent to collections too soon. Unless I've misinterpreted collections laws, hospitals can't send bills to collections until XXXX  days after the statement date of the first bill, which was XXXX less than XXXX  days from when I received a collections notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash and Curtis, a debt collecting company, provided an invoice from the creditor XXXX XXXX XXXX ; total invoice is {$340.00} plus other fees ( interest for unpaid said invoice ) that were handwritten. I have never interacted with nor made any transactions with XXXX XXXX XXXX  This transaction and phone number provided was unknown to me and yet my name and address were present. No other personal identifiable or payment used information or debt verification letter was ever provided to me by Rash and Curtis. Rash and Curtis also threatened to report this unpaid debt to the credit bureau unless I paid what I supposedly owed.

I called Rash and Curtis at ( XXXX ) XXXX on XX/XX/year> and talked to XXXX. He mentioned that the case was escalated and they requested XXXX XXXX XXXX  to verify the debtor 's name, address, payment, and other personal identifiable information. However, it is clear the debt collecting company never received a confirmation from XXXX XXXX XXXX as Rash and Curtis keep following up with me despite numerous complaints that they are trying to collect debt from the wrong person.

As Rash and Curtis has not confirmed the identify of the actual person who owes 3 XXXX XXXX the {$340.00} plus other fees and no debt verification letter was ever provided to me, there is no reason for Rash and Curtis to keep following up. It should be on the responsibility of the creditor 3 XXXX XXXX to provide due diligence and I am a victim as a result of the neglect.

Until Rash and Curtis can provide me with a debt verification letter, I do not wish to continue communication with Rash and Curtis. Rash and Curtis has provided significant unnecessary stress to me and I am hoping these unnecessary interactions stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: KY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Card Account Name : XXXX XXXX XXXX Account Number : # XXXX Amount in Dispute : XXXX To Whom It May Concern, I am writing to formally dispute the collection account listed on my credit report under the account number # XXXX, which reflects a balance XXXX. According to FCRA ( 15. U.S.C 1692C ) its illegal to report anything on my credit report without my permission. Please remove this negative item from my report with 30 days. 
Thank you for your attention to this urgent matter. I look forward to your response within the XXXX period allowed by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 XXXXXX/XX/year> These 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 2025-03-11 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: AL

Complaint narrative:
Request for Deletion of Inaccurate and Inconsistent Credit Information Dear CFPB Representative, I am writing to file a formal complaint regarding the inaccurate, inconsistent, and outdated information reported on my Experian and XXXX credit files. Despite submitting disputes directly to these credit bureaus, the errors have not been corrected. These inaccuracies are adversely affecting my creditworthiness, and I request that the CFPB intervene to ensure that all erroneous data is permanently deleted. 

Areas of Concern : 1. Personal Information and Address Discrepancies : My Experian report ( dated XX/XX/year> ) lists my current address as XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, while my XXXX report ( dated XX/XX/year> ) shows a different current address ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
Multiple other addresses are present that no longer apply. This multiplicity of addresses and variations in my name ( e.g., XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) create confusion and should be corrected. 
2. Employment Information Inaccuracies : Both reports include employment entries ( such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) that are outdated or no longer applicable to my current work status. Such inaccuracies distort my file and misrepresent my credit profile.

3. Inconsistent Account Status Reporting : For example, the XXXX XXXX XXXX account is reported as Closed Charge-Off with a balance of {$1000.00} on the Experian report, whereas the XXXX report similarly notes a charge-off but with conflicting summary information. 
Additionally, duplicate or split entries ( as observed with XXXX XXXX ) may be present, further skewing the accuracy of my credit history.

4. Summary Versus Detailed Data Discrepancies : The summary information ( such as the number of closed accounts or collections ) does not align with the detailed account listings, suggesting that the overall file does not accurately reflect my true credit history. 

I have enclosed copies of my credit reports from both Experian and 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 2025-03-11 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: MI

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Reference # : XXXX DateFiled : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-11 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-11 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MI

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 such 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 's inaction 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 2025-03-11 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Subject : XXXX  Request for Removal of Negative Reporting Dear EXETER FINANCE LLC I hope you are doing well. I am writing to request a goodwill adjustment on my credit report regarding account XXXX which reflects [ late payments/charge-off/collection ]. 

Due to hardship, job loss, medical issues, financial struggles, I was unable to meet my financial obligations at the time. However, since then, I have worked hard to rebuild my credit and maintain timely payments. 

Thank you for your time and consideration. Please let me know if any additional information is needed. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.

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 2025-03-11 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:
By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.

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 2025-03-11 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: MO

Complaint narrative:
It has come to my attention that my personal information has been exposed in the Equifax data breach. Upon reviewing my credit reports I notice many accounts and inquiries that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of proof that my information was impacted during the Equifax data breach, and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief