vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: MD

Complaint narrative:
At XXXX on XXXX XX/XX/XXXX, an email was sent to me from " Williams Rush and Associates. '' The email stated : " This account has been listed with our office for collection. 
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 
Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor. 
Sincerely, XXXX XXXX Collections XXXX XXXX '' On the same day, XXXX XX/XX/XXXX, a new collection account had been reported to Experian. The initial communication failed to provide an address for Williams Rush and XXXX for written correspondence to be sent via mail. I am disputing the validity of this debt. 
According to the CFPB XX/XX/XXXX Debt Collection Rule, " the debt collector may not furnish information to a CRA until it either 1 ) speaks with the consumer in person, 2 ) speaks with the consumer by telephone, 3 ) mails a letter and waits another reasonable waiting period, or 4 ) sends another electronic communication and waits another reasonable waiting period ... '' I was not given the reasonable waiting period that I'm legally entitled to as Williams Rush and Associates immediately reported the debt to a CRA. I received notification of the reported debt at XXXX XXXX XX/XX/XXXX and my credit report states the collection account was reported XXXX XX/XX/XXXX. Williams Rush and Associates did not abide by consumer protection laws and did not abide by the statement they sent directly to me via email.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted formal written requests to Experian, TransUnion, and Equifax to investigate and validate multiple negative items reported on my credit file. This marked the third time I have initiated such a request, and to date, I have received no valid response or supporting documentation from any of the three credit reporting agencies. 

In my requests, I cited the following federal laws to support my right to accurate information and due process : 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which requires credit reporting agencies to provide a consumer with a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address of the furnisher of the information. 

15 U.S. Code 1692d which prohibits conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 

15 U.S. Code 1601 which outlines the Congressional findings and declaration of purpose behind the Truth in Lending Act, aiming to ensure the informed use of credit by consumers. 

15 U.S. Code 1635 which provides for the right of rescission in certain credit transactions. 

Despite clearly outlining the relevant statutes and submitting proper documentation, none of the agencies have fulfilled their obligation to verify or correct the disputed information. The lack of action has resulted in over {$76000.00} in unresolved and potentially inaccurate debt being reported under my name, which is severely impacting my creditworthiness, financial stability, and mental well-being.

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 2025-04-20 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: MD

Complaint narrative:
Subject : Dispute of Incorrectly Reported Late Payment Violation of 15 USC 1666b To Whom It May Concern, I am filing a complaint concerning an inaccurately reported late payment on my credit report. This reporting appears to violate the Truth in Lending Act, specifically 15 USC 1666b, which requires that a creditor allow a reasonable grace period ( at least 21 days ) before treating a payment as late. 

The account in question is : Creditor Name : XXXX XXXX  Account Number ( last XXXX digits ) : XXXX Date of Reported Late Payment : XX/XX/year>, XX/XX/year>, XX/XX/year> Credit Bureau Reporting the Late Payment : Experian / Equifax / TransUnion I made my payment on time based on the billing statement and within the grace period. However, the creditor reported the payment as late and submitted it to the credit bureaus. I requested a correction directly from the creditor and the credit bureau, but the issue remains unresolved. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this violation and require the creditor and/or credit bureau to delete it from my credit report in compliance with the law. 


This inaccurate reporting is negatively impacting my credit profile, and I am exercising my right to dispute this under federal law. Please address this matter promptly.

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 2025-04-20 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: MD

Complaint narrative:
Subject : Dispute of Incorrectly Reported Late Payment Violation of 15 USC 1666b To Whom It May Concern, I am filing a complaint concerning an inaccurately reported late payment on my credit report. This reporting appears to violate the Truth in Lending Act, specifically 15 USC 1666b, which requires that a creditor allow a reasonable grace period ( at least 21 days ) before treating a payment as late. 

The account in question is : Creditor Name : XXXX XXXX  Account Number ( last XXXX digits ) : XXXX Date of Reported Late Payment : XX/XX/year>, XX/XX/year>, XX/XX/year> Credit Bureau Reporting the Late Payment : Experian / Equifax / TransUnion I made my payment on time based on the billing statement and within the grace period. However, the creditor reported the payment as late and submitted it to the credit bureaus. I requested a correction directly from the creditor and the credit bureau, but the issue remains unresolved. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this violation and require the creditor and/or credit bureau to delete it from my credit report in compliance with the law. 


This inaccurate reporting is negatively impacting my credit profile, and I am exercising my right to dispute this under federal law. Please address this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: AR

Complaint narrative:
On XXXX I sent Experian an idenity theft affidavit with several accounts that i didn't recall opening that included XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX. Instead in conducting a reasonable investigation, Experian sent response via email to XXXX that stated no action would be taken on their behalf due to the dispute appearing not to have been sent my myself. I find this as negligence on Experian 's behalf for assuming information that is false, an additon not having any FCRA regulations to support their claim nor proof that the dispute did not come from me. I am knowledgeable and familiar with Consumer reporting agencies and the Federal regulations that govern them.

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 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am not liable for this alleged debt. a statement by the consumer that the information is not information relating to any transaction by the consumer i do not consent. i did not give authority. I have no idea what your talking about. I have no idea what your a stating. We never signed a contract with none of these company 's. this is a form of deception and a violation against the fair business practice act and its and its deceptive and unfair. It is also a misrepresentation. Can they validate the debt? Keep in mind that a statement is insufficient to prove a debt according to XXXX XXXX XXXX v. against XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes to correct the personal information section of my credit report, specifically to remove outdated and inaccurate addresses. TransUnion, Experian, and Equifax continue to report incorrect, outdated, and misformatted addresses and duplicate entries of the same address in slightly varied formats. This is a clear violation of FCRA XXXX ( b ) ( requirement to maintain accuracy ) and XXXX ( a ) ( failure to investigate disputes ). 

Despite calling and submitting proof of my current address, the agencies failed to correct it. I am requesting the removal of all incorrect addresses and the retention of only the valid one listed above. 

I am already involved in active litigation concerning FCRA violations and request immediate correction and escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit reporting agency is not providing accurate report nor accurate credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AL

Complaint narrative:
XX/XX/year> The amount was {$840.00} Social Security did investigation and said that chime did get it but it was never posted to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
XXXX I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below XXXX I looked at my account on XXXX XXXX XXXXXXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX  XXXX date last active not reporting correct shows date of being opened as XX/XX/XXXX Shows high credit of XXXX and last report date of XX/XX/XXXX date for last activity for XXXX Experian also shows last report date of XX/XX/XXXX date opened is XX/XX/XXXX and the incorrect account number as well shows account number XXXX and last date of activity XX/XX/XXXXXXXX XXXX shows last date of activity XXXXand last payment XX/XX/XXXX last reported XX/XX/XXXX .I am asking you to reinvestigate this account XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Account I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted formal written requests to Experian, TransUnion, and Equifax to investigate and validate multiple negative items reported on my credit file. This marked the third time I have initiated such a request, and to date, I have received no valid response or supporting documentation from any of the three credit reporting agencies. 

In my requests, I cited the following federal laws to support my right to accurate information and due process : 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which requires credit reporting agencies to provide a consumer with a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address of the furnisher of the information. 

15 U.S. Code 1692d which prohibits conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 

15 U.S. Code 1601 which outlines the Congressional findings and declaration of purpose behind the Truth in Lending Act, aiming to ensure the informed use of credit by consumers. 

15 U.S. Code 1635 which provides for the right of rescission in certain credit transactions. 

Despite clearly outlining the relevant statutes and submitting proper documentation, none of the agencies have fulfilled their obligation to verify or correct the disputed information. The lack of action has resulted in over {$76000.00} in unresolved and potentially inaccurate debt being reported under my name, which is severely impacting my creditworthiness, financial stability, and mental well-being.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted formal written requests to Experian, TransUnion, and Equifax to investigate and validate multiple negative items reported on my credit file. This marked the third time I have initiated such a request, and to date, I have received no valid response or supporting documentation from any of the three credit reporting agencies. 

In my requests, I cited the following federal laws to support my right to accurate information and due process : 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which requires credit reporting agencies to provide a consumer with a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address of the furnisher of the information. 

15 U.S. Code 1692d which prohibits conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 

15 U.S. Code 1601 which outlines the Congressional findings and declaration of purpose behind the Truth in Lending Act, aiming to ensure the informed use of credit by consumers. 

15 U.S. Code 1635 which provides for the right of rescission in certain credit transactions. 

Despite clearly outlining the relevant statutes and submitting proper documentation, none of the agencies have fulfilled their obligation to verify or correct the disputed information. The lack of action has resulted in over {$76000.00} in unresolved and potentially inaccurate debt being reported under my name, which is severely impacting my creditworthiness, financial stability, and mental well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX : account 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 2025-04-20 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX : account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: VA

Complaint narrative:
I co-signed student loans for my XXXX XXXX twin sons. They are currently FULL-TIME college students. Unfortunately, XXXX XXXX XXXX, the loan servicer, began reporting FALSELY to credit bureaus since XX/XX/year> that I was LATE in payments of the loan. The agreement clearly states that the loan payment begins after the children leave school. XXXX are in their sophomore year in fulltime school. 

This false reporting has taken a drastic tool of more that XXXX points on my credit. While XXXX XXXX XXXX has agreed that this was a mistake, they have REFUSED to inform the credit bureaus of their mistake.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: VA

Complaint narrative:
I co-signed student loans for my XXXX XXXX XXXX  sons. They are currently XXXXXXXX XXXX XXXX  Unfortunately, ED Financial Services, the loan servicer, began reporting FALSELY to credit bureaus since XX/XX/2024 that I was LATE in payments of the loan. The agreement clearly states that the loan payment begins after the children leave school. Thy are in their XXXX  year in XXXX XXXX 

This false reporting has taken a drastic tool of more that XXXX points on my credit. While ED Financial Services has agreed that this was a mistake, they have REFUSED to inform the credit bureaus of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NY

Complaint narrative:
* * To the Consumer Financial Protection Bureau, *, I am writing to dispute inaccurate information being reported by all three major credit bureausXXXX, Experian, and XXXX my credit reports. 

I have noticed several discrepancies that are negatively affecting my credit For example, an account with [ XXXX ] is showing as delinquent, but this account was paid in full on [ 2023 ]. I have documentation proving that the account was settled and closed properly. 
XXXX. * * [ Another Error ] * * There is a collection account listed for the amount of $ XXXX XXXX XXXX, From XXXX XXXX which is incorrect XXXX. * * [ Optional Additional Error ] * * A late payment was reported on for my account with [ XXXX ], even though I made the payment on time and have confirmation of the transaction.ALSO XXXX XXXX AND XXXX ARE REPORTING WRONG INFORMATION I have contacted the credit bureaus directly to dispute these items and provided them with all supporting documentation. However, these errors remain unresolved. I am now requesting that the CFPB investigate this matter and assist in having the inaccurate information corrected or removed. 

These errors are affecting my financial well-being, including my ability to qualify for credit and secure fair interest rates. I would greatly appreciate any help you can provide to ensure that the credit bureaus accurately reflect my credit history. 

Thank you for your time and attention to this matter. 

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