vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my Experian and my Transunion credit report, and I noticed some late payments on my credit report : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( XXXX ) In accordance with the written instructions of theconsumerto whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it 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 ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, 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. 

I am giving your company 10 days to respond to this matter. 

XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, 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 2025-05-22 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-22 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX Experian

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 2025-05-22 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: PR

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, unverifiable, and misleading entries on my TransUnion credit report. Despite previous disputes, TransUnion has failed to conduct proper investigations or correct the following issues : Missing hard inquiries : There are no hard inquiries reported, even though I applied for several credit products since XX/XX/year>. This raises concerns of suppression or failure to report. 

Incorrect late payments : Accounts such as XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX continue to report derogatory marks or late payments without creditor validation. 

XXXX Department XXXX XXXX XXXX XXXX TransUnion lists XXXX accounts with identical data, opening dates, and balances. These entries inflate my total debt and lower my credit score unfairly. 

Unrealistic credit utilization : TransUnion reports my usage as XXXX XXXX which is mathematically inaccurate based on the reported limits and balances. 

XXXX account in forbearance : This account is incorrectly affecting my credit score, despite being under forbearance and therefore protected from negative scoring impact under the CARES Act and FCRA. 

I submitted a formal dispute and provided documentation requesting correction of all erroneous items. I received no satisfactory resolution. I now request CFPB assistance to enforce my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-22 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:
This letter is to demand the immediate deletion of an account that was opened using my identity without my knowledge or consent. This was an unauthorized and fraudulent use of my personal information, and I will not be held responsible for an account I did not open. 

Let me be absolutely clear : I did not apply for, authorize, or in any way participate in the creation of this account. It does not belong to me, and I will not tolerate it being reported under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: Kikoff Inc.
State: NC

Complaint narrative:
Kikoff is falsely reporting XXXX missed payments on an account that is closed. Ive disputed this multiple times. Instead of deleting the account, Kikoff changed the data twice, confirming they know it was inaccurate. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( b ). I am not requesting another investigation. I demand the account be deleted immediately. Their failure to correct this is causing ongoing credit damage and emotional distress. You can clearly see on XXXX credit monitoring site they had XXXX and XXXX. Then the other credit monitoring site they had XXXX and XXXX this is false information that they placed on my credit that has been hurting me and stopping me from getting financial help. Please remove this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I checked my credit report and found that XXXX XXXX XXXX XXXX XXXX was reporting a collection account in my name. After requesting debt verification from XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX, the documents they provided failed to meet legal standards outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Specifically, they did not provide : Proof that I am legally responsible for this debt. 

The name and contact details of the original creditor. 

A detailed breakdown of the total amount owed, including interest, fees, and payments. 

Copies of any signed agreements or contracts establishing my obligation to repay the debt. 

Despite the lack of proper verification, XXXX XXXX XXXX XXXX XXXX has continued collection efforts and reported this debt to credit bureaus, which has resulted in financial hardship. The improper reporting of unverifiable debt is a clear violation of the FCRA, which prohibits inaccurate or unverifiable debt reporting. 

I am requesting an immediate investigation into XXXX XXXX XXXX XXXX XXXX for potential violations of federal consumer protection laws. Specifically, I request : Investigation into XXXX XXXX XXXX XXXX XXXX for noncompliance with legal debt verification requirements. 

Immediate removal of this unverified debt from credit reporting agencies. 

Cease and desist orders to prevent further collection actions on this unverified debt. 

Any applicable fines or penalties against XXXX XXXX XXXX XXXX XXXXXXXX  for violating federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: ID

Complaint narrative:
I received a call related to a debt. When they first called, I explicitly asked to be placed on their do-not-call list, but the representative kept asking me to identify myself. After identifying, they did not provide required disclosures under the FDCPA and continued attempting to collect despite the DNC request and failure to provide a disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Last year, I had a shortage on my mortgage escrow due to to an increase in my taxes. I divided up the payments to be paid over 24 months. The original shortage was approximately {$2800.00} which came to be approximately {$110.00} per month to go directly to the shortage. Since XX/XX/year>, I have paid approximately {$1000.00} towards that shortage, but they are only granting me credit for roughly {$400.00}. I requested to have this looked into, but instead they ran an escrow analysis again which highered my payment again. I am missing {$600.00} of that money and nobody has a clue as to where it has gone. I spoke with several customer service reps, including managers, and escalation team members... not a clue as to what's going on. I am now waiting for XXXX days now to receive a call from a " higher up '' to get this fixed. Mr. Cooper has done nothing but create an impossible situation for me and my family and it's getting me very close to pursuing legal action. I am seeking the remedy of a detailed letter as to where my remaining XXXX is and why hasn't it been applied to the shortfall... as well as reinstatement of the original escrow analysis which will put my mortgage back to its original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paycheck Solutions llc
State: TX

Complaint narrative:
I took out a loan to cover another loan that I was trying to pay off when I got XXXX. I didn't notice at the time that the interest was over XXXX XXXX interest which is illegal in texas. I did pay off the XXXX I borrowed but they say I owe XXXX in XXXX fees, which again is not legal and this is killing me financially. They refuse to answer any of my communication at all and I get called names and hung up on or threatened with being sued or garnished wages when I try to get help from customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Self Financial Inc.
State: LA

Complaint narrative:
Dispute of Unverified Late Payment SELFINC/LEAD Reporting to XXXX I am  submitting this dispute regarding a late payment reported by SELFINC/LEAD on my XXXX  credit report, associated with account number * * XXXX. This derogatory entry is inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ). 

Upon inquiry, SELFINC/LEAD has been unable to furnish any valid documentation or contractual evidence verifying the legitimacy of the alleged delinquency. They have not provided a signed agreement, original billing statements, or any supporting records that substantiate the reporting. 

Accordingly, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), Equifax is obligated to delete any information that can not be verified through a reasonable reinvestigation.

Relevant case law affirms this responsibility : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : A credit bureau must conduct an independent investigation and can not solely rely on the data furnisher 's word when there is a credible dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Reporting unverifiable information after a dispute may constitute a willful violation of the FCRA. 


Given SELFINC/LEADs failure to verify the account, I am requesting that this inaccurate and unverifiable late payment entry be deleted from my XXXX  credit report immediately, as required by federal law. I also request that the Consumer Financial Protection Bureau ( CFPB ) ensure that both XXXX  and SELFINC/LEAD comply with the FCRA. 

Thank you for your assistance and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A complaint was filed on Citibank Dillard 's credit card with XXXX XXXX XXXX on XX/XX/year>. I received a response from Citibank where a letter had been quickly thrown together just to shut me up with the wrong information. It look like who ever took the complaint at Citibank didn't even read the complaint I submitted to XXXX XXXX XXXX. The letter stated something to effect about an old complaint I had filed about overstock where I had the same issue with logging into my account. I have had a issues with all of my accounts trying to set up account and create a password to pay my bills. Its a problem with there network and IT department. I think its being doing deliberately to frustrate the person and then they will accrue late charges. Citibank requires a top secret password in order to get into accounts. Who ever at Citibank that took the complaint just circumvented the real issue that I am experiencing and said I can just call a number and pay a fee to pay my bill. I shouldn't have to pay a fee to pay my bill when I'm supposed to be able to pay it online. I keep setting a password and it will accept the password and then when I try and re-log in again it wont allow me to log in. It constantly says wrong password. Instead of them getting there IT department involved they brushed it off. I told them I had a XXXX and dint understand there password system so nobody tried to help it was just brushed off. I called the number on the letter they emailed me and it was answered by people in a foreign country who barley spoke XXXX and didn't understand or knew what I was talking about. I was transferred to multiple individuals who sound like they were talking through a tunnel. Citibank needs to put me in touch with there IT team to resolve this problem. The problem is with them not with me.

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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America charged me XXXX XXXX times. I only authorized XXXX charge. They will not refund my money and I am at a loss for how to proceed. They want to hold my funds for at least XXXX  days, for XXXX interest, which is quite literally theft.

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 2025-05-22 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: ND

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 explanation