vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: NV

Complaint narrative:
** [ Your Name ] ** [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] **Consumer Financial Protection Bureau ( CFPB ) ** XXXX XXXX XXXX Washington XXXX XXXX XXXX **Re : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX XXXX # XXXX ( XX/XX/year> ) ** To Whom It May Concern, I am writing to dispute an inaccuracy in the reporting of late payments for my XXXX XXXX XXXX  account XXXX # XXXX ), specifically for the month of XX/XX/year>. According to the credit reports I have received from TransUnion, Experian, and Equifax, this account has been marked as " late '' for the referenced month, which is factually incorrect. 

I was not late on my XX/XX/year> payment, and I have previously requested documentation from the consumer reporting agencies proving that I was indeed late. However, to date, none of the agencies have provided such documentation to substantiate this claim. This failure to provide proper verification is in violation of the Fair Credit Reporting Act ( FCRA ), and it has resulted in inaccurate information being reported on my credit report. 

I demand that you update these late payments to " OK '' for XX/XX/year> and reverse the reported late payments immediately. 

If you fail to provide proper verification or to correct these inaccuracies, I will be forced to take legal action to protect my rights under the FCRA. 

Please take the following actions : 1. **Investigate and correct the inaccurate reporting** of the late payments for XX/XX/year> on my XXXX XXXX Bank account. 
2. **Update the payment status to " OK '' ** for the month of XX/XX/year>, reflecting that I was not late. 
3. **Provide a written response** confirming that the corrections have been made and include any supporting documentation regarding the investigation. 

Failure to resolve this matter promptly will leave me with no choice but to pursue further legal remedies. I expect this issue to be corrected without delay, as it is negatively impacting my credit score and financial well-being. 

Thank you for your immediate attention to this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NY

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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I took out private student loans from XXXX XXXX between XXXX while attending XXXXXXXX XXXX XXXX. These loans were later transferred to Navient. I believe the loans were issued under predatory and misleading terms, including high-interest rates without a proper credit evaluation or co-signer requirements, which XXXX XXXX and Navient have been sued for.

Additionally, I was given misleading information about repayment options and was placed into forbearance or deferment unnecessarily, which increased my loan balance. I believe payments may have been misapplied, and I was not fully informed of options that could have prevented financial hardship.

I recently contacted Navient regarding the 2022 loan discharge settlement and was told I do not qualify, despite having loans from the relevant period and circumstances. I am requesting that the CFPB investigate whether my loans should have been included in the settlement and that Navient provide full documentation and justification regarding the denial. 
I also request a full review of loan origination, servicing history, and settlement eligibility based on the patterns of misconduct outlined in legal actions against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

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 is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : DEPTEDXXXX Account # : 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 2025-03-21 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:
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 is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : DEPTEDXXXX Account # : 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 2025-03-21 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: CA

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 is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : DEPTEDXXXX Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
In accordance with with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account : XXXX XXXX XXXX XXXX with account # XXXX I looked at my Experian credit report XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prefers a consumer report it shall follow reasonable procedure to assure Maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 81 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any re-investigation on a paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified. The consumer reported agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the re-investigation and to properly notify the consumer of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s 2 they are supposed to not provide any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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 2025-03-21 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: NY

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX Terrace XXXX, New York XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate XXXX XXXX and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : XXXX removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NY

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 2025-03-21 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: CA

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX California XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Concerns Regarding Potential Violations of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several concerns regarding a list of financial institutions, regulatory agencies, and consumer protection resources that may be non-compliant with various consumer protection laws. The information I have encountered appears to violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act, the Truth in Lending Act ( TILA ), and possibly other regulations.

Specific Concerns : 1. Inaccurate or Outdated Information : The list includes institutions and agencies that may no longer be operational or that have outdated contact information.

This could mislead consumers seeking assistance and violate the FCRA, which requires accurate reporting of consumer information.

2. Lack of Clarity and Context : The structure of the information is confusing and lacks context. Consumers may struggle to navigate the list effectively, which could be seen as a failure to provide clear and understandable information as mandated by the Consumer Financial Protection Act.

3. Omission of Relevant Entities : Important financial institutions or regulatory bodies may be missing from the list, which could mislead consumers about their options for recourse or assistance.

4. Failure to Inform Consumers of Their Rights : The list does not appear to inform consumers of their rights under the FCRA and TILA, including the right to dispute inaccuracies in their credit reports. This omission could violate the requirements set forth in these laws.

Accessibility Issues : If the information is not available in accessible formats for individuals with disabilities, it may violate the Americans with Disabilities Act ( ADA ).

Privacy Violations : If any sensitive information about individuals or organizations is included without consent, this could violate privacy laws.

Relevant Laws Potentially Violated : Fair Credit Reporting Act ( FCRA ) : Mandates accuracy in credit reporting and the right of consumers to dispute inaccuracies.

Consumer Financial Protection Act : Requires clear communication of consumer rights and protections.

Truth in Lending Act ( TILA ) : Requires clear disclosure of credit terms and consumer rights.

Americans with Disabilities Act ( ADA ) : Ensures accessibility of information for individuals with disabilities.

Federal Trade Commission ( FTC ) Regulations : Protects against deceptive practices and mandates clear communication.

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 2025-03-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance sirve then faro credit reporting act, the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section s : no consumer reporting agenty 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 US C 1681s-2 ( AXa ) A person shall not furnish afformation relating to a consumer to any consumer Reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-21 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: CA

Complaint narrative:
To who this may concern, I am attaching a FTC report containing 5 fraudulent accounts to be blocked and removed. 
I have also listed fraudulent addresses as well as fraudulent inquiries to be removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To who this may concern, I am attaching a FTC report containing 5 fraudulent accounts to be blocked and removed. 
I have also listed fraudulent addresses as well as fraudulent inquiries to be removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX 5. MY ONLY EMPLOYER IS : XXXX  I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief