vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to address a serious issue regarding the reporting of an obsolete account on my credit report. The account in question is : Creditor : XXXX XXXX Account Number : XXXX In XX/XX/XXXX, my credit report showed this account was scheduled for removal by XX/XX/XXXX. However, after recently requesting its removal, I found that Experian has extended the removal date to XX/XX/XXXX without justification. This alteration directly violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), which prohibits reporting negative information more than seven years from the date of the first delinquency.

This issue is particularly concerning given the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for conducting sham investigations into credit report errors. Your arbitrary extension of this account 's removal date mirrors the kind of misconduct outlined in the lawsuit and further undermines confidence in your adherence to federal laws.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian must conduct a reasonable reinvestigation when a consumer disputes an account. Your decision to alter the removal date instead of properly resolving my dispute demonstrates negligence and noncompliance. Moreover, 15 U.S.C. 1681e ( b ) requires you to maintain reasonable procedures to ensure maximum possible accuracy, which you have failed to do. 

I have enclosed a copy of my original XX/XX/XXXX credit report, which clearly shows the removal date as XX/XX/XXXX. Your extension of this date violates both the law and my rights as a consumer. 

I demand the immediate deletion of this account from my credit report, as required by the FCRA. Please provide written confirmation of the account 's removal within 30 days. Failure to comply will result in formal complaints to the CFPB, the Federal Trade Commission ( FTC ), and other appropriate authorities. I also reserve the right to pursue legal action to protect my rights. 

The ongoing issues with Experian 's practices, highlighted by the CFPB lawsuit, make it imperative that you address this matter promptly and transparently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
Heres a dispute letter template to address the duplicate collections reporting issue : [ Your Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Date ] XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding Duplicate Reporting of Autocredit Account Dear XXXX, I am writing to formally dispute the inaccurate and duplicate reporting of an account from Autocredit on my credit report. The duplicate entries are affecting my credit profile and do not accurately reflect my financial history. 

The duplicate accounts are as follows : 1. Account # XXXX : Listed as an installment account, opened on XX/XX/year>, with a status of Paid. 
2. Account # XXXX : Listed as an installment account, opened on XX/XX/year>, with a status of Closed or Paid with Zero Balance.

Both accounts are from the same creditor, Autocredit, and reflect identical information except for slight discrepancies in reporting dates. It is clear that this is a duplicate entry, which violates the Fair Credit Reporting Act ( FCRA ) by inaccurately representing my credit obligations. 

To assist with your investigation, I have attached the following documents : 1. A copy of my government-issued photo ID. 
XXXX. A utility bill for address verification. 
XXXX. Screenshots of the duplicate accounts as they appear on my credit report. 

Please complete this investigation and provide written confirmation of the resolution within 30 days, as required by the FCRA. 

If you require additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Someone open up this account without my knowledge and I contact this company several time and no response its illegal to report inaccurate Stuff on my 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 2025-01-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
A collection agency by the name of XXXX XXXX  was assigned date XX/XX/XXXX and the first delinquency date was XX/XX/XXXX. XXXX {$230.00}. 
Another collection agency by the name of The Phoenix Recovery Group XXXX XXXX  the edge was assigned on XXXX. Original amount owed was {$1500.00}, now at {$1500.00}, which is an individual and revolving account with last 4 digits being XXXX. Another account with them, assigned XX/XX/XXXX was used for rental and leasing it says the last 4 digits on the account opened on XX/XX/XXXX, are # XXXX with an unpaid amount of {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting *validation ' ; that is competent evidence bearing my signature, showing that i have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Fallure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: MS

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: MS

Complaint narrative:
[ XXXX XXXX ] XXXX MS XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Dispute of Misinformation on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute the misinformation reported on my credit file. My name is XXXX I have recently reviewed my credit report from XXXX and other credit reporting agencies and identified several inaccuracies that I believe are negatively affecting my credit score and overall financial standing. 

The following are details of the accounts I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Address XXXX XXXX XXXX XXXX. XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX I request that the Consumer Financial Protection Bureau investigate these inaccuracies and assist me in rectifying my credit report. Under the Fair Credit Reporting Act, I am entitled to accurate information on my credit report, and I appreciate your prompt attention to this matter.

Please inform me of the outcome of your investigation, and if corrections are made, please send me an updated copy of my credit report.

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
[ XXXX XXXX ] XXXX MS XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Dispute of Misinformation on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute the misinformation reported on my credit file. My name is XXXX I have recently reviewed my credit report from XXXX and other credit reporting agencies and identified several inaccuracies that I believe are negatively affecting my credit score and overall financial standing. 

The following are details of the accounts I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Address XXXX XXXX XXXX XXXX. XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX I request that the Consumer Financial Protection Bureau investigate these inaccuracies and assist me in rectifying my credit report. Under the Fair Credit Reporting Act, I am entitled to accurate information on my credit report, and I appreciate your prompt attention to this matter.

Please inform me of the outcome of your investigation, and if corrections are made, please send me an updated copy of my credit report.

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

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
My information was exposed in the data breach. Late payments showing on my credit report. I want removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
[ XXXX XXXX ] XXXX MS XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Dispute of Misinformation on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute the misinformation reported on my credit file. My name is XXXX I have recently reviewed my credit report from TransUnion and other credit reporting agencies and identified several inaccuracies that I believe are negatively affecting my credit score and overall financial standing. 

The following are details of the accounts I am disputing : TRANSUNION XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via TRANSUNION XXXX IN XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX via TRANSUNION XXXX XXXX via TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 Current Address XXXX XXXX XXXX XXXX. XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX I request that the Consumer Financial Protection Bureau investigate these inaccuracies and assist me in rectifying my credit report. Under the Fair Credit Reporting Act, I am entitled to accurate information on my credit report, and I appreciate your prompt attention to this matter.

Please inform me of the outcome of your investigation, and if corrections are made, please send me an updated copy of my credit report.

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

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Date for compliant is XX/XX/year> ; XXXX XXXX  XXXX reports that fraud was done with my name. I am not aware of any fraud done in my name during XXXX. The information that is being reported is incorrect. 

According to FCRA Section 605B, it is illegal to report any info on my credit report without my permission. 

I am requesting to have this taken off my credit report. This information on the early warning system report is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I did not initiate any transaction, application, or request for credit with XXXX XXXX on or around the date mentioned above, I believe this inquiry was made in error or as a result of fraudulent activity. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this unauthorized inquiry be removed from my credit report at the earliest possible time. Please provide written confirmation that this inquiry has been deleted from my credit report. Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry, a copy of my identification, and any other documentation you may require to proceed with this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: IL

Complaint narrative:
On XX/XX/XXXX I reported a fraudulent account ( Creditor : XXXX XXXX/ Account Number : XXXX ) to Equifax, which is listed on my credit report. I explained to Equifax that I am a victim of identity theft and have reason to believe that the account was opened without my authorization during the Equifax data breach. I provided an FTC Identity Theft Report along with my identification to Equifax. They removed the account from my credit report ; however, they recently added the account back to my report without explanation.

Company response to consumer: Closed with non-monetary relief