vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
Upon reviewing my credit report, I noticed inaccurate late payment entries reported by XXXX XXXX. I have never missed a payment on this account, and these entries are completely false. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of accurate information. I demand an immediate investigation and removal of the erroneous late payments from my credit file. 

If this matter is not resolved promptly, I will not hesitate to pursue legal action for damages resulting from the reporting of false information.

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 2025-04-09 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: FL

Complaint narrative:
Upon reviewing my credit report, I noticed inaccurate late payment entries reported by XXXX XXXX. I have never missed a payment on this account, and these entries are completely false. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of accurate information. I demand an immediate investigation and removal of the erroneous late payments from my credit file. 

If this matter is not resolved promptly, I will not hesitate to pursue legal action for damages resulting from the reporting of false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
As I stated before, detectives called me last XX/XX/XXXX to follow up about a car theft to see if I found this particular vehicle. I told them I have a XXXX and its outside, my car is not stolen and I never filed it stolen. They put me on hold, came back and asked what was my address etc, I told them. They said the information on the report was not my information and the only way they found me was bc of my license and someone stole my identity. They told me to get my id changed and check my credit report and we did an identity theft police report. I checked nothing was there so I figured it was mistaken identity and they updated me and said the police found the car in California. I checked my credit XX/XX/XXXX and the car, phone bills and so many things are on my report. I called each one and the companies asked for my social security I gave it to them, they said thats not whats on the paperwork and they cant give me anything bc I dont know any of the information thats on there, only my id number. Im so confused as to why every credit agency is adding things on my report and wont take it off when its reporting a different social security to now when I call its a different reporting social on my credit. This is so frustrating XXXX XXXX cant do anything with my credit and they wont help 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 2025-04-09 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX  - Account XXXX XXXX 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP
State: ID

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting by XXXX To Whom It May Concern, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX that has negatively impacted my ability to open new bank accounts and manage my finances. 

Details of the Complaint : Consumer ID : XXXX Name : XXXX XXXX Reported Source : KeyBank Reported Address : XXXX North XXXX XXXX, XXXX, OH XXXX Reported SSN/ID : XXXX Date of Closure : XX/XX/year> RTN/Account # : XXXX Original Charge Off Amount : {$19000.00} Closure Status : Unpaid Closure Status Date : XX/XX/year> I have lived at my current address, XXXX XXXX XXXX XXXX XXXX, XXXX, ID, for the past 14 years and have never resided at the address listed above. I have no knowledge of the reported account and have never been associated with any overdrafts or the charge-off amount mentioned. 

This inaccurate information has caused significant issues for me in opening new accounts and verifying my identity across various platforms. I have attempted to resolve this matter directly with XXXX by disputing the inaccuracies, but I have not received a satisfactory resolution. 

I am requesting your assistance in investigating this matter and ensuring that the inaccurate information is corrected. I have attached relevant documentation, including my identification and proof of address, to support my claim. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-04-09 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: NJ

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 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 2025-04-09 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: NJ

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 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 2025-04-09 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:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( 3 Bureaus ) XXXX  XXXX - Account Number : 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 2025-04-09 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 formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXXXXXX XXXX  - Balance : {$1100.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1300.00} - Account # : XXXX XXXX XXXX, XXXX - Balance : {$2800.00} - Account # : XXXX XXXX XXXX - Balance : {$7800.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX XXXX, 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 XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXXXXXX XXXX  - Balance : {$1100.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1300.00} - Account # : XXXX XXXX XXXX, XXXX - Balance : {$2800.00} - Account # : XXXX XXXX XXXX - Balance : {$7800.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX XXXX, 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 XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The Plaintiff MCM are in violation with CFPB Validation notice1006.34, and 15 U.S.C . 1692g ( a ) under this section of the FDCPA debt collectors. Failure to first initial communication and within five days. XXXX XXXXXXXX failure provided Validation notice to the Defendant. 15 U.S.C. 1692g ( a-1,2,3,4,5 ) under this section of the FDCPA debt collectors The Defendant rights to respond within thirty days to the Validation notice, and for Plaintiff XXXX to validate the debt for accuracy. However, Plaintiff MCM forward documents to the defendant, over thirty days after the lawsuit was filed. The Plaintiff MCM claims in lawsuit on XXXXXXXX XXXX a demand for payment was made, the defendant refused, failed to remit the remaining principal. However, the Defendant does not recall any contact with the XXXX XXXX on that day.The Plaintiff MCM are in violation with 15 U.S.C. 1692e under this section of the FDCPA prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. The XXXX XXXX are in violation with CFPB 1006.18 False, deceptive, or misleading representations or means. 
The Plaintiff MCM repeated harassed the Plaintiff with daily phone calls for weeks and months. The XXXX XXXX are in violation with 15 U.S.C. 1692d ( 5 ) under this section of the FDCPA prohibits debt collectors from harassment continuously with the intent to annoy, bus, or harass any person by calls.The Plaintiff MCM has been sued by CFPB for violations misrepresenting, deceptive and unfair practices. Documented in lawsuit when the Plaintiff MCM are suing under breach of Contact theory, the Plaintiff MCM are to supposed to forward documentation of contractual terms and conditions within thirty days of filing the lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : Citibank , N.A . 
Regulatory Complaint Dept XXXX XXXX XXXX XXXX, KY XXXX Re : Citi bank card and Wayfair XXXX CFPB Case # : XXXX Dear Citibank Regulatory XXXX XXXX XXXX XXXX am writing in response to your letter dated XX/XX/year>, regarding my dispute submitted through the Consumer Financial Protection Bureau XXXX XXXX Wayfair XXXX account currently in charge-off status and involved in ongoing legal proceedings. 

While I understand your obligations under the Fair Credit Reporting Act ( FCRA ), I am seeking to resolve this matter amicably and equitably. Given that legal action has already been taken, I believe continuing to report the account as charged off is unnecessarily punitive and duplicative. My goal is to avoid further legal entanglement and work toward a mutually acceptable resolution. 

Settlement Proposal : I am prepared to settle each outstanding account referenced in this dispute by paying 25 % of the total balance due. In exchange, I respectfully request that Citibank : Update the credit reporting on these accounts to reflect a paid in full or settled in full status, and Remove the charge-off status or any negative remarks associated with the accounts from all major credit reporting agencies. 

This resolution would not only bring closure to the outstanding matters but also reflect favorably on both parties by demonstrating a willingness to cooperate and resolve disputes constructively. 

Please respond in writing with confirmation of your willingness to accept this offer and initiate the process. I am fully prepared to make payment promptly upon acceptance of the terms. 

Thank you for your time and consideration. I hope we can finalize this agreement quickly and professionally. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I went to XXXX XXXX in XXXX, NJ in XXXX years ago, I made payments, it I think was through NelNet. Then I got a letter stating Nelnet did not apply students payments to their account. Then I spoke to someone stating that I work for a non-profit provider ; that my loan would be forgiven. since then my amount has increased. I was told the amount was charged off. this is from over 14 years ago. I have no documentation because it's from a long time ago. I got divorced and my ex was not kind about me collecting my things. I want this removed from my credit report. 

Thank you for your help XXXX XXXX

Company response to consumer: Closed with explanation