vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-28 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: AL

Complaint narrative:
I reported to the Experian credit bureau that I have no knowledge of the information thats reporting onto my credit 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 explanation
Consumer complaint received 2025-01-28 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: LEXISNEXIS
State: FL

Complaint narrative:
I received a letter saying you verified that the BANKRUPTCY is mine. I repeat, the BANKRUPTCY is not mine and is result of FRAUD/ERROR. I do not remember filling a BANKRUPTCY! Please REMOVE it from my credit report IMMEDIATELY! This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report, which I obtained through your services. The items in question have been disputed previously, yet they remain unresolved and continue to appear as inaccurate on my report. Despite my previous efforts to resolve these issues, the same errors persist, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

The following accounts contain inaccurate information : XXXX. XXXX XXXX XXXX Account Number : [ XXXX XXXX XXXX ] Description of Inaccuracy : incorrect payment history and balance XXXX. XXXX XXXX XXXX Account XXXX Description of Inaccuracy : inconsistency of reporting correctly to the agencies, wrong payment history and incorrect balance also reports differently to all agencies. Also XXXX continues to update on a closed account. 
XXXX. XXXX Account XXXX : XXXX Description of Inaccuracy : incorrect balance and status XXXXXXXX XXXX XXXX XXXX Description of Inaccuracy : payment history and failure to provide the original contract from the original creditor XXXX. XXXX XXXX XXXX payment history and failure to provide the original contract from the original creditor I have reviewed my records and can confirm that the above information is either outdated, incorrect, or has not been verified as required under the law. As per the Consumer Financial Protection Bureau ( CFPB ), credit reporting agencies like Experian are required to maintain accurate and complete information. Failure to rectify such discrepancies within the legally mandated time frame not only violates consumer rights but also undermines the integrity of the credit reporting system. 

I request that you conduct a thorough investigation into these disputed items, as required by the FCRA, and remove any inaccuracies from my credit report. If you find that the information can not be verified, I request that you promptly delete or correct these items accordingly. 

Additionally, I would like to emphasize that this is not the first time I am disputing these errors. The continuous failure to correct inaccurate data is a concern, and I expect immediate action to be taken to resolve these matters, or I will not hesitate to file a complaint with the CFPB for further review of this issue. 

Please confirm in writing the resolution of my dispute, and provide a copy of my updated credit report once these items are corrected. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-01-28 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: SC

Complaint narrative:
I reviewed my credit file and noticed accounts that did not belong to me. I firmly believe these have been caused due to the data breach XXXX had and numerous other issues. These account do not belong to me. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion delete and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due to the data breach from XXXX which also caused my information to be exposed. 

The following is an account that is fraudulent XXXX XXXX XXXX account number XXXX opened on XX/XX/year>. 



These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have filed a report with the FTC Identity Theft Criminal. As proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.

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 2025-01-28 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Rent Recovery Solutions
State: NV

Complaint narrative:
To Whom It May Concern, I am writing regarding a debt you claim I owe, account number rent recovery, account number XXXX which I understand was sold to your company. I dispute this debt in its entirety and request verification and validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Per the FDCPA, I have the right to dispute this debt and request that you provide : 1. The original name and address of the creditor who claims ownership of the debt.

2. A complete account of how the debt was calculated.

3. Proof that you have the legal right to collect this debt.

4. Documentation verifying the transfer or sale of the debt to your company.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, if you report this disputed debt to any credit reporting agency, you must indicate it is disputed. Failure to do so is a violation of the law.

Please cease any collection activities until this debt is fully validated and proven to belong to me. If you can not provide the requested documentation, I expect the debt to be removed from your records, and any negative reporting to credit agencies must be deleted.

Finally, be advised that I reserve the right to file complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) if my rights under the FDCPA and FCRA are violated. I also reserve the right to pursue legal remedies if necessary.

Please respond to this dispute in writing within 30 days. All future correspondence regarding this matter should be in writing and sent to the address listed above. 

Sincerely, [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: MD

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and 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 2025-01-28 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: MD

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and 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 explanation
Consumer complaint received 2025-01-28 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: AL

Complaint narrative:
Equifax credit bureau is fraudulent reporting hard inquiries onto my credit report that was not made by me.. I reached out & told them that I did not authorize those creditors to do a credit application with my social security number I also informed Equifax that the accounts are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX i received an email from sofi stating that ny account was restricted this was at XXXX. I was unable to get to work because all of my money is in that account. I called and asked for a reason this was not provided. I asked by email several times for a time frame of when this would be resolved. I was refused any kind of help or information. I also tried to ask if i could move my money so i could get to work buy groceries and pay bills again i was denied. I am currently left with XXXX money and no idea when i can access it. I have done nothing fraudulent. I am at risk of losing my job and home if this is not resolved as i dont have any access to money or a way of getting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: World Acceptance Corporation
State: TX

Complaint narrative:
XX/XX/year> I recently reviewed my credit and have concerns that it may be fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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 2025-01-28 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report ( Report Number : XXXX in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i, and to demand immediate correction. My dispute mirrors systemic issues outlined in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian ( filed in XXXX  ), where the CFPB alleged Experian failed to properly investigate consumer disputes, used flawed automated systems, and retained demonstrably inaccurate information. 

Inaccurate Items Under Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Error : balance/payment history/status/ownership Legal Basis for Dispute : As highlighted in the CFPBs lawsuit, Experians failure to conduct reasonable investigations and reliance on automated systems to dismiss disputes without proper review violates the FCRA. Despite my prior disputes dated [ Insert dates of prior disputes ], Experian has failed to correct these errors, which directly harms my creditworthiness and violates my rights under federal law.

Immediately remove all inaccuracies listed above and provide me with an updated credit report.

Disclose the method of investigation used to verify the disputed items, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Confirm in writing that the errors have been resolved and will not reappear 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 explanation
Consumer complaint received 2025-01-28 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-28 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2025-01-28 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: MD

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I have a late payment reported for XXXX with the report of charge off- account balance paid or being paid by insurance company. 
XXXX XXXX XXXX XXXX was totaled- I contacted both my insurance and Bridgecrest to ask about GAP insurance. Bridgecrest advised me that once my insurance paid their portion they would submit a claim to the GAP insurance. 
XXXX Insurance- XXXX XXXX made their payment. 
After this I contacted Bridgecrest to ask about the GAP claim.. they had not started it... I contacted the GAP insurance and submitted all information myself. 
XXXX GAP insurance paid their payment. 
I made contact to Bridgecrest between this time, but I can not remember the date because this was last year. 
XXXX I received a regular payment reminder message. 
XXXX I logged into the app to see my balance. It reflected {$180.00}. 
XXXX I logged into the app and scheduled a payment of {$180.00} for XX/XX/XXXX. 
XXXX My payment was successfully processed. I was never contacted after this. 
XX/XX/XXXX I logged into my Bridgecrest account and did not see any payment due, so I assumed it was paid off. I was never able to see the account information again after this date. 
XXXX It was reported to credit bureaus that {$170.00} was " charged off- account balance paid or being paid by insurance company. '' With a 60 day late. 

When I contacted Bridgecrest they advised me that their records were correct and that I owed the balance of {$170.00}. 

There is no way this is correct for several reasons : 1. the text message they sent me XX/XX/XXXX was an automated message of my regular monthly payment that I absolutely did not owe. 2. Bridgecrest can not tell me where " I came up with this XXXX payment '' that I made. I certainly didn't make that number up. If I were making a partial payment it would have been an even number. The number " charged off just so happens to be {$170.00} and my payment is {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 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:
My home mortgage with XXXX XXXX  was under review for a loan modification and in forbearance due to a natural disaster financial hardship. During this time I was making reduced payments. XXXX XXXX  informed me that no late payments would be reported while my account was in forbearance. XXXX XXXX  confirmed that they would request the late and past due payment remarks be removed from my credit report. Equifax has repeatedly reported past due and late payments to my credit report despite my many attempts to have them correct the adverse information.

Company response to consumer: Closed with non-monetary relief