vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
This business has been calling me multiple times every single day, even on weekends and after XXXX XXXX XXXX XXXX  even after being asked multiple times on a daily basis not to continue to call me .... I'm not even sure if this debt is mine or if this debt even truly exists. But I am tired of the phone calls every single day, and I'm tired of asking them to stop calling me. This is getting ridiculous.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had this Capital one card and it was charged off closed by the bank. we both agreed upon a monthly payment to payoff whatever the balance is. The agreement was to pay monthly {$100.00} every month for 38 month. which i am paying every month. I have attached the payment proof and also the payment plan agreement with the bank capital one. but for some reason capital one have been sending wrong report to credit bureaus as missed payments. Since XXXX, XXXX my payment plan started and have been paying on time every month. but they have been sending reports to bureaus as late payment. The latest update is till XX/XX/XXXX and it says late.. no. Thats incorrect. I can fight this on the court with lawyer too because i have every proof.. I have attached the credit bureaus report and also the proof i have been paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: PR

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request an update to my personal information as reported in my credit file. Upon reviewing my credit report, I have identified inaccurate or outdated information that needs to be corrected. As per my rights under the FCRA, I request that you investigate this matter and make the necessary corrections within 30 days.

Below are the details of the incorrect or outdated information : 1. Incorrect Name : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as XXXX XXXX XXXX. Under the FCRA, inaccurate information must be corrected promptly. I request that my name be updated to reflect my legal identity. 
2. Incorrect Address : My current residential address is XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, PR XXXX. However, my credit report contains incorrect addresses : XXXX XXXX XXXX, XXXX XXXX, PR XXXX XXXX XXXX, XXXX XXXX XXXX PR XXXX Since outdated addresses can cause identity verification issues and increase the risk of fraud, I formally request that they be removed and that my current address be updated accordingly. 
Enclosed Supporting Documentation : A copy of my driver 's license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
Legal Basis and Request for Confirmation : Under FCRA 15 U.S.C. 1681i, Experian is required to investigate and correct inaccurate information within 30 days of receiving this dispute. Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes.

If this matter is not resolved within the legally mandated timeframe, I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

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

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 2025-03-02 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: VA

Complaint narrative:
Applied for an apartment got denied because of fraud alert Remove wrong I have been trying to figure out what is wrong for over a year I complained to XXXX Nothing is working Im contacting the attorney generals office and hopefully they will help me Also my driving record is sealed. Why??? 

There is so much incorrect information on my credit report but my biggest concern is the fraud alert Remove wrong I dont understand what is going on I cant get approved for anything Meanwhile I havent had a credit card since XXXX  What is going on

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 2025-03-02 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: FL

Complaint narrative:
INCORRECT INFORMATION PERSONAL ON MY CREDIR REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Hello, I have been affected by the recent XXXX  in XXXX, the XXXX XXXX. Luckily, the house didn't burn down, and my family and I are still alive, however, we were evacuated for days and XXXX  an extensive XXXX XXXX The Governer as well as President XXXX declared emergency natural disaster for my area and provided some benefits to the homeowners affected by the fire, i.e., forbearance and prohibiting the lenders to foreclose and file a notice of sale. 

This has affected my business I do tax preparation and working from home. some of my clients have been affected by the fire and I don't know if they are going to come back to do their taxes. 

As if that wasn't enough, right after we were allowed to come home, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Mr. CooperXXXX has just filed a notice of sale to sale my house on XX/XX/year>, in violation of the law. 

I called as well as tried to request for forbearance due to natural disaster online, but the program doesn't allow me to do it. when I called Mr. Cooper, I was told that I could not qualify. Please help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: KY

Complaint narrative:
Name : XXXX XXXX Social Security : XXXX Date Of Birth : XX/XX/XXXXXXXX  Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX KY XXXX TransUnion , Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have 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 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 ( AN ( 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. 
Remove Non mailing fraudulent addresses listed below : XXXXXXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Remove Unauthorized Fraudulent Accounts Listed Below : FCRA Law - XXXX ( XXXX ) Opened XXXX XXXX, XXXX, Credit Card Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

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 2025-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-03-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Second Request - Credit Reporting Violations Under FCRA and FDCPA Dear Consumer Financial Protection Bureau , I am submitting this second complaint regarding inaccurate and improper reporting on my credit report, as my previous complaint was not resolved satisfactorily. 
I have noticed multiple Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) violations on my credit report that are negatively impacting my financial standing. Despite my first dispute, the credit bureaus and/or creditors have failed to take corrective action. 
Issues Identified on My Credit Report : 1. Inaccurate Reporting of Account Status o The following account ( s ) have been reported as Charge-off or in collections, despite being disputed and/or settled : XXXX XXXX XXXX XXXX XXXX This violates 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ), as the furnisher has failed to update incorrect information. 
2. Re-Aging of Debt ( Possible Violation ) o The Date Last Active and/or the Date of Last Payment appears to have been incorrectly updated, which restarts the statute of limitations on the debt.

o If proven, this would be a serious violation of FCRA and FDCPA regulations. 
3. Failure to Mark the Account as Disputed o Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), creditors and credit bureaus are required to mark accounts as disputed once a dispute has been filed.

o My disputed accounts are still being reported without this required notation. 
4. Incorrect Balance and Credit Limit Reporting o Some accounts show inconsistent balances, credit limits, and past due amounts, which may be artificially inflating my debt-to-credit ratio.

o This violates FCRA 15 U.S.C 1681e ( b ) ( duty to maintain accuracy ).

Requested Resolution : I respectfully request the CFPB to investigate this matter and ensure that the credit bureaus and/or creditors : delete the inaccurate information on my credit report. 
Provide proof of debt validation ( if applicable ). 
Cease any re-aging of accounts and report the accurate Date of Last Activity. 
Ensure compliance with FCRA and FDCPA regulations. 
Attached are copies of my credit report, previous dispute letters, and any responses from credit bureaus or creditors. 
I appreciate your attention to this matter and look forward to your prompt resolution. Please provide me with updates regarding the investigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
TRUIST BANK Date opened XX/XX/year> Balance {$15000.00} Status Open. 

According to 15 USC 1666b this must be removed from 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 2025-03-02 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: CO

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation and reinvestigation. The inaccuracies are highly injurious to my credit score In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, They failed to provide any information an the names and business addresses of each individual with whom they verified the above. They failed to protect my consumer rights. 
Account Name XXXX XXXX XXXX Account number XXXX Late payment reported on ( XXXX XXXX ). Please update the account as Paid Current. 
The late payments were reported during the COVID pandemic and congress passed a law on XX/XX/XXXX stating creditors should not report any late payments. The law says the following. 
The Coronavirus Aid, Relief, and Economic Security ( CHChCh ) Act, passed by congress and signed into law on XX/XX/XXXX, contains a provision explicitly addressing the FCRA, Section 4021 of the Cares Act amends Section 623 ( a/ ( 1 ) of the FCRA ( 15 USC 1681 s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent,, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX and do not apply to charged-off accounts Please remove the late payments on XX/XX/XXXX as it's a direct violation of the Coronavirus Aid, Relief, and Economic Security 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 2025-03-02 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: NY

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian / Equifax I am writing to formally dispute inaccurate information on my credit report that I believe to be harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation in to these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau
filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections perpetuate the inclusions of inaccurate information on credit reports.

I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian / Equifax I am writing to formally dispute inaccurate information on my credit report that I believe to be harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation in to these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau
filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections perpetuate the inclusions of inaccurate information on credit reports.

I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-03-02 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: VA

Complaint narrative:
Applied for an apartment got denied because of fraud alert Remove wrong I have been trying to figure out what is wrong for over a year I complained to Lexisnexis Nothing is working Im contacting the attorney generals office and hopefully they will help me Also my driving record is sealed. Why??? 

There is so much incorrect information on my credit report but my biggest concern is the fraud alert Remove wrong I dont understand what is going on I cant get approved for anything Meanwhile I havent had a credit card since 2016 What is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: VA

Complaint narrative:
Applied for an apartment got denied because of fraud alert Remove wrong I have been trying to figure out what is wrong for over a year I complained to XXXX Nothing is working Im contacting the attorney generals office and hopefully they will help me Also my driving record is sealed. Why??? 

There is so much incorrect information on my credit report but my biggest concern is the fraud alert Remove wrong I dont understand what is going on I cant get approved for anything Meanwhile I havent had a credit card since XXXX  What is going on

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 2025-03-02 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: Credit Karma, LLC
State: TX

Complaint narrative:
I have life lock and it's showing multiple years of payday loans under my personal information state to state with different date of births. Different drivers license etc maybe even social security numbers all kinds of junk I can't access my credit karma because of these theives I have multiple police reports here in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXt who ever it is just going from state to state main base is out of California. I have a XXXX  case for mail theft as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
I have life lock and it's showing multiple years of payday loans under my personal information state to state with different date of births. Different drivers license etc maybe even social security numbers all kinds of junk I can't access my XXXX XXXX because of these theives I have multiple police reports here in XXXX XXXX XXXX XXXX XXXX XXXX XXXX police XXXX police department who ever it is just going from state to state main base is out of California. I have a usps case for mail theft as well

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