vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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:
Subject : Request for Removal of Inaccurate Repossession Entry Dear Sir/Madam, I am writing to formally dispute an inaccurate and incomplete entry on my credit report related to a repossessed vehicle. The account in question is being reported with an incorrect balance and without proper notice regarding the vehicles sale, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Account : XXXX Account Number : n/a Reasons for Dispute : 1. Inaccurate Balance : The creditor failed to update the balance on this account after the vehicle was sold at auction. The reported balance is inflated and does not reflect the proceeds of the sale, which should have been applied toward the account. This constitutes inaccurate reporting and must be corrected or removed.

2. Lack of Required Notification : I was never provided with a notice of sale or a redemption opportunity after the repossession. This is a violation of my rights and applicable state and federal laws, including requirements under the Uniform Commercial Code ( UCC ) and the FCRA.

3. Failure to Provide Documentation : I have not received any documentation verifying the balance due or confirming that proper procedures were followed in notifying me about the sale. Without verifiable evidence, this item must be removed under Section 609 and Section 611 of the FCRA.

I am requesting that this entry be thoroughly investigated and permanently removed from my credit report due to the creditors failure to provide accurate and complete information. 

Please send me written confirmation of the results of your investigation and, if applicable, an updated credit report reflecting these changes. 

Thank you for your prompt attention to this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

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 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 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
Goodleap Finance. had installment plan where my loan was deducted from my bank account. The payment was scheduled for XXXX of month which is difficult for me because I receive my paycheck on XXXX of the. month. In XXXX I requested the date to be moved to XXXX of XXXX. I am not behind in any payments. 
On XXXX XXXX they deducted {$970.00} from my account and again on XX/XX/XXXX they deducted {$970.00} from my bank account. This is XXXX payments for month of XXXX. 
I called and requested refund. Here is what they said : The reason we are not able to refund me is because both of these payments were approved and refund will put my account past due. So I am punished for changing my due date by 4 days. Ridiculous! 
I have limited income because I am on pension and I needed that extra payment for bills and food for month. This is unfair practices and customer service is bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-20 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: DE

Complaint narrative:
My account with XXXX XXXX XXXX XXXX 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 in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-05-20 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-05-20 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-20 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: NV

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: UT

Complaint narrative:
I got my credit report and I found this account that do not belong to me, I never open this account. I need documentation with my signatures or the information they have from this account from whoever open this account please. the amount my credit report shows is {$1000.00} it says that this account was open XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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.

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 explanation
Consumer complaint received 2025-05-20 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. 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 2025-05-20 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, XXXX XXXX XXXX ( 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 2025-05-20 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: OK

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$530.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
Hello! I need to request that you remve somethin frm my file. I've got the information on what I want u to remve from that report I sent u. Now, let me get into it : I've been a victim of identity theft, and I did not make tht charge, absolutely not! Can u remove those items from my credit report? Oh, and I've also filed something with the Federal Trade Commission and included copies of their Identity Theft Affidavit as well. If you could get this done as quickly as possible, that would be great!

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 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid off my loan XX/XX/year> as of today XX/XX/year> citi bank has not recored the deed. 
i have gone to the branch and reach out to Business Relationship Manager, but nobody can give me any information about the loan. the branch told me the loan shows and call the 1800 customer service, the business manager says cant see any information about my loan.

i called 1800 customer service and they told me to go to the branch,

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 2025-05-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern : Subject : Urgent Personal Information Dispute and Correction Request I am writing to dispute and correct the inaccurate and outdated personal information currently being reported on my credit profile. As required by the Fair Credit Reporting Act ( FCRA ), all information included in my credit file must be complete, accurate, and up to date. The following data does not reflect my correct identity or residence history and must be permanently removed from your records : CORRECT PERSONAL INFORMATION ( to remain ) : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Email : XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX Bank, NA TRANSUNION REMOVE IMMEDIATELY : Current Address ( es ) : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Employer Correction : Replace XXXX XXXX bank with XXXX XXXXXXXX XXXX XXXX  Remove First Horizon EXPERIAN CORRECTIONS REQUIRED : Correct Date of Birth : XX/XX/XXXX ( not just XXXX ) Correct Name : XXXX XXXX XXXX ( not XXXX XXXX ) Remove Current Address : XXXX XXXX Ct, XXXX, NC XXXX Remove Previous Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, NC XXXX XXXX Correction : Remove duplicate employer listings XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX List only : XXXX XXXX Bank, XXXX EQUIFAX XXXX REQUIRED : XXXX XXXX : XXXX XXXX XXXX ( not XXXX XXXX ) Remove XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX DE XXXX XXXX XXXX  XXXX XXXX, XXXX, NC XXXX XXXX Correction XXXX Only report XXXX XXXX XXXX, XXXX I am formally requesting that each of the above-mentioned credit reporting agencies immediately delete or correct the inaccurate and outdated information listed. Please ensure that only my correct, verified personal information remains on file. 

Under FCRA 609 and 611, I am entitled to a reasonable reinvestigation of disputed personal data and expect a written confirmation of your actions within 30 days of receipt of this letter. 

If this matter is not resolved promptly and accurately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general for non-compliance. 

Attached you will find : A copy of my government-issued ID A bank statement verifying my current address Highlight of my consumer report reporting inaccurate information Thank you for your attention to this matter. I look forward to your written confirmation that these corrections have been completed. 

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 explanation