vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: DE

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-23 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bought a camper in truest was the loan holder. After a multiple attempts of trying to sell it and was unsuccessful I made a tough choice to do a voluntary surrender and I spoke to them. They said they would pick it up sell any auction and send me a an amount XXXX XXXX. I agree to that. It has gone to auction three times now theyve decided not to accept the amount, so the fourth auction is set, but in the meantime, the amount keeps rising and rising, and the reporting late payments to my credit bureau when in fact, they shouldnt be reporting it to my to the credit bureau because they are the ones that chose not to accept the amount That was offered and to settle the loan instead every month my credit score that I worked hard on and had to make this tough decision. Had I known that wouldve been my outcome I wouldnt have even done that. I wouldve kept it and tried to sell it myself and used it since Im still responsible for the full amount and the monthly payments

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 2025-04-23 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-04-23 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX XX/XX/year> Early Warning Services , LLC XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX RE : Unauthorized Credit Reporting Request for Immediate Investigation and Removal To Whom It May Concern, I am writing to formally dispute the furnishing of my personal information to a credit report by your company without my authorization. Also I'm a victim of identity theft Upon reviewing my credit file, I discovered that Early Warning Services has reported information under my name without my knowledge, consent, or permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, specifically 15 U.S. Code 1681b, 15 USC 1692c ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies whoch are ordinarily invoked by such debt collector or creditor.

15 U.S. Code 1681b, any entity that furnishes or accesses consumer credit information must have a permissible purpose. I have never applied for a product or service that would warrant Early Warning Services to collect, share, or report any data on me. Therefore, I am requesting the following : 1. A full explanation and documentation of why and how my information was furnished or accessed by your company.

2. Immediate removal of any unauthorized data associated with my name or identity from all databases you maintain or share with third parties.

3. A formal statement confirming that any unauthorized entries have been deleted and will not reappear. 

I have enclosed a copy of my government-issued ID and a copy of my Social security card for identity verification purposes. 

If this issue is not resolved within the time frame specified under the FCRA ( typically 30 days ), I will not hesitate to explore legal remedies for damages caused by this unauthorized activity. 

Please confirm in writing that you have received this dispute and are investigating it. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Today, I received a secured transmission from the credit reporting company stating that the fraud block on my credit report could not be completed due to not having documentation on file XXXX XXXX XXXXXXXX. I have already sent in Police reports from the XXXX Police Department, FTC Reports from identitytheft.gov and all of the account that were involved in the identity theft. I called this morning XX/XX/year> at XXXX and spoke with someone who said they have not received any documents needed ( police report, FTC report ECT ). I have sent everything several times already certified mail and even uploaded them in the CFPB. I am getting the run around in fixing the issues caused by the 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 2025-04-23 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: TX

Complaint narrative:
SEE XXXX and others disputed on XX/XX/year>. This complaint is still open after 30 days as well as on the actual site. Violation of Section 611 : Failure to Investigate Disputes If I previously disputed any of these accounts and they were not investigated or corrected within the required 30-day period, this constitutes a violation remedy of XXXX XXXX  per account AND deletion does it not?

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX  and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: SC

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) RE : Complaint Against Equifax Concerning FCRA Violations and Inaccurate Credit Reporting From : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Subject : Urgent Complaint Against Equifax for Willful FCRA Violations, Request for Injunction and Immediate Data Correction XXXX : South Carolina Department of Consumer Affairs Dear Consumer Financial Protection Bureau, Despite the expiration of a reasonable time for resolution, Equifax continues to report inaccurate, misleading, and duplicated negative information across multiple tradelines ; obstructing my ability to begin necessary credit repair and recover from prior harm. 

Key Errors on My Equifax Credit Report Include : XXXX. Outdated and Inaccurate High Balances on Closed Accounts Despite creditors closing accounts in XXXX, Equifax is still reporting high balances ( e.g., {$35000.00} and {$20000.00} ) as current, which is factually incorrect and misrepresents my creditworthiness. 

XXXX. Duplicate Delinquencies Equifax has reported : Multiple XXXX late payments on the same tradeline across different months Multiple XXXX late payments on the same tradeline across different months " XXXX '' statuses posted for back-to-back months from the same creditor ; an action that is procedurally and legally impossible. 

I have found XXXX errors of this nature across XXXX tradelines based on XXXX own data. 

Applicable Legal Violations by Equifax : Equifaxs ongoing failure to correct this erroneous information is a violation of several key FCRA provisions : 15 U.S. Code 1681e ( b ) Requires Equifax to " follow reasonable procedures to assure maximum possible accuracy. '' Reporting duplicate derogatory information and false balances on closed accounts constitutes gross negligence.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Failure to promptly delete or correct inaccurate or unverifiable information after reinvestigation.

15 U.S. Code 1681s-2 ( b ) Upon notification of a dispute from the consumer or a CRA, furnishers must correct inaccurate data. 

Despite Equifax 's response on XX/XX/XXXX, claiming it was still investigating, more than 25 days have passed. This is in clear violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I am filing this formal complaint against Monterey Financial Collections, LLC for failure to comply with debt validation requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Texas Finance Code 392.202 and 392.301. 
On XX/XX/year>, I submitted a written dispute and request for validation of a debt that the collection agency is reporting. Specifically, I requested : Full documentation validating the alleged debt ; A detailed breakdown of the account, including fees and charges ; and the chain of assignment or purchase agreement, proving legal authority to collect on behalf of the original creditor. 

On XX/XX/year>, I received an email response from the agency. However, it did not include the chain of assignment. I immediately followed up with a second request referencing the missing documentation. 

On XX/XX/year>, I submitted a third request for the chain of assignment. In response, the agency stated they were not obligated to provide it and again failed to send the requested documentation. 

This refusal to provide the chain of assignment and the failure to fully validate the debt within the 30-day period violates both state and federal law. Under : FDCPA 1692g ( b ) The debt collector must cease all collection efforts until validation is provided upon request.

Texas Finance Code 392.202 ( a ) Upon written dispute, a third-party debt collector has 30 days to respond with accurate documentation to validate the debt. If the collector does not comply, they may not pursue further collection efforts or continue to report the debt to any consumer reporting agency.

Despite multiple good faith attempts on my part to resolve the matter, no proper chain of assignment has ever been provided, and I continue to be affected by this unresolved, improperly validated debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation