vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I was paying them {$99.00} a month to fix my credit they never had an update or fix my credit but they was constantly charging my account and I call multiple times they would not give me a update or credit score and I had to change my account information because the kept charging me and put my account in negative status. I had to pay out more money to fix my checking account and they never fixed my credit. Every time I call I got a different representative an nothing was resolved but my money was constantly being taken out of my account. I was actually ripped off by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$460.00XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$400.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: VA

Complaint narrative:
An old auto loan account with XXXX XXXX XXXX is still being factored into my Equifax credit score, showing continuous missed payments from XXXX through XXXX. However, this account was voluntarily surrendered in XX/XX/XXXX and should have been closed at that time. 

I have previously attempted to dispute this through XXXX XXXX and Equifaxs online portal, but the account does not appear in the XXXX Accounts section for me to dispute. Despite this, the accounts negative payment history is still impacting my Equifax credit score, showing false missed payments every month for over XXXX years. 

The creditor has reported a supposed payment made in XX/XX/XXXX. To my knowledge, I did not make any payment after the vehicle was surrendered in XX/XX/XXXX. This reported payment may reflect an internal adjustment, auction sale proceeds, or accounting entry by the lender rather than an actual payment made by me. Regardless, the account should not continue to report missed payments from XXXX onward, as no payments were due after XX/XX/XXXX. 

The account is also not visible in myEquifaxs XXXX Accounts section or through XXXX XXXX dispute system, making it impossible for me to dispute this information through standard consumer channels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR 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 non-monetary relief
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Late Payment under FCRA Dear Equifax I am writing to formally dispute inaccurate information on my credit report as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) . 

I enclosed a copy of identification and my credit report. 

The item in question is a reported late payment on the following account : Creditor Name : XXXX XXXXXXXX XXXX  Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I believe this information is inaccurate and unverifiable, because I have made all my payments on time and have never received any proper notice of the due date nor late payments. 

Under the FCRA, you are required to investigate my claim and remove or correct any inaccurate or unverifiable information within 30 days. I request that those late payments be removed from my credit file immediately unless your investigation can verify its accuracy with documentation from the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: DE

Complaint narrative:
On XX/XX/year> I sent my FTC report along with my date drivers license to Experian, Transunion  and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a victim of identity theft. I did not authorize or initiate any of the fraudulent accounts, transactions, or activities that have been conducted using my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX, will not respond with any information. Im requesting these accounts be blocked and removed permanently XXXX account ending in XXXX second XXXX account ending in XXXX. Im requesting validation may pursuant to the fair debt collection practices act please know that I am requesting validation that is competent evidence bearing my signature showing that I have or ever has some contractual obligation to pay you. Please also be aware that any negative XXXX found on my credit reports, including Trans Union experience, XXXX  from your company or any company that you represent for debt that I dont owe is a violation of the fair debt collection practices act FDCPA And the fact that Trans Union XXXX  and XXXX  knows that charge offs Are considered income As defined by IRS , the IRS considers a charge of to be income either a gross or ordinary income like this doesnt belong on consumer credit report so this information on my report isnt accurate by IRS rules any canceled debt or charge of is classified as income reporting as debt is incorrect, according to 15 usc 1681 5 ~2 account name as a provider of information to a credit reporting agency is prohibited by law from sharing an accurate information on requesting that you delete both accounts

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 2025-05-04 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: CA

Complaint narrative:
XXXX XXXX, will not respond with any information. Im requesting these accounts be blocked and removed permanently XXXX account ending in XXXX second XXXX account ending in XXXX. Im requesting validation may pursuant to the fair debt collection practices act please know that I am requesting validation that is competent evidence bearing my signature showing that I have or ever has some contractual obligation to pay you. Please also be aware that any negative XXXX found on my credit reports, including XXXX XXXX experience, XXXX  from your company or any company that you represent for debt that I dont owe is a violation of the fair debt collection practices act FDCPA And the fact that XXXX XXXX Experian and XXXX  knows that charge offs Are considered income As defined by IRS XXXX the IRS considers a charge of to be income either a gross or ordinary income like this doesnt belong on consumer credit report so this information on my report isnt accurate by IRS rules any canceled debt or charge of is classified as income reporting as debt is incorrect, according to 15 usc 1681 5 ~2 account name as a provider of information to a credit reporting agency is prohibited by law from sharing an accurate information on requesting that you delete both accounts

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 2025-05-04 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account XXXX : XXXX  # XXXX * * * * * - Date Opened XX/XX/year>

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 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valor Intelligent Processing, LLC
State: NC

Complaint narrative:
I received verification that I may have incurred the original debt. Requested addtional information about previous attempts by the original creditor to collect the original debt. I am also seeking clarification about the amount of the original debt and any additional charges that result in the amount they claim I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Kingston Data & Credit International Inc.
State: VA

Complaint narrative:
Amount : {$1200.00} Creditor : Kingston Data and Credit Date : XX/XX/year>2020 This letter serves as an official challenge to the alleged debit reported by your company on my consumer report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s ), your company is legally obligated to ensure the accuracy, validity, and completeness of any information reported to consumer reporting agencies.

Please provide supporting documentation, including the original signed agreement, the amount of {$470.00} and any communication that justifies this. Failure to provide such documentation constitutes a violation of my rights under 15 U.S.C. 1681s ( b ), which requires furnishers to investigate disputed information thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN IS CONSTANTLY STALLING AND NOT MENTIONING A SUPERVISOR FROM XXXX XXXX SPOKE WITH THEM ON MY BEHALF WHILE I WERE ON THE PHONE. ( CONFRERENCED CALL ) EXPERIAN IS CONSTANTLY IGNORING THE DELETION REQUESTED FROM XXXX XXXX AND MYSELF WHILE CONSTANTLY STATING FOR ME TO CONTACT XXXX XXXX. XXXX XXXX SENT ME A COPY OF THE FACT THAT THEY HAVE DELETED THE BANKRUPTCY AND NO LONGER REPORTING IT AS ON XX/XX/year>. SO WHY IS EXPERIAN ASKING ME TO CONSTANTLY CONTACT XXXX XXXX? HERE IS THE COMPY OF THE REPORT FROM XXXX XXXX THEMSELVES IN WHICH EXPERIAN ALREADY HAS. ( REDUNTANCY ) SEE ATTACHED

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 2025-05-04 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:
Subject : Formal Dispute Inaccurate Reporting by Portfolio Recovery Associates To Whom It May Concern : I am writing to formally dispute and request an investigation into the reporting of an account listed under XXXX XXXX XXXX ( or XXXX XXXX ) on my credit report. This account is currently being reported inconsistently across XXXX, Equifax, and XXXX, which constitutes inaccurate and misleading reporting in violation of the Fair Credit Reporting Act ( FCRA ). 



The discrepancies include the following : Different account opening dates Conflicting or inaccurate closing dates Mismatched terms or duration of the account Incorrect type of account listed ( e.g., installment vs. collection ) Inconsistent or inaccurate payment history This inconsistent information is affecting my credit profile and could impact lending decisions. As the data furnisher, XXXX XXXX XXXX is legally required to ensure that all furnished information is accurate, complete, and verifiable across all consumer reporting agencies. 



Requested Action : I am formally requesting that you : 1. Investigate the discrepancies in this account with XXXX XXXX XXXX 2. delete any unverifiable or inaccurate information 3. Provide written confirmation of the outcome of your investigation within the time frame mandated by law ( 30 days under the FCRA ) Enclosed are copies of my credit reports from each bureau, with the XXXX XXXX entry highlighted and discrepancies noted, along with a copy of my government-issued ID and proof of address. 



Thank you for your attention to this matter. I look forward to your timely resolution of this dispute. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting by Portfolio Recovery Associates To Whom It May Concern : I am writing to formally dispute and request an investigation into the reporting of an account listed under XXXX XXXX XXXX ( or XXXX XXXX ) on my credit report. This account is currently being reported inconsistently across XXXX, XXXX, and TransUnion, which constitutes inaccurate and misleading reporting in violation of the Fair Credit Reporting Act ( FCRA ). 



The discrepancies include the following : Different account opening dates Conflicting or inaccurate closing dates Mismatched terms or duration of the account Incorrect type of account listed ( e.g., installment vs. collection ) Inconsistent or inaccurate payment history This inconsistent information is affecting my credit profile and could impact lending decisions. As the data furnisher, XXXX XXXX XXXX is legally required to ensure that all furnished information is accurate, complete, and verifiable across all consumer reporting agencies. 



Requested Action : I am formally requesting that you : 1. Investigate the discrepancies in this account with XXXX XXXX XXXX 2. delete any unverifiable or inaccurate information 3. Provide written confirmation of the outcome of your investigation within the time frame mandated by law ( 30 days under the FCRA ) Enclosed are copies of my credit reports from each bureau, with the XXXX XXXX entry highlighted and discrepancies noted, along with a copy of my government-issued ID and proof of address. 



Thank you for your attention to this matter. I look forward to your timely resolution of this dispute. 



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
Consumer complaint received 2025-05-04 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: CO

Complaint narrative:
I am submitting this request to dispute and seek the removal of inaccurate information currently reported on my consumer credit file. Specifically, I have identified entries that are incorrectly categorized including accounts and late payments that are wrongfully listed as inquiries. These entries are both incomplete and inaccurate, and they do not reflect any actions I have authorized or initiated. 

I respectfully request a thorough investigation into these discrepancies and the prompt deletion of any unverifiable or misrepresented items from my credit report. 

Thank you for your attention and assistance in helping ensure the accuracy and fairness of my consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
My personal information was involved in Equifaxs data breach. I believe the following accounts are unauthorized and unverified, as they are unfamiliar to me and have not been validated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are likely the result of the data breach. Ive attached my dispute letter and a copy of the Equifax data breach settlement as proof. Please investigate and remove these accounts from my Equifax credit report within 4 days as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IN

Complaint narrative:
The XXXX XXXX account in question has been charged off, yet it continues to report a balance and ongoing late payments on the credit report. A charge-off indicates that the creditor has deemed the debt unlikely to be collected and has closed the account, which should stop the accrual of new late payments. However, the continued reporting of delinquencies and a remaining balance may be inaccurate or misleading, and it may warrant a dispute or clarification with the creditor or credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to request updates and corrections to my personal information currently on file with all credit bureaus. Kindly make the following changes to ensure that my credit report is accurate : XXXX. Address : Please update my address to the following : XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX XXXX. Name : Please update my name to : XXXX XXXX XXXX. Social Security Number : My correct Social Security XXXX is : XXXX XXXX. Date of Birth : Please correct my date of birth to : XX/XX/year> XXXX. Employer : My current employer is : XXXX XXXX XXXX XXXX Additionally, I request that no telephone numbers be included on my credit report. 
Lastly, I ask that you please remove any addresses currently listed on my credit report that are not deliverable by the U.S. Postal Service, as these are inaccurate and should not be reflected as per the Fair Credit Reporting Act ( FCRA ). 
Thank you for your attention to this matter. I look forward to receiving confirmation of the changes no later than 30 days upon receiving this letter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: OK

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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