vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within XXXX calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : XXXXFile formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my State Attorney General. 

XXXXInitiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX 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 2025-04-30 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: FL

Complaint narrative:
Transunion is reporting a third party collections account that does not belong to me from XXXX XXXX  XXXX. Third party collections violate the following : FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). This section of the FCRA requires that credit bureaus conduct a reasonable investigation into disputed information. As the collection account is inaccurate and unverifiable, I request that it be removed from my credit report immediately. XXXX XXXX  XXXX could not provide verification within 15 days when requested, therefore it must be deleted. FCRA 605 ( 15 U.S.C. 1681c ) * * : According to this section, negative information such as collection accounts must be removed from a credit report. FDCPA 807 ( 15 U.S.C. 1692e ) * * : The * * Fair Debt Collection Practices Act * * prohibits the reporting of false or misleading information by debt collectors. Since there are inaccuracies, I demand its immediate deletion under this provision. This account is attached to an address that is not mine nor is it verifiable which is a violation of 15 USC 1681. Unverifiable Debt : Since the credit reporting agency and the collection agency can not provide valid documentation and proof of this debt as required by * * FCRA 623 ( 15 U.S.C. 1681s-2 ) * *, it must be removed from my credit report. Creditors and collectors are legally obligated to report accurate information, and failure to verify the account should result in its deletion. Furthermore, under 15 USC 1692g debt collectors must validate debt. If they can not its NOT enforceable. As shown, the debt collector could not provide validation. I am also enforcing my rights through UCC 3-501 by demanding proof of debt through the original contract with XXXX XXXX  XXXX XXXX I also want an itemized statement of my debt under secured transactions law according to UCC 9-210. 
XXXX XXXX  XXXX has no validation or billing explanation has been provided, a clear violation of fair credit billing standards. - * * UCC 3-604 : * * Transunion is reporting a debt for which no contract or legal obligation exists with XXXX XXXX  XXXX XXXX and no lawful consideration was provided. - According to XXXX CFR XXXX all my bills are already paid. According to 18 USC 8 I don't have to pay the original creditor either. According to 12 CFR 202 all my bills are already paid. * * HJR-192/ Public Law 73-10 ( 1933 ) : * * The alleged debt is based on fiat, not lawful money, and no consideration was lawfully exchanged. - * * 20 USC 1087 : * * Transunion is assisting in the unlawful reporting of debt that is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section XXXX and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within XXXX calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : XXXXFile formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my State Attorney General. 

XXXX.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX 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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
b'Hi, my name is XXXX XXXX, and Amex recently closed all my accounts for some reason. They are not disclosing any details to me but keep closing all my cards. I ask Amex to reinstate all my accounts. \nIf not, there are three accounts I recently applied for in XXXX Amex XXXX (card number: XXXX XXXX XXXX), Amex XXXX XXXX (card number: XXXX XXXX XXXX), and Amex XXXX XXXX XXXX (card number: XXXX XXXX XXXX), which have XXXX XXXX XXXX XXXX XXXX annual fees. Since I paid the annual fees but only used the card for around two months and all accounts got closed, I request American Express to refund my annual fee.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX XXXX - XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: MO

Complaint narrative:
Subject : Formal Complaint Equifax 's Failure to Investigate Dispute and Debt Collectors Failure to Respond to Verification Requests To Whom It May Concern, I am writing to file a formal complaint against Equifax Information Services LLC for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), and against multiple debt collectors for violating the Fair Debt Collection Practices Act ( FDCPA ) by failing to respond to my verification requests. 
________________________________________ XXXX. Failure of Equifax to Investigate My Dispute On XX/XX/year>, I submitted a dispute letter to Equifax to challenge inaccurate and/or unverifiable information being reported on my credit file. This letter was typed and hand-signed and included : A clear, handwritten statement of my full name, current address, and Social Security Number A photocopy of my government-issued ID A detailed description of the items in question Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the FCRA, Equifax is required to conduct a reasonable investigation and respond to a consumer dispute within XXXX days of receipt. Equifax received my dispute on XX/XX/year>, meaning the deadline to respond was XX/XX/year>. 
To date, I have received no communication or resolution from Equifax. This constitutes a direct violation of the FCRA. 
________________________________________ XXXX. Failure of Collection Agencies to Validate Debts In addition to my credit bureau dispute, I also sent debt validation letters directly to each collection agency currently reporting derogatory accounts on my credit profile. These letters were also properly formatted, typed and hand-signed, and sent via certified mail. 
Under 15 U.S. Code 1692g ( b ) of the FDCPA, debt collectors are required to cease collection activities and respond with proper verification of the debt before resuming any reporting or collection. As of this date, none of the collection agencies have responded, and their accounts continue to appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AR

Complaint narrative:
Complaint Regarding Second Unjust {$40.00} Late Fee on Credit Card Payment On XX/XX/year>, I made a payment on my U.S. Bank credit card account at approximately XXXX PM, on the due date, as confirmed by my payment records. Despite submitting the payment on time, U.S. Bank charged me a {$40.00} late fee. On or about XX/XX/year>, I contacted U.S. Bank to dispute the fee, explaining that the payment was made on the due date. The bank informed me that I do not qualify for a reversal of the late fee, even though the payment was processed on XX/XX/year>, within the terms of the account agreement. 
This is the second instance where U.S. Bank has charged me an unwarranted late fee for a payment made on the due date, the first occurring in a prior billing cycle. I believe this repeated practice of imposing late fees despite timely payments constitutes predatory behavior, as it unfairly penalizes customers who meet their obligations. I respectfully request that U.S. Bank investigate this matter, reverse the {$40.00} late fee, and provide written confirmation of the correction. I have documentation, including payment confirmation showing the date and time of XX/XX/year>, which I can provide upon request. These fees have caused financial hardship, and I seek a prompt resolution to prevent further predatory practices. 
Thank you for your assistance in addressing this issue.

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 2025-04-30 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: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to maintain the maximum possible accuracy of the information contained in my credit reports, as mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Upon reviewing my credit files, I found multiple unauthorized and inaccurate accounts, outdated addresses, and hard inquiries reported without my consent. Specifically, items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and multiple collection agencies appear across my credit reports. Additionally, several previous addresses and unauthorized hard inquiries from XXXX XXXX were listed. These reports were made without permissible purpose and without my written authorization, violating 15 U.S.C. 1681b and 1681c. 

I formally disputed these inaccuracies and issued an opt-out notice to each bureau, demanding that they delete the disputed accounts, addresses, and inquiries, and cease any further unauthorized reporting of my personal information. Despite providing detailed disputes and invoking my rights under the FCRA and the Privacy Act oXXXX XXXX  ( 5 U.S.C. 552a ), the bureaus have not adequately corrected the records or provided sufficient verification of the disputed items. 

Their failure to correct and remove these unauthorized and inaccurate items has negatively impacted my creditworthiness, caused financial hardship, and subjected me to emotional distress. 

I am requesting the CFPBs assistance in enforcing my consumer rights. I respectfully ask that the CFPB investigate these violations and ensure that Equifax, Experian, and TransUnion : Permanently delete the inaccurate accounts, addresses, and hard inquiries ; Cease reporting my personal information without explicit written consent ; Provide an updated and corrected copy of my credit reports free of charge. 

If these issues are not resolved promptly, I am prepared to pursue all remedies available under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: MI

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint on behalf of myself, XXXX XXXX XXXX. XXXX XXXX is reporting a closed, charged-off account ending in XXXX in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

This account was charged off and closed by the creditor, yet it continues to show active past-due balances, ongoing charge-off notations into XXXX, and re-aged payment history even after my formal dispute in XX/XX/XXXX. 

The credit report contains contradictory information : closed at creditors request but still showing monthly CO notations, full balance marked as past due, and dispute coding missing or misused. 

These actions violate FCRA 1681e ( b ), 623 ( a ) ( 1 ) ( A ), 623 ( b ), 611 ( a ) ( 5 ), and 605 ( a ), and are supported by XXXX XXXX violations including improper status, field XXXX coding conflicts, and post-charge-off activity. 

Ive suffered financial and emotional harm and am requesting permanent deletion and cease & block of this account. Ive attached my Cease & Block Demand, Sworn Affidavit, Declaration of Harm, and Violation Summary.

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 2025-04-30 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: NY

Complaint narrative:
I am submitting this complaint on behalf of myself, XXXX XXXX XXXX. XXXX XXXX is reporting a closed, charged-off account ending in XXXX in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

This account was charged off and closed by the creditor, yet it continues to show active past-due balances, ongoing charge-off notations into XXXX, and re-aged payment history even after my formal dispute in XX/XX/XXXX. 

The credit report contains contradictory information : closed at creditors request but still showing monthly CO notations, full balance marked as past due, and dispute coding missing or misused. 

These actions violate FCRA 1681e ( b ), 623 ( a ) ( 1 ) ( A ), 623 ( b ), 611 ( a ) ( 5 ), and 605 ( a ), and are supported by XXXX XXXX violations including improper status, field XXXX coding conflicts, and post-charge-off activity. 

Ive suffered financial and emotional harm and am requesting permanent deletion and cease & block of this account. Ive attached my Cease & Block Demand, Sworn Affidavit, Declaration of Harm, and Violation Summary.

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