vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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:
XX/XX/year> Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they XXXX no longer be valid according to the law. 

Legal Basis : 15 U.S.C. 1681c ( a ) XXXX Limitations on XXXX of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report. 

( XXXX ) In general. A consumer reporting agency XXXX not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. 

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than XXXX years. 

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after XXXX years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
XX/XX/year> Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report. 

( XXXX ) In general. A consumer reporting agency XXXX not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. 

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than XXXX years. 

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after XXXX years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
Experian 's Failure to Comply with the Fair Credit Reporting Act ( FCRA ) Complaint Details : Failure to Conduct a Proper Investigation : On, XX/XX/2024 I disputed six ( 6 ) accounts with Experian and requested verification of these accounts. 

Experian 's response was inadequate and failed to verify the disputed accounts as required under Section 611 of the FCRA. 

There was no reasonable investigation conducted, and Experian failed to provide any supporting documentation or evidence to verify the accounts ' accuracy. 

Failure to Delete Unverifiable Accounts : Per the FCRA, when a credit reporting agency can not verify the accuracy of disputed accounts within the statutory timeframe ( 30 days, or 45 days if additional information is provided ), the accounts must be corrected or deleted from the consumer 's credit file. 

Despite Experian 's failure to verify the accounts, all six ( XXXX ) accounts remained on my credit report, constituting a direct violation of the FCRA. 

Improper Reopening of the Investigation : After filing a complaint with the CFPB, Experian reopened the investigation into the same accounts, including the XXXX  XXXX Bankruptcy Petition. This action does not remedy their initial failure to delete the unverifiable accounts. 

Specifically, for the XXXX  XXXX Bankruptcy Petition, Experian initiated a new dispute, which further demonstrates their failure to properly address the original dispute and their disregard for consumer rights. 

This reopening appears to be an attempt to circumvent their legal obligation to delete accounts that could not be verified in the original investigation, further demonstrating Experian 's disregard for consumer protection laws. 

Evidence of Systemic Noncompliance : The attached evidence includes a screenshot of an unresolved dispute for a XXXX  XXXX bankruptcy petition, showing that Experian failed to conduct a proper investigation or provide any verification, and instead initiated a new dispute to mask their failure. 

My experience aligns with a broader pattern of Experians failure to conduct proper investigations, as highlighted in ongoing CFPB enforcement actions against Experian.

This complaint serves as additional evidence of Experians systemic noncompliance with FCRA requirements and supports the CFPB 's lawsuit against them. 

Harm and Damages : Experians actions have caused material harm to my financial reputation and credit standing by reporting unverifiable and inaccurate information.

I am seeking {$1000.00} in statutory damages for each of the six ( 6 ) accounts, totaling {$6000.00}, as permitted under the FCRA for willful noncompliance.

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 2025-01-10 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:
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. 


Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX XXXX XXXXXXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-01-10 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: 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. 


Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account XXXX : XXXX XXXX XXXXXXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX 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 XXXX 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 2025-01-10 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: MD

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 non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear XXXX XXXX XXXX, I am responding to your communication about a debt youre trying to collect. 
Please send the following information : The name and address of the original creditor, the account number and the amount owed Verification that there is a valid basis for claiming I am required to pay the current amount owed Details about the age and amount of the debt including a copy of the last billing statement from the original creditor A detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest The date the original creditor claims this debt became delinquent Whether this debt is within the statute of limitations and how that was determined Please also forward details about your authority to collect this debt : Include whether you are licensed in my state, and if so, provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
Thank you for your cooperation.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear XXXX XXXX XXXX, I am responding to your communication about a debt youre trying to collect. 
Please send the following information : The name and address of the original creditor, the account number and the amount owed Verification that there is a valid basis for claiming I am required to pay the current amount owed Details about the age and amount of the debt including a copy of the last billing statement from the original creditor A detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest The date the original creditor claims this debt became delinquent Whether this debt is within the statute of limitations and how that was determined Please also forward details about your authority to collect this debt : Include whether you are licensed in my state, and if so, provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX - XXXX - {$1200.00} Inquiry XXXX XXXX XXXX XX/XX/year> Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear XXXX XXXX XXXX, I am responding to your communication about a debt youre trying to collect. 
Please send the following information : The name and address of the original creditor, the account number and the amount owed Verification that there is a valid basis for claiming I am required to pay the current amount owed Details about the age and amount of the debt including a copy of the last billing statement from the original creditor A detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest The date the original creditor claims this debt became delinquent Whether this debt is within the statute of limitations and how that was determined Please also forward details about your authority to collect this debt : Include whether you are licensed in my state, and if so, provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
Thank you for your cooperation.

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
XX/XX/2025 Credence Resource Mana XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Credence Resource Mana, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief