vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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:
XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.

Dispute 3 Account Number : XXXX Account Name : DEPT OF EDXXXX Type of disputed information XXXX XXXX XXXX  Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 4 Account Number : XXXX Account Name : DEPT OF ED/XXXX Type of disputed information : student loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 5 Account Number : XXXX Account Name : XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 6 Account Number : XXXX Account Name : XXXX  Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

HARD INQUIRIES : Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Thank you for your assistance 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 explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MO

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-03-01 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: CA

Complaint narrative:
I am so exhausted I've been trying to correct things with Experian, TransUnion and Equifax but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. please help me as these aren't my 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Navy Fcu XXXX XX/XX/XXXX XXXX NAVY fcu XXXX XXXX XXXX XXXX XXXX XXXXk XX/XX/XXXX Navy Fcu Finance XX/XX/XXXX Navy Fcu Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
15 U.S. Code 1692 c Account is OPEN and no validation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Subject : Formal Dispute & Demand for Deletion of Obsolete Reporting Under FCRA & Metro 2 Compliance Dear Consumer Solutions I am formally disputing the reporting of the following account under 15 U.S.C. 1681c ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance guidelines. This account is obsolete and must be immediately removed from my credit report. 

Disputed Account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed. 

Status Updated : XX/XX/XXXX On Record Since : XXXX Reported Collection Date : XX/XX/XXXX ISSUES WITH REPORTING & LEGAL VIOLATIONS : 1. Obsolete Account Exceeds XXXX Reporting Limit FCRA 1681c ( a ) ( 4 ) mandates that collection accounts can not be reported beyond XXXX years from the original delinquency date. 

The date of delinquency is from XXXX, which means the latest permissible reporting date was in XXXX. Keeping this account on record beyond that period is a clear violation of federal law. 



2. Metro 2 Compliance Violation Improper Collection Reporting Per Metro 2 guidelines, a " Paid, Closed '' account should not have an active " Collection '' status. 

The account is reported as a collection as of XX/XX/XXXX, which misrepresents the true status of the account and creates an unfair negative impact.

3. Failure to Provide Proper Verification Under 15 U.S.C. 1681i ( a ) ( 7 ) The furnisher must provide complete verification records, including the original delinquency date and proof of accuracy.

If they fail to verify this account with complete documentation, per FCRA 1681i ( a ) ( 5 ) ( A ), this account must be permanently deleted.

DEMAND FOR REMOVAL : Under FCRA 1681c ( a ) ( 4 ) & Metro 2 Compliance, I am demanding the immediate removal of this account from my credit file for being obsolete and inaccurately reported. If the item can not be fully verified with the correct original delinquency date, it must be deleted immediately under FCRA 1681i ( a ) ( 5 ) ( A ).

DEMAND FOR RESPONSE : You are legally required to respond within 30 days under FCRA 1681i ( a ) ( 1 ). If this account is not removed, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Report this violation to the Federal Trade Commission ( FTC ) and my State Attorney General.

Pursue legal action for noncompliance and damages under FCRA 1681n & 1681o.

Please send all correspondence regarding this matter to my address above. 

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 2025-03-01 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Subject : Formal Dispute & Demand for Deletion of Obsolete Reporting Under FCRA & Metro 2 Compliance Dear Consumer Solutions I am formally disputing the reporting of the following account under 15 U.S.C. 1681c ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance guidelines. This account is obsolete and must be immediately removed from my credit report. 

Disputed Account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed. 

Status Updated : XX/XX/XXXX On Record Since : XXXX Reported Collection Date : XX/XX/XXXX ISSUES WITH REPORTING & LEGAL VIOLATIONS : 1. Obsolete Account Exceeds XXXX Reporting Limit FCRA 1681c ( a ) ( 4 ) mandates that collection accounts can not be reported beyond XXXX years from the original delinquency date. 

The date of delinquency is from XXXX, which means the latest permissible reporting date was in XXXX. Keeping this account on record beyond that period is a clear violation of federal law. 



2. Metro 2 Compliance Violation Improper Collection Reporting Per Metro 2 guidelines, a " Paid, Closed '' account should not have an active " Collection '' status. 

The account is reported as a collection as of XX/XX/XXXX, which misrepresents the true status of the account and creates an unfair negative impact.

3. Failure to Provide Proper Verification Under 15 U.S.C. 1681i ( a ) ( 7 ) The furnisher must provide complete verification records, including the original delinquency date and proof of accuracy.

If they fail to verify this account with complete documentation, per FCRA 1681i ( a ) ( 5 ) ( A ), this account must be permanently deleted.

DEMAND FOR REMOVAL : Under FCRA 1681c ( a ) ( 4 ) & Metro 2 Compliance, I am demanding the immediate removal of this account from my credit file for being obsolete and inaccurately reported. If the item can not be fully verified with the correct original delinquency date, it must be deleted immediately under FCRA 1681i ( a ) ( 5 ) ( A ).

DEMAND FOR RESPONSE : You are legally required to respond within 30 days under FCRA 1681i ( a ) ( 1 ). If this account is not removed, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Report this violation to the Federal Trade Commission ( FTC ) and my State Attorney General.

Pursue legal action for noncompliance and damages under FCRA 1681n & 1681o.

Please send all correspondence regarding this matter to my address above. 

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 explanation
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
I sold my company XXXX in XXXX of 2021 and as part of the sale of the company the acquiring company moved 2 credit cards into their ownership, notified XXXX XXXX and XXXX XXXX. The acquiring company had a problem with payment on both accounts and effected my personal credit after the accounts were moved. Both XXXX XXXX and XXXX XXXX both are still showing on my personal credit report when these are not owned by me. 

I am constantly sending disputes in with supporting documentation to the credit bureaus along with XXXX XXXXXXXX and XXXX XXXX. I've attached the documents pertaining to the sale of my company. 

I've even gone as far as sending emails to supervisors and executives, including the CEO of XXXX XXXX and XXXX XXXX! 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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 sold my company XXXX in XXXX of 2021 and as part of the sale of the company the acquiring company moved 2 credit cards into their ownership, notified XXXX XXXX and XXXX XXXX. The acquiring company had a problem with payment on both accounts and effected my personal credit after the accounts were moved. Both XXXX XXXX and XXXX XXXX both are still showing on my personal credit report when these are not owned by me. 

I am constantly sending disputes in with supporting documentation to the credit bureaus along with XXXX XXXXXXXX and XXXX XXXX. I've attached the documents pertaining to the sale of my company. 

I've even gone as far as sending emails to supervisors and executives, including the CEO of XXXX XXXX and XXXX XXXX! 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL 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 2025-03-01 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: WV

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have two issues to report. 

First, I noticed two accounts on my credit report with XXXX. You removed one account, but the other XXXX account is still pending. As a result, my credit score hasnt changed. When you removed XXXX account from my credit file, my credit score should have increased, but its still the same. I expect my credit score to improve when something is deleted from my credit report, & plus when two hard inquiries were deleted is still same as-well. However, my credit score remains unchanged.

Second, I may have opened an XXXX XXXX XXXX  profile but they reported in my credit file without my permission. As a result, my credit score has decreased by three points. I never authorized them to open an account in my name only authorized for a profile. I want this account deleted and my three points restored. I contacted XXXX and closed down the account, but Im concerned that this may further damage my credit score. I just want my credit score back to what it was before I opened the account.

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 2025-03-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC

Complaint narrative:
XXXX XXXX XXXX on XX/XX/scrub>, 2024. He had to go through his belongings to find out who the mortgage was through. We paid the home owners ins. and flood went to paid the property taxes but the mortgage company had already paid them before they were delinquent. They told us the only way we could pay the money back was to enter a repayment agreement which they never sent despite 5 0r 6 request on the phone and several faxes sent to XXXX and Carrington Mortgage. The next thing was a call from some appraisal company requesting to have the property appraised which we refused. We later found out that the property was up for foreclosure even though we had not received any notice of a foreclosure proceeding. After much research I found out the the original holder of the XXXX, XXXX sold the mortgage to XXXX and XXXX off of these reverse mortgage companies have had several complaints against them for false advertising to the Elderly inducing them into these reverse mortgages and then adding unlawful fees to the mortgage and inflating the loan balances to foreclose on the property. These events are word for word what happened to my parents. XXXX has enter the class action lawsuit against XXXX and XXXX for ill practices against elderly mortgage holders who fell for these reverse mortgages. Also XXXX has been cited by this Bureau for false advertising and other bad faith actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Credit line was opened and used XXXX time. After just having XXXX XXXX in XXXX, I got behind opening mail. Realized I was late making first payment for XXXX XXXXs acct. Set up account and paid in full, not just minimum payment due. Sent secure message to customer service explaining the mistake an asking for refund of fees as it was only paid XXXX days late and had paid in full including finance charge. They refunded late fee but only by half starting get refunded the late fee. Late fee is XXXX $ they refunded XXXX $ only. Have been emailing comenity bank thru carters and they won't refund full amount but are stating they credited the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-01 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XX/XX/year> To : ( CFPB ) Consumer Financial Protection Bureau XXXX : Formal Dispute Regarding Inaccurate Information On my Credit Report Dear, CFPB I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a formal investigation into these inaccuracies, as required by federal law Recently the Consumer Financial Protection Bureau filed a lawsuit against XXXX for their failure to properly investigate consumer disputed, citing XXXX XXXX and other harmful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that may be mishandled in a similar manor. 
Please review the inaccurate information being reported. 
XXXX. Under the FCRA, you are required to conduct a proper investigation into my dispute XXXX. Inform me of the results if the investigation XXXX. Ensure the accuracy of the information If the investigation concludes that the information can not be verified or remain inaccurate, I request the immediate removal or correction of this information from my credit report Furthermore, I request written confirmation of the actions you take in response to this dispute. 
I look forward to your response Thank you for addressing this matter promptly Sincerely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
I settled on this debt with Continental Finance. It is still showing on my credit reports as opened ( on XXXX ), or closed ( on XXXX XXXX ) with no mention of the fact that its been settled and paid on per the settlement agreent they offered. Today is XX/XX/XXXX. The last settlement payment was made XX/XX/XXXX. They still havent updated it to the credit bureaus.

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