vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file.

I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : ( List Account Names & Numbers ) XXXX XXXX XXXXXXXX Equifax LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer. 

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. 
Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation.

If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP
State: CA

Complaint narrative:
I wanted to receive my XXXX benefits for being XXXX XXXX. Given I am an XXXX XXXX service member under the SCRA I shouldnt be charged more than XXXX  % by federal law. The credit card company has not been helpful with providing me the guidance to achieve this goal of lowering my monthly interest rate with reimbursement that I have paid in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MI

Complaint narrative:
Experian still refuses to fixed the problem! Ive sent direct fair credit statements an still has not resolved the problem, they had reported my XXXX  XXXX account twice on my credit report which I only had one account from 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 2025-06-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-11 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:
This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-11 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:
This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2025-06-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern,\nRE: Violation of Federal Billing Laws  TILA (15 U.S. Code  1666(b))\nSubject: Dispute of Late Payment Reporting Due to Billing Errors\n\n\nI am writing to formally dispute several late payments listed on my credit report in connection with the following accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\n\nUpon review of my consumer report, I discovered entries that appear to violate 15 U.S. Code  1666(b), which addresses billing errors, including:\n\nThe creditors failure to properly reflect a payment made or credit issued to me.\nAn accounting or computation error on the billing statement.\n\n\nAdditionally, under the Truth in Lending Act (TILA), creditors are required to provide a billing statement at least 21 days before the due date of a payment. To the best of my knowledge, this did not occur. Therefore, the late payment entries are not only incorrect, but also unlawful.\n\nI am requesting an immediate investigation and demand the following:\n\nVerification of the late payment with complete, timestamped documentation.\nCorrection or removal of all inaccurately reported late payments.If verification cannot be provided, these accounts must be updated to reflect Paid as Agreed or removed entirely from my credit report. These are clear billing errors as defined by law, and failure to correct them violates my rights under the Fair Credit Reporting Act and TILA.\n\nIf the inaccurate information is not removed or corrected, I am prepared to seek monetary damages for negligent noncompliance under 15 U.S. Code  1681n (Civil Liability).\n\nPlease consider this your opportunity to resolve this matter swiftly. I expect confirmation of investigation and action taken within 30 days of receipt of this letter.\n\nSincerely,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 2025-06-11 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Subject : Rebuttal to Inadequate Debt Validation Kimball , Tirey & St. John LLP / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear CFPB & Responding Party, This serves as a formal rebuttal to the response submitted by Kimball , Tirey & St. John LLP regarding the disputed debt allegedly related to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$43000.00}. The firms response is legally insufficient and fails to meet the requirements for debt validation under the FDCPA ( 15 U.S.C. 1692g ) and proper reinvestigation under the FCRA ( 15 U.S.C. 1681i and 1681s-2 ( b ) ).

I have never received proper validation of this debt What was provided is a generic template letter not evidence. There is no signed contract, lease agreement, billing ledger, or legal assignment linking me to this alleged obligation. Sending a form response or a computer-generated balance summary does not satisfy FDCPA 809 ( b ) or established case law.

Debt collectors must provide sufficient detail to allow the consumer to assess the validity of the debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Verification requires more than the collectors say-so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Without : A signed agreement showing I owe this debt, A full itemization of all charges, fees, penalties, A chain of assignment from the original creditor to the law firm, A Forward Flow Agreement, or similar legal document proving authority, this firm can not lawfully collect or report this debt. 

Violations Committed : FDCPA 809 ( b ) : Failure to produce legally required validation ; FCRA 1681e ( b ) : Furnishing inaccurate or unverifiable information to CRAs ; FCRA 611 ( a ) ( 1 ) ( A ) : Inadequate reinvestigation of disputed information ; FCRA 1681s-2 ( b ) : Failure to delete unverifiable tradeline after dispute ; FDCPA 807 ( 2 ) ( A ) : Misrepresentation of legal status of debt ; FDCPA 813 / FCRA 1681n : Entitles consumer to damages for noncompliance. 

Demand for Corrective Action : I am demanding the following : Immediate deletion of this tradeline from all credit bureaus ; Cease all collection activity unless and until full legal validation is provided ; Written confirmation that this alleged debt will not be sold, reassigned, or re-reported.

Failure to comply within 15 days will result in further action, including complaints to the FTC, California Attorney General, XXXX XXXX, and pursuit of damages under the FDCPA and FCRA. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
This is a formal notice that the accounts detailed below were opened fraudulently and without my authorization. These are not legitimate credit obligations of mine. Pursuant to 15 U.S.C. 1681g, I request their prompt deletion within 15 days. I have attached supporting materials for verification.

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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX I apply for a capital, one secure card and upon being approved? I was asked to forward over a copy of my I. D to prove my identity then. Once that occurred a week later, I was asked to submit a security deposit which was done in the amount of {$500.00} and it took the security deposit 7 days to clear from the bank on the automated clearing house system. So as soon as the card is funded and approved and everything is prepared for them to send me out a card. Apparently the fraud department puts a restriction to the account, stating that they need to verify that. I am the person who opened app the account. But I believe that since I'm dealing with one company that if I have already provided them with a copy of the I. D, then why would they ask me for another one? The issue that I'm having is they still have the account on restriction. Meaning they are holding the money that I put to the card and each day that I call in after I have submitted the I. D again to them twice, their only answer is that they are waiting for a person in the back office to assess the documents that I have provided. And they will provide me with an update within 1 to 10 business days, that is. Absurd, absurd and and the issue comes in because. 
Again? I applied on the XXXX of XXXX. Here is almost the XXXX of XXXX. Before I applied, they never said anything about it would take a whole month to get this process taken care of I think that the fraud department is doing a unlawful a restriction. Something that they are not providing me their credit. Towards I've done the deposit on my own. So basically I'm lending them the money to give to me on a card that I pay on every month to build the credit. So I don't think that they have the right to hold that money as if it belongs to them. So what I'm asking for help from you. Guys is to help get that restriction lifted. Because again it does not make sense. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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