vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Upstart loan, provided a contract with an electronics signature for a loan for {$1500.00} I did not take out. My ex husband may of done this but I was separated, did not have anyone with power of attorney, I was XXXX XXXX military at the time, and had no knowledge of the loan. Now a layer wants to sue me for the debt.

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 2025-01-31 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: MI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-31 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
opened XX/XX/year> fair credit collections and outtsourci 15usc 1681B you may not put anything on my credit report without my permission 15usc 1681A ( 4 ) i have the right to all privacy

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 2025-01-31 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting and Demand for Compliance To Whom It May Concern, I am formally disputing the inaccurate reporting of accounts listed on my credit report under 15 U.S.C. 1681s-2, which mandates the accurate and verifiable reporting of consumer information. 

The accounts in question : Account Name : XXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX  These accounts are erroneously reporting a balance despite being charged off. If these debts were truly written off, continued reporting of a balance is both inaccurate and misleading, violating the Fair Credit Reporting Act ( FCRA ). 

Additionally, under IRS guidelines ( 26 U.S.C. 6050P ), a creditor that cancels a debt exceeding {$600.00} is required to issue a 1099-C form to the borrower and report the cancellation to the IRS. I have not received a 1099-C form for either account, raising concerns about the creditors ' compliance with federal tax laws. Failure to issue a 1099-C form may constitute non-compliance, which I have the right to report to the IRS.

I formally demand the following actions : Provision of the 1099-C Form If these debts were charged off or written off, provide copies of the 1099-C forms for my records.

Verification of the Balance Provide documented proof of the current and accurate balance, along with records of any collection activity.

Permanent Deletion of the Accounts If the debts have been canceled, unverified, or inaccurately reported, I demand immediate removal from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA.

Failure to comply within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) for potential violations of the FCRA ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and IRS tax reporting requirements.

This matter requires immediate resolution. Please respond promptly to avoid further regulatory scrutiny. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this dispute regarding the following negative items on my credit report : XXXX - XXXX - {$8600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX Address XXXX es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities.

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX. 

I request that my name be updated to reflect the correct information. 


XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. Wrong Date of Birth : 1971 My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-01-31 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
RoundPoint Mortgage bought my loan in XXXX of XXXX, it was previously with XXXX. XXXX had been on Auto Draft for several years until they sold the note. In XXXX I was made aware that the account had been sold and in XXXX of XXXX I started making payments on the XXXX. In XXXX of XXXX I noticed that that RoundPoint had dinged my credit as being over 30 days late. The are claimed that the XXXX Payment that I had made made on the XXXX was applied to the XXXX Payment, although per my records I have already paid XXXX to XXXX. Upon review XXXX did return my last payment via ACH but I did not notice this until XXXX when I was investigating the issue on my Credit Report. Since XXXX I have made timely payments every month to RoundPoint both before and after they reported negatively on my Credit. I have attempted to work with RoundPoint for 6 months to attempt to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX  / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear XXXX  I am writing to formally request that you stop sharing my personal and financial information with non-affiliated third parties, as permitted under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). I do not consent to the sharing of my information beyond what is legally required for account servicing and compliance purposes.

Please update your records to reflect my opt-out request and confirm in writing that my information will no longer be shared with unauthorized third parties. If my information has been shared without proper notice or consent, I request an explanation and immediate corrective action. 

Thank you for your prompt attention to this matter. Please provide written confirmation of this request within 30 days. If you need any additional information, feel free to contact me at the details 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 2025-01-31 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:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, TransUnion, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, TransUnion, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
I have tried numerous times on Experian, XXXX and XXXX to fix my credit information but it has not corrected

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request that you investigate this matter and remove or correct the disputed information as soon as possible under the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation of your findings and any updates to my credit report.

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 2025-01-31 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX XXXX due to the account being inaccurate. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of bettering my family. Experian violates my rights as a consumer, as well as federal laws.

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 2025-01-31 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: GA

Complaint narrative:
there are XXXX fraudulent accounts on my credit reports XXXX XXXX XXXX XXXX  XXXX and XXXXXXXX XXXX XXXX XXXX, i did not open these accounts, these accounts were open woth out my knowledge XXXX XXXX XXXX XXXX  XXXX  original creditor this is not my acocunt this was open with out my knowledge and Equifax has had a severe data breach, which was leaked on thr dark web XXXX XXXX  was open up during the pandemic, my information was used with out my knowledge and this account is fraudulent, i want this account removed off my credit report, i did not open this account period rhey are failing to see how much information i have reported XXXX XXXX XXXX XXXX has open this acount aslo during the pandemic, my information was leaked because of data breach caused by XXXX and XXXX  XXXX  please remove this account it is fraudulent this account is not mine

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