vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: MO

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$600.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$660.00} - Account # : XXXXXXXX XXXX XXXX XXXX - Balance : {$3900.00} - Account # : XXXXXXXX XXXX XXXX XXXX - Balance : {$4000.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: MO

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$600.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$660.00} - Account # : XXXXXXXX XXXX XXXX XXXX - Balance : {$3900.00} - Account # : XXXXXXXX XXXX XXXX XXXX - Balance : {$4000.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX * * * * Balance Owed : {$260.00} XXXXXXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1400.00} XXXX XXXX * Balance Owed : {$8900.00} XXXX XXXX XXXX  * * * * * * * * * * Balance Owed : {$1100.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$450.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$1400.00} 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 XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because Equifax continues to report a collection account ( XXXX XXXX XXXX, Account No. XXXX ) despite clear violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and UDAAP standards. 

I filed a dispute directly with Equifax, and the item was marked as " verified. '' However, Equifax relied on an automated process ( e-OSCAR ) without reviewing any actual documentation, in violation of 15 U.S.C. 1681i ( a ). My dispute was later improperly labeled as " frivolous '', denying my right to reinvestigation under 1681XXXX ( a ) ( XXXX ) ( B ). 

Additionally, the debt collector, XXXX XXXX XXXX, has admitted in writing that : They are a third-party collector only. 

They did not originate the charges. 

They do not possess a signed contract. 

They can not provide contact information for the original creditor ( The Vines Apartments ). 

Any supporting agreements are private and not available for public or consumer review. 

These admissions confirm that no legally valid verification or validation exists, violating : FCRA 1681e ( b ), 1681s-2 ( b ), 1681c ( a ), 1681i ( a ) ( 7 ) FDCPA 809 ( b ) / 15 U.S.C. 1692g ( b ) And the prohibition against unfair and deceptive acts under UDAAP.

Despite this, Equifax continues to report the account as valid, causing harm to my credit standing and financial access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXXXXXX BALANCED {$9000.00} XXXX XXXX XXXXXXXX BALANCED {$800.00} XXXX XXXX XXXX BALANCED {$540.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$3100.00} XXXX  XXXX BALANCED {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX  XXXX. The presence of a negative balance on a " written off '' account is confusing please explain this inconsistency. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Unable to justify the " write-off '' with a negative balance? Please delete the account. 

2. It is essential for us to understand the procedure you follow in recording a balance that is reported as both charged-off and overdue. 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  If validating the particulars of this account is not possible, it becomes your immediate obligation to halt its reporting. 

3. The agreement was that post-payment the account would be closed it remains open against that agreement. 
CAPITAL ONE Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Proceed with the account 's deletion in line with the original creditor 's agreement upon payment. 

4. Payment has been made with the understanding the account would be closed we see it has not been done. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  The account must be deleted as per the original agreement, which was breached by not closing post-payment. 

5. An account with a negative balance being " written off '' is contradictory can you clarify XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Should the " written off '' classification with an overdue balance be unexplained, the account must be expunged. 

6. The agreement was that post-payment the account would be closed it remains open against that agreement. 
CAPITAL ONE Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Proceed with the account 's deletion in line with the original creditor 's agreement upon payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Funding Metrics LLC
State: FL

Complaint narrative:
Funding Metrics, LLC, operating as XXXX XXXX XXXX XXXX XXXX ), has falsely claimed to represent XXXX XXXX XXXX XXXX XXXX an inactive company, and sent a fraudulent demand letter asserting that our company, XXXX XXXX , owes {$6600.00}. XXXX XXXX, also inactive, has never engaged with Funding Metrics or its services, and none of our companys information appears in their correspondence. Despite this, Funding Metrics threatens to file a lien and lawsuit against us, a baseless attempt to extort funds. 

This predatory scheme targets inactive companies, leveraging fabricated claims to demand immediate payment of alleged debts. The letters, signed by attorney XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, falsely assert legal obligations and liens, exploiting dormant entities like XXXX XXXX and XXXX XXXX XXXX XXXX Funding Metrics history of aggressive tactics, including unauthorized debits and deceptive agreements ( as noted in customer complaints and legal actions ), underscores their fraudulent intent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX  - Balance : {$2500.00} - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$9300.00} - Account # : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} - Account # : XXXX XXXX XXXX Balance : {$6000.00} - Account # : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} - Account # : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXXXXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX  - Balance : {$2500.00} - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$9300.00} - Account # : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} - Account # : XXXX XXXX XXXX Balance : {$6000.00} - Account # : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} - Account # : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXXXXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX Account Number : XXXX Balance : {$2200.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXXXXXX XXXX XXXX' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. 
Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: Kovo
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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 state consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
Myself and my wife signed a contract to buy 6 windows from XXXX XXXX XXXX. They use a 3rd party financing company titled Service Finance Company LLC. After running her credit, it wasn't good enough for her to get the 3 % interest rate. Instead it jumped to 12.9 %. After we were iffy... the guy stated that he could get the finance company help us. After a few calls he stated the we were approved. Again we were skeptical because there was no proof of employment needed. We asked and he stated that they ( Service Finance Company LLC ) took the company at their word. 3 days later, after reading every page of the contract we found the the agent had inflated my wife 's incomes by nearly XXXX dollars. No longer wanting to go through with this contract, we called the finance company to ask about no proof of income and and documentation submitted by XXXX XXXX XXXX and was told that we would have to talk to XXXX and not to call again

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