vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: NJ

Complaint narrative:
Subject : Formal Complaint Inaccurate LatePayment Reporting on XXXX. Account I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX, partial account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite multiple written requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my dispute has been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

1.FCRA Violations 15U.S.C.1666b requires that creditors send periodic statements at least 21days before a payment due date. The 30daylate notation Equifax reports for XXXX indicates that either XXXX failed to meet this requirement or Equifax failed to verify the information. 

15U.S.C.1681i mandates that creditreporting agencies investigate disputed information and ensure maximum accuracy. My prior disputes were not properly investigated, as proven by the continued presence of this erroneous latepayment mark. 

2.TILA Violations TILA requires accurate and timely disclosures to consumers. The false latepayment record has damaged my creditworthiness and violates these disclosure standards. 

3.Protection Against NonPayment of Obligations Act ( PAANL ) This statute reinforces creditors duty to provide timely statements and protects consumers from unfair penalties. The disputed latepayment entry contradicts this protection. 

Report Details XXXX  - XXXX  - Equifax Balance {$0.00} - {$0.00} - {$0.00} Status Current / Open - Current / Open - 30DAY LATE ( XXXX ) Last Payment XXXX XX/XX/year> - Credit Limit {$7500.00} - {$7500.00} - {$7500.00} Payment History ( last 24mo. ) All XXXX  - All XXXX  - Single 30day late ( XXXX ) XXXX  and XXXX  both show an unbroken XXXX  history, confirming that Equifaxs lone 30daylate code is inaccurate. 

XXXX Desired Outcome Immediate removal of the XXXX 30daylate notation from my Equifax credit file. 

Written confirmation that the correction has been completed. 

If this issue is not resolved promptly, I will escalate the matter by : Filing additional complaints with the Federal Trade Commission ( FTC ), and my State Attorney General. 

Pursuing legal action for violations of FCRA and TILA. 

Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: NJ

Complaint narrative:
Subject : Formal Complaint Inaccurate LatePayment Reporting on XXXX. Account I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX, partial account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite multiple written requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my dispute has been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

1.FCRA Violations 15U.S.C.1666b requires that creditors send periodic statements at least 21days before a payment due date. The 30daylate notation Equifax reports for XXXX indicates that either XXXX failed to meet this requirement or Equifax failed to verify the information. 

15U.S.C.1681i mandates that creditreporting agencies investigate disputed information and ensure maximum accuracy. My prior disputes were not properly investigated, as proven by the continued presence of this erroneous latepayment mark. 

2.TILA Violations TILA requires accurate and timely disclosures to consumers. The false latepayment record has damaged my creditworthiness and violates these disclosure standards. 

3.Protection Against NonPayment of Obligations Act ( PAANL ) This statute reinforces creditors duty to provide timely statements and protects consumers from unfair penalties. The disputed latepayment entry contradicts this protection. 

Report Details XXXX  - XXXX  - Equifax Balance {$0.00} - {$0.00} - {$0.00} Status Current / Open - Current / Open - 30DAY LATE ( XXXX ) Last Payment XXXX XX/XX/year> - Credit Limit {$7500.00} - {$7500.00} - {$7500.00} Payment History ( last 24mo. ) All XXXX  - All XXXX  - Single 30day late ( XXXX ) XXXX  and XXXX  both show an unbroken XXXX  history, confirming that Equifaxs lone 30daylate code is inaccurate. 

XXXX Desired Outcome Immediate removal of the XXXX 30daylate notation from my Equifax credit file. 

Written confirmation that the correction has been completed. 

If this issue is not resolved promptly, I will escalate the matter by : Filing additional complaints with the Federal Trade Commission ( FTC ), and my State Attorney General. 

Pursuing legal action for violations of FCRA and TILA. 

Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
I noticed inconsistencies on my credit reports regarding my payment history XXXX XXXX  XXXX is reporting inaccurately on my credit reports. on my experian and XXXX  they reported my last payment date was XXXX XXXX And on my XXXX  it says my last payment date was XXXX XXXX On EXPERIAN they reported XXXX, XXXX, XXXX of XXXX  I had current on time payment but on my XXXX  they reported XXXX, XXXX, XXXX No data available EXPERIAN they also reported in XXXX and XXXX of XXXX  I had on time payment XXXX  they reported in XXXX of XXXX  30 days late and XXXX of XXXX  60 days late. 

These are indefinite inaccurate reports

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 2025-04-16 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: IL

Complaint narrative:
I noticed inconsistencies on my credit reports regarding my payment history XXXX XXXX  XXXX is reporting inaccurately on my credit reports. on my XXXX  and XXXX  they reported my last payment date was XXXX XXXX And on my Equifax it says my last payment date was XXXX XXXX On XXXX  they reported XXXX, XXXX, XXXX of XXXX  I had current on time payment but on my EQUIFAX they reported XXXX, XXXX, XXXX No data available XXXX  they also reported in XXXX and XXXX of XXXX  I had on time payment EQUIFAX they reported in XXXX of XXXX  30 days late and XXXX of XXXX  60 days late. 

These are indefinite inaccurate reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER XXXX USC XXXX C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX  XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : Unknown # XXXX * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX  XX/XX/XXXX Equifax XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I am writing in response to a collection notice I received from your company regarding an alleged debt. Please be advised that I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ).

I do not acknowledge or accept responsibility for this debt until you provide proper documentation proving the debt is valid and that I am legally obligated to pay it. Please send me the following : 1. A copy of the original signed agreement or contract 2. The name and address of the original creditor 3. A complete payment history, including the amount of the debt and any fees or interest added 4. Proof that you are legally authorized to collect this debt in my state XXXX. Documentation showing that this debt has not been the result of fraud or identity theft Until you provide this information, you must cease all collection efforts, including reporting this account to any credit reporting agencies. If this debt is currently listed on my credit report, please be advised that unverified or inaccurate information must be removed under FCRA Section 611.

If you fail to respond to this request within 30 days, or if you continue to pursue collection without providing verification, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please respond in writing to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
have reviewed my credit profile and noticed inquiries/ or collection that i have not given written Instruction to 3rd to report to my file. According to The FCRA this is in violation of 15 USC 1681b -PERMISSIBLE PURPOSE. Please understand that no consent is IDENTITY THEFT. 
LIST ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXXInquiries XXXX XXXX XXXXXXXXInquiries XXXX XXXX XXXXXXXX XXXXInquiries

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 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to make my scheduled $ 25 monthly payment to Linebarger Goggan Blair & Sampson LLP using my debit card. Despite multiple attempts, the online system continuously rejected the payment. As a result, I submitted a {$25.00} ACH payment instead and received an email confirmation that it was submitted successfully. 

I called XXXX and spoke to a representative who assured me that the ACH payment was pending and everything looked fine. Days later, I received another call stating that because there were three failed debit card attempts, my ACH payment was being rejected and I was no longer allowed to pay online. I was instructed to submit a money order at the courthouse, which I did on XX/XX/year>. 

Shortly after, I received another call stating I missed the XX/XX/XXXX payment and would be required to restart my payment plan and pay a new deposit. I do not believe this is fair. I acted in good faith, paid on time, followed all instructions, and even went out of my way to submit a payment in person. 

To further prove the issue was not with my card, I also have a {$25.00} payment plan with XXXX XXXX XXXX XXXX XXXX, and they successfully processed my debit card around the same time with no issue. 

As a XXXX XXXX XXXX, I should not be penalized for technical issues on your platform. I am requesting that my payment plan be reinstated and that no new deposit is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/scrub>XXXX XXXX XXXX and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XXXX XXXX XXXX but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Social Security Number : XXXX Date of Birth:XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXXB. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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 writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 


To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: PA

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, been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-16 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: GA

Complaint narrative:
Request for Removal of " Consumer Disputed '' Designation Dear Equifax and Experian Teams, I am writing to request the removal of the designation " consumer disputed '' associated with XXXX XXXX XXXX from my credit report. The presence of this designation has a severe impact on my credit profile and my ability to secure credit, loans, and other financial services. A " consumer disputed '' status can cause potential lenders to view me as a high-risk borrower, which may lead to unfavorable terms or outright denial of credit applications. I have diligently attempted to resolve this matter, but the ongoing designation continues to hinder my financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dear Federal Trade Commission, I am writing to dispute a debt collection listed on my credit report that I believe is inaccurate or invalid. The details are as follows : PORTFOLIO RECOVERY A AMOUNT - {$2400.00} I request verification of this debt and its removal if it can not be validated. Under the Fair Credit Reporting Act ( FCRA ), I also ask that any unverified information be promptly corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
FollowUp Dispute Verification Failure to Comply with FCRA & TILA ( XXXX evidence datedXX/XX/XXXX attached; please DELETE the Equifax accounts listed below ) Your last response stated the accounts below were verified as accurate. 
The attached screenshots show fresh, material conflicts that violate the Fair Credit Reporting Act ( FCRA ) 611, the Fair Credit Debt Reporting Act ( FCDRA ), and the Truth in Lending Act ( TILA ). 

# # 1Accounts to Be Deleted from Equifax 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 Inaccuracies Still Unresolved Balances & XXXX XXXX Equifax lists {$0.00} limits or balances that contradict the other CRAs ( e.g., XXXX XXXX $ XXXX vs. $ XXXX ). 

HighCredit & PastDue Dollaramount gaps of thousands ( XXXX high credit $ XXXX vs. $ XXXX ). 

LastReported / DateLastActive XXXX lastreported XXXX vs. XXXX. 

PaymentHistory Grids Equifax shows OK codes where the other bureaus display continuous CO ( chargeoff ) lines. 

Comment Codes Account previously in disputenow resolved by data furnisher ( XXXX, XXXX ) vs. Charged off as bad debt ( TU ). 


# # 3Legal Basis for Immediate Deletion 15U.S.C.1681i ( a ) ( 7 ) Equifax has not supplied the required written description of its investigation within 15days.

609 ( a ) ( 1 ) ( A ) Verification must rely on physical review of original signed contracts or chargeoff ledgers, not automated eOSCAR data. 

607 ( b ) Equifax has failed to follow reasonable procedures to assure maximum possible accuracy. 

1681i ( a ) ( 5 ) Information that can not be verified must be deleted. 

1681s2 ( a ) ( 1 ) ( A ) Furnishers must report only accurate data ; Equifaxs publication of conflicting figures facilitates their violation. 

TILA15U.S.C.1601 Credit disclosures must be truthful and transparent ; these tradelines fail that standard. 

# # 4Required Actions ( 15Day Deadline ) DELETE the six Equifax accounts unless you can produce : Original, fully executed credit agreements ; Complete payment histories & chargeoff worksheets ; Written certification from each furnisher attesting to accuracy. 

PROVIDE a full narrative of every verification step, naming each furnisher and contact person. 

ISSUE an updated Equifax credit report reflecting all deletions or corrections. 

# # 5Consequences of NonCompliance If Equifax fails to comply within 15calendar days, I will : File complaints with the FTC, and my State Attorney General. 

Seek statutory damages up to {$1000.00} per violation under 15U.S.C.1681n and actual damages under 1681o. 

Pursue civil action for defamation, negligence, and willful noncompliance. 

Thank you for your immediate attention. I expect written confirmation within the timeframe mandated by law.

Company response to consumer: Closed with non-monetary relief