vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Per Equifax and TransUnion has reported an account that was charged off with XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX of {$1800.00}. I was never given the XXXXXXXX XXXX to report the income on my XXXX tax return. 
I've attached the same document I've used to send them to show proof minus my divorce decree which was sent certified mail along with the letter I sent XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Request for Debt Validation and Removal from Credit Report Dear XXXX XXXX  XXXX  XXXX  I am writing to formally request the validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please provide the following information to validate this debt : {$190.00} The amount of the alleged debt and a detailed breakdown of how it was calculated. 
The name of the original creditor to whom the debt is owed, along with the date the debt was incurred. 
Documentation or records showing that I am legally obligated to pay this debt, including any signed agreements, contracts, or statements. 
Verification that this debt has been reported to the credit bureaus in my name and any documentation supporting the accuracy of this claim. 
As required by law, please provide this validation within XXXX days of receiving this letter. If you are unable to provide the required validation within this time frame, I request that you remove the associated debt from my credit report and cease any further collection efforts. 
Furthermore, if you are unable to validate the debt as per the FCRA and FDCPA, I demand that you immediately notify the credit reporting agencies to remove this entry from my credit report. 
Please note that any failure to provide proper validation or failure to remove the debt from my credit report will be considered a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to file a dispute with the credit bureaus and consider legal action if necessary. 
I look forward to receiving your response within the legally mandated XXXXday period. 
Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After being denied a credit card from XXXX XXXX. I pulled my consumer report which show inaccurate and adverse information being reported as XXXXXXXX XXXX XXXX XXXXXXXX was charged off XX/XX/year> {$480.00}. I was never provided this information to claim the income on my tax return which I will need to make amend.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: AL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: DE

Complaint narrative:
I am writing to formally dispute the inaccurate and incomplete information regarding my credit report, as provided by XXXX XXXX. Upon review of my credit report, I have identified certain items that are either incomplete, inaccurate, or not substantiated by proper documentation. I am requesting that these items be thoroughly investigated and removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following items are being disputed : XXXX XXXX. XXXX claimed I have been late 30 days in XXXX and XXXX of XXXX. I have checked my account on their actual website and see that payments havent been 30 days late. If payments were late, the creditor failed to properly notify me. This is violating the Truth In Lending ( TILA ) if proper billing procedures were not followed. 

I would like to bring to your attention the legal obligation under Section 1681i of the Fair Credit Reporting Act, which requires credit reporting agencies to conduct a reasonable investigation into disputed information. This investigation must be completed within 30 days, and if the information can not be verified, it must be removed from the report. In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court held that if the credit reporting agency fails to properly investigate disputed items, they are in violation of the FCRA and must remove the inaccurate information from the report. 

Additionally, I would like to highlight XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court ruled that incomplete or inaccurate reporting of credit information violates the FCRA. Therefore, I request that you remove any inaccurate or incomplete information from my credit report, as it does not meet the standards set by the FCRA. 

I am respectfully requesting that this late payment be removed from my credit report as it is inaccurate and potentially damaging to my creditworthiness. 

Please confirm the removal of the disputed items or provide a detailed explanation as to why the information is correct within the 30-day time frame. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
the accounts below are all paid already but i noticed that the reports are different throughout the months of them being open. Which could have been hacked without noticing even the balances XXXX  Account ( XXXX ) XXXX  XXXX account : ( XXXX & XXXX ) XXXX XXXX XXXX XXXX XXXX account ( XXXX ) XXXX  account ( XXXX ) XXXX  account ( XXXX ) these last three accounts i dont recognize at all XXXX Account ( XXXX ) XXXX Account ( XXXX ) XXXX XXXX Account ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GLA Collection Company, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the reporting of a medical debt on my credit report, as it is a clear violation of the recent amendments to Regulation V under the Fair Credit Reporting Act ( FCRA ). The CFPB 's final rule in XX/XX/XXXX prohibits the inclusion of medical bills on consumer credit reports. Therefore, this information must be immediately removed. 

Details of the Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Medical Debt : XX/XX/XXXX Amount : {$720.00} According to the amendments to Regulation V finalized by the CFPB in XX/XX/XXXX, medical debts can no longer be included on consumer credit reports. The amendment was specifically designed to prevent medical bills from unfairly affecting consumers ' creditworthiness. 
By continuing to report this medical debt, your agency is not only violating the Fair Credit Reporting Act ( FCRA ) but also the updated Regulation V requirements. 
Requested Action : I respectfully request that you : 1. Immediately remove the medical debt from my credit report in compliance with Regulation V as amended. 2. Conduct a reinvestigation of this account and provide a written response confirming the deletion of the disputed information.

3. Send me an updated copy of my credit report reflecting these changes.

Please consider this letter as a formal dispute under the FCRA and the updated Regulation V. I expect a response within the 30-day period as required by law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the reporting of a medical debt on my credit report, as it is a clear violation of the recent amendments to Regulation V under the Fair Credit Reporting Act ( FCRA ). The CFPB 's final rule in XX/XX/XXXX prohibits the inclusion of medical bills on consumer credit reports. Therefore, this information must be immediately removed. 

Details of the Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Medical Debt : XX/XX/XXXX Amount : {$720.00} According to the amendments to Regulation V finalized by the CFPB in XX/XX/XXXX, medical debts can no longer be included on consumer credit reports. The amendment was specifically designed to prevent medical bills from unfairly affecting consumers ' creditworthiness. 
By continuing to report this medical debt, your agency is not only violating the Fair Credit Reporting Act ( FCRA ) but also the updated Regulation V requirements. 
Requested Action : I respectfully request that you : XXXX. Immediately remove the medical debt from my credit report in compliance with Regulation V as amended. 
XXXX. XXXX a reinvestigation of this account and provide a written response confirming the deletion of the disputed information. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Please consider this letter as a formal dispute under the FCRA and the updated Regulation V. I expect a response within the 30-day period as required by 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 2025-03-09 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 writing to formally dispute the reporting of a medical debt on my credit report, as it is a clear violation of the recent amendments to Regulation V under the Fair Credit Reporting Act ( FCRA ). The CFPB 's final rule in XX/XX/XXXX prohibits the inclusion of medical bills on consumer credit reports. Therefore, this information must be immediately removed. 

Details of the Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Medical Debt : XX/XX/XXXX Amount : {$720.00} According to the amendments to Regulation V finalized by the CFPB in XX/XX/XXXX, medical debts can no longer be included on consumer credit reports. The amendment was specifically designed to prevent medical bills from unfairly affecting consumers ' creditworthiness. 
By continuing to report this medical debt, your agency is not only violating the Fair Credit Reporting Act ( FCRA ) but also the updated Regulation V requirements. 
Requested Action : I respectfully request that you : XXXX. Immediately remove the medical debt from my credit report in compliance with Regulation V as amended. 
XXXX. Conduct a reinvestigation of this account and provide a written response confirming the deletion of the disputed information. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Please consider this letter as a formal dispute under the FCRA and the updated Regulation V. I expect a response within the 30-day period as required by 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 2025-03-09 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: SC

Complaint narrative:
I am writing to address the unfair reporting of late payments by Experian, Equifax, and Transunion. Below I have listed XXXX accounts that are reporting inaccurately and should reflect being paid as agreed. 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b 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 NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax is a massive multi-billion-dollar company that in return for this no compete against other companies and monopolistic position with extreme power over consumers well-being they must serve tens of millions of customers. Equifax at least has yet to remove the falsely reported payment late information with XXXX XXXX  and XXXX XXXX XXXX XXXX or companies that both admitted to falsely reporting late payments. All negative information on credit report needs to be removed immediately and the creditor blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
all three credit bureaus playing XXXX with 12 years tradelines has been remove i sent a letter to all three credit bureaus claiming its fake scores are now changing every 24hrs and now sent threatening letters i sent proof letters XXXX XXXX block payment for loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
About 1 year ago Bank of America changed XXXX account to paperless billing without my knowledge with lead me to be late on paying those bills bc i never got them. In the process of settling the matter Bank of America insisted that i was the one to change those settings, knowing this was a lie i asked for any evidence at all that i made some direct action to change those settings. No evidence was provided. Bank of Americas response to me was trust us, you are at fault here. Which of coarse is laughable. I trust Bank of America about as much as they trust me. The result of this was Bank of America heartlessly and without ethical direction, damaging my good name and credit. Here we are again. I received a notice saying that XXXX of my accounts have been changed to paperless billing again! I DID NOT CHANGE THIS SETTING! Again I ask for any proof that i am the one that changed this setting. I want Bank of America to make right the damage they did to me one year ago financially and to my credit rating also they must stop this deceptive practice, and also i want a letter of apology

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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