vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, 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 which has not been done with the disputes submitted on XX/XX/XXXX. It is now XX/XX/XXXX and the fraudulent information remains although my FTC report has been attached to my disputes which is a violation of my consumer rights per FCRA 605B. The credit agencies have failed to investigate and comply with my disputes. This fraudulent, inaccurate, and false information consists of a several collections accounts, hard inquiries and incorrect personal information. Accounts are as follows : Credit card account XXXX  XXXX opened on XX/XX/XXXX in the amount of {$2500.00}, XXXX  XXXX account in the amount {$1200.00}, Collection account XXXX XXXX opened on XX/XX/XXXX in the amount {$1100.00}, Collection account XXXX XXXX in the amount {$130.00}, Auto Loan account XXXX XXXX opened on XX/XX/XXXX in the amount {$50000.00}. Hard inquires : XXXX XXXX XXXXXXXX XXXX and XXXX. and personal addresses XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXXXXXX XXXX  XXXX DE XXXX, XXXX XXXX XXXX XXXX DE XXXX. The following incorrect Date of birth : XXXX, The following fraudulent employers : Self Employed, XXXX XXXX XXXX XXXX XXXX XXXX, Not Applicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, 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 which has not been done with the disputes submitted on XX/XX/XXXX. It is now XX/XX/XXXX and the fraudulent information remains although my FTC report has been attached to my disputes which is a violation of my consumer rights per FCRA 605B. The credit agencies have failed to investigate and comply with my disputes. This fraudulent, inaccurate, and false information consists of a several collections accounts, hard inquiries and incorrect personal information. Accounts are as follows : Credit card account XXXX  XXXX opened on XX/XX/XXXX in the amount of {$2500.00}, XXXX  XXXX account in the amount {$1200.00}, Collection account XXXX XXXX opened on XX/XX/XXXX in the amount {$1100.00}, Collection account XXXX XXXX in the amount {$130.00}, Auto Loan account XXXX XXXX opened on XX/XX/XXXX in the amount {$50000.00}. Hard inquires : XXXX XXXX XXXXXXXX XXXX and XXXX. and personal addresses XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXXXXXX XXXX  XXXX DE XXXX, XXXX XXXX XXXX XXXX DE XXXX. The following incorrect Date of birth : XXXX, The following fraudulent employers : Self Employed, XXXX XXXX XXXX XXXX XXXX XXXX, Not Applicable.

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 2025-04-20 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: MN

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history 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 to be 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.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
i was using a cable and internet provider back in XXXX  and at the time i was paying {$98.00} a month, XXXX decided to increase my monthly drastically from {$98.00} to {$300.00} a month, i immediately visited the store and made and payment of {$300.00} and cancelled my services with them. i was advise that the payment was not found and that my services were not cancelled, this has been a battle between me and the company. i called and i requested for more information and no answer I summited a credit dispute through XXXX and they did not help me, i need this to be resolved because it is incorrect and it is affecting my credit. can you please look into this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX Date : XX/XX/XXXX Rent Recovery Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX RE : Formal Demand to Cease and Desist All Collection Activity and Remove All Credit Reporting Entries To Whom It May Concern, This letter is to formally notify you that I dispute the validity of the alleged debt you are reporting and demand that Rent Recovery Solutions immediately cease and desist all collection activities and communications regarding this matter.

Furthermore, I hereby demand that you remove any and all negative entries related to this alleged debt from all consumer credit reporting agencies to which you have reported, including but not limited to Equifax, Experian, and TransUnion.

Your continued reporting of this disputed debt constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Under these laws : 15 U.S.C. 1681s-2 ( b ) requires data furnishers to properly investigate disputes and remove inaccurate or unverifiable information.

15 U.S.C. 1692e ( 8 ) prohibits a debt collector from communicating false credit information, including failing to report a debt as disputed.

If you are unable to provide verifiable, documented evidence that this debt is valid and legally owed, you are required to delete the tradeline and notify all credit bureaus to which it was reported. 

Additionally, I refer you to the following case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) holding that consumer reporting agencies must conduct reasonable investigations into disputed information. 

XXXX v. XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) establishing liability under the FCRA for failing to properly investigate disputed debts. 

XXXX XXXX XXXX v. FTC, XXXX enforcing that furnishers of data must delete or correct inaccurate entries after dispute. 

Should you fail to comply with this demand, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's Office. I also reserve the right to pursue civil action for statutory damages, attorneys ' fees, and any other relief the court deems appropriate.

You are hereby notified to respond in writing within 15 calendar days of receipt of this letter with confirmation of the removal of all tradelines and the closure of this account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: MD

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, So theres this collection account on my report JPMCB CARD XXXX thats 100 % NOT MINE??? I was totally affected by that Equifax data breach a few years back ( the XXXX one?? ) and now Im stuck with this fake debt??

This is identity theft!!! I never opened this account or owed this mone

y. Yall have to remove this because its hurting my credit for no reason. Pls investigate this ASAP and DELETE IT from my report. I can send whatever docs u need, but fr this is your mess from the breach, not mine Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Portfolio Recovery XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request Dear To Whom It May Concern I am writing in response to a letter received on regarding an alleged debt. Please be advised that I am requesting validation of this debt as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A copy of the original contract or agreement bearing my signature, if applicable ; 4. Proof that you are authorized to collect this debt ; 5. A complete payment history and breakdown of the total amount claimed, including interest, fees, or other charges.

Until you provide this information, I am requesting that you cease all collection activity, including reporting to credit bureaus. Please respond to this request in writing.

This letter is not an acknowledgment or acceptance of the debt and should not be interpreted as such. Please treat this letter as a formal request for validation pursuant to federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. 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 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: CT

Complaint narrative:
On XX/XX/XXXX I sent by registered mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX Their reference XXXX XXXXXXXX My request for debt validation and proof of debt of {$7800.00} They never responed to my request. 
I sent them a letter on XX/XX/XXXX advising them that they failed to respond to my validation request within 30 days. That the account must be removed from my credit file and be reported to all the credit rating agencies. To date they have not done so. 
XXXX XXXX appears to have sold my file to MRS XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX sent me a letter trying to collect the debt. I have sent a letter to them stating that XXXX XXXX never responded to my request for debt validation and proof of debt and that the file is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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:
Thank you for addressing my complaint regarding inaccuracies on my credit report. I am seeking a fair resolution to ensure my credit report is accurate, as required by the Fair Credit Reporting Act ( XX/XX/XXXX), XXXX XXXX. XXXX et seq., which promotes the accuracy, fairness, and privacy of consumer information held by consumer reporting agencies ( XXXX ). 

The inaccuracies I have disputed are XXXX BANK XXXX, XXXX FUNDING, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX are in violation of FCRA requirements. Specifically, under XXXX XXXX. XXXX ( b ), CRAs must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Additionally, under XXXX XXXX. XXXX ( a ), CRAs are obligated to conduct a reasonable investigation within XXXX  days of a consumer dispute to verify or remove inaccurate information. Furnishers of information, per XXXX U.S.C. XXXX ( b ), must also investigate disputes and correct or delete unverified or inaccurate information. 

Despite my dispute ( XXXX ) submitted on XX/XX/year> the inaccuracies remain on my credit report, causing denial of credit, higher interest rates, and emotional distress. This failure to correct the errors violates my rights under the FCRA and undermines the integrity of the credit reporting system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: OH

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 its really making me feel XXXX since 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
To Whom It May Concern : This letter is regarding the above-mentioned account, which you claim [ MY ACCOUNT WAS NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE ]. This is a formal notice that your claim is disputed. 

Please note that I am requesting validation ; that is competent evidence, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please provide the record that reflects the process by which my signature was generated/executed. 

Any negative mark found on my credit reports ( including Experian, Transunion and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA/FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CCM Finance LLC
State: TX

Complaint narrative:
I am disputing a repossession that is being inaccurately and inconsistently reported by CCM Finance LLC to both XXXX  and XXXX. 

XXXX  is reporting a high credit amount of {$74000.00}, while XXXX  is reporting a high credit amount of {$45000.00}. These conflicting amounts raise concern about the accuracy and validity of the data being reported. 

Despite having submitted two prior complaints regarding this account, the lender failed to provide adequate validation or consistent updates to the credit bureaus. The Fair Credit Reporting Act ( FCRA ) requires that all information reported on credit files must be accurate, verifiable, and consistent across all reporting agencies. This tradeline violates those requirements. 

I am requesting a full investigation and resolution to have this repossession removed due to its inaccurate nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: AZ

Complaint narrative:
I lost my job in XXXX of XXXX to covid due to not being an essential worker. I do not dispute the debt. However the delinquent payments that are reporting were do to loss of my job due to XXXX pandemic. The cares act which was signed into law XX/XX/XXXX, and ended XX/XX/XXXX. This signed law amended the ( fcra ) to stop adverse credit reporting during the XXXX crisis.

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 2025-04-20 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: AZ

Complaint narrative:
I lost my job in XXXX of XXXX to XXXX due to not being an essential worker. I do not dispute the debt. However the delinquent payments that are reporting were do to loss of my job due to XXXX pandemic. The cares act which was signed into law XX/XX/XXXX, and ended XX/XX/XXXX. This signed law amended the ( fcra ) to stop adverse credit reporting during the XXXX crisis.

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 2025-04-20 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: AZ

Complaint narrative:
I lost my job in XXXX of XXXX to XXXX  due to not being an essential worker. I do not dispute the debt. However the delinquent payments that are reporting were do to loss of my job due to XXXX pandemic. The cares act which was signed into law XX/XX/XXXX, and ended XX/XX/XXXX. This signed law amended the ( fcra ) to stop adverse credit reporting during the XXXX crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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