vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
I am submitting this complaint to bring attention to multiple failures by Innovis XXXX XXXX to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX XXXX XXXX reporting standards. In a letter I sent to Innovis dated XX/XX/XXXX, I provided a detailed breakdown of personal data errors, outdated account and collection tradelines, public records, and unauthorized inquiriesall of which have gone unaddressed. 

I challenged the following : Inaccurate personal data ( e.g., incorrect DOB, previous addresses, and employer entries ) Multiple incorrect tradelines, including XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX accounts Collections reporting inaccurately ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A public record reporting erroneously An unauthorized inquiry by XXXX XXXX dated XX/XX/XXXX Innovis has failed to provide any verifiable documentation or respond within the timeframes mandated by 15 U.S.C. 1681i ( a ) ( 1 ). Furthermore, Innovis has not : Corrected or removed outdated personal data Verified or deleted unsubstantiated negative tradelines Provided methods of verification Supplied notice of investigation results per 15 U.S.C. 1681i ( a ) ( 6 ) This demonstrates clear non-compliance with : 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) and ( 6 ) failure to reinvestigate and notify XXXX XXXX and CRRG 34 standard

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Demand for Deletion of Unverifiable Account XXXX XXXX Charge-off ( {$2500.00} ) To Whom It May Concern, I am writing to formally request the immediate deletion of an unverifiable account from my credit report. The account in question is a XXXX XXXX XXXXharge-off in the amount of {$2500.00}. 

This account was previously reported to my XXXX secondary credit report. I filed a dispute regarding the validity of this debt, and after a reinvestigation was completed on XX/XX/year>, XXXX removed the account entirely from my file. The fact that XXXX, a nationwide specialty consumer reporting agency, could not verify this account and thus removed it, serves as evidence that the account is unverifiable and must be deleted from all credit reports maintained by Equifax ( and other CRAs ). 

According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if information can not be verified during a reinvestigation, the credit reporting agency must delete it promptly. Furthermore, under Section 611 of the FCRA, I have the right to dispute any information I believe to be inaccurate or unverifiable, and your agency is required to complete a reinvestigation within 30 days.

Additionally, if this unverifiable account is not removed within 30 days, you will be in violation of the FCRA and I reserve the right to take legal action. Under 15 U.S. Code 1681n and 1681o, I may pursue civil liability for willful or negligent noncompliance, including statutory damages, punitive damages, attorneys fees, and court costs.

Please consider this letter a formal dispute and demand for deletion. If the account is not deleted from my Equifax credit file within 30 days, I will proceed with a complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal remedies.

Enclosed is a copy of my drivers license and a utility bill to verify my identity and address. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: RFNA, LP
State: MS

Complaint narrative:
I received a message from XXXX company XXXX XXXX in XXXX XXXX stating they could no longer receive cash as a form of payment. 

No phone number. A website was given. 

XXXX snapshot the message to XXXX. Then blocked the number. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

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 explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian Refuses to Verify or Remove Bankruptcy from My Credit Report Complaint Details : I am filing this complaint against Experian for failing to properly verify and correct inaccurate information on my credit report. 

Experian is reporting a bankruptcy that I believe is inaccurate or unverifiable. I contacted Experian and requested verification of the bankruptcy, including the source of the information and documentation that proves it belongs to me. Experian responded that they do not have access to verification and referred me to the court system. 

However, under the Fair Credit Reporting Act ( FCRA ), Experian is required to verify the accuracy of any public record it reports and to remove any information it can not verify. The courts do not report to credit bureaus and do not verify information for them. This response is unacceptable and violates my rights under federal law. 

I formally requested that Experian provide : The method of verification, The name of the source used to report the bankruptcy, And documentation linking the bankruptcy directly to my identity. 

Experian failed to provide any of this information and refused to remove the record. 

I am requesting that the CFPB take action to ensure Experian complies with the law, deletes the unverifiable bankruptcy, and confirms this deletion in writing.

Desired Resolution : Immediate removal of the bankruptcy from my credit report.

Written confirmation that the record has been deleted.

Assurance that Experian will not report unverifiable public record data in the future.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

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 2025-05-07 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
This Collection agency Jefferson capital systems LLC keeps putting the same fraud information on my credit report. This started about XXXX years ago where they kept messing with my credit where I had to keep disputing it though the credit report agencies as being fraud, and they keep putting it back on their XXXX or XXXX times a year thinking I want to catch it being on there trying to make me pay for something that isnt mine. The last time I talked to them they got my number from the system and kept calling my phone back-to-back. I had to end up blocking the numbers they kept calling from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against TRANSWORLD SYSTEM INC regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX  I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  {$250.00} Date Opened : XX/XX/year> I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with TRANSWORLD SYSTEM INC but to no avail. 
Solution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MO

Complaint narrative:
I was approved for REPAYE/SAVE back in XX/XX/year>, MOHELA has decided to unilaterally neglect to put 0 % interest on my loans, collect interest illegally, and not do anything besides give the same cookie cutter response. I will continue to call, submit complaints, and fight until the interest is reversed and my loans put at the 0 % interest rate they were meant to be at back when the administrative forbearance began last year. This is unbelievably ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
CAME BACK VERIFIED XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANGEMENT XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANGEMENT XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2025-05-07 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: Sezzle Inc.
State: MD

Complaint narrative:
Subject : Dispute of Incorrectly Reported Late Payment Violation of 15 USC 1666b To Whom It May Concern, I am filing a complaint concerning an inaccurately reported late payment on my credit report. This reporting appears to violate the Truth in Lending Act, specifically 15 USC 1666b, which requires that a creditor allow a reasonable grace period ( at least 21 days ) before treating a payment as late. 

The account in question is : Creditor Name : SEZZLE INC Account Number ( last XXXX digits ) : XXXX Date of Reported Late Payment : XXXX, XXXX AND XXXX, XXXX Credit Bureau Reporting the Late Payment : XXXX  / XXXX  / XXXX  I made my payment on time based on the billing statement and within the grace period. However, the creditor reported the payment as late and submitted it to the credit bureaus. I requested a correction directly from the creditor and the credit bureau, but the issue remains unresolved. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this violation and require the creditor and/or credit bureau to delete it from my credit report in compliance with the law. 


This inaccurate reporting is negatively impacting my credit profile, and I am exercising my right to dispute this under federal law. Please address this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
On Monday XX/XX/XXXX my XXXX year old daughter received a phone call from Med-1 saying they were from XXXX and that they were wanting to talk to me. I asked why they were calling my daughter 's number trying to reach me when they have have my number. I looked on my recent calls from their number and since XXXX to now I have eight calls from them. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. 

One of the employees told me that they received the number from someone at XXXX that was associated with the debt. I called the billing department at XXXX and they confirmed that the only number and information linked with the financial responsibility is my number and information. 

With Med-1 on Monday I asked to talk to a Supervisor, but was at first sent to their legal department who then sent me to the Supervisor 's voice mail. I waited until Wednesday the XXXX after not receiving a call back. When the employee answered I asked for the Supervisor again was put on hold, sent to a voice mail and then the call was disconnected. I called back and was again sent to their legal department where the woman on the line said that there was nothing wrong with what they did because they just get the numbers and call. Her reasoning for this is that since they only asked if they were speaking to me that they were in their right to do it. 

The only way that XXXX would have my daughter 's phone number is because she needed to have her own XXXX when she turned XXXX and she is not legally allowed to sign for any financial responsibility. How could these companies not know that the phone number belonged to a minor that was in no way connected to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
Despite my earlier request, the invalid items have not been corrected or removed, and they continue to appear with discrepancies across all three bureaus. As stated before, the continued reporting of inaccurate and non-public personal information without proper verification is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-07 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: One Source Technology
State: MI

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XX/XX/XXXX there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-05-07 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: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation