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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 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: PR

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. Remove the following inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Follow-Up Dispute Under 15 U.S. Code 1681i ( a ) Request for Deletion of Unverified Names and Addresses Dear Credit Bureau Representative XXXX This XXXX XXXX as a formal follow-up to a previous dispute I submitted regarding inaccurate and unauthorized personal information appearing on my credit report. 

As of XX/XX/XXXX, the credit reports from XXXX XXXX and Equifax still reflect incorrect and unverified information, despite my earlier request for correction. I am invoking my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ( a ) ), which requires you to investigate and delete any information that can not be verified. 

Here are the details of the inaccurate data that should be removed : Names to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( as listed in the Also Known As field ) The only accurate and legally recognized name that should appear on my credit report is : XXXX XXXX XXXX Addresses to Be Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any other addresses not associated with me My only valid and current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unverified addresses and name variations are not associated with me, and their continued presence on my credit file may adversely affect my creditworthiness and violate the accuracy requirements set forth in the FCRA. 
Thank you for your immediate attention to this matter.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to bring to your attention an urgent matter concerning my credit report and the handling of my requests by TransUnion and Equifax. 

On XX/XX/XXXX, I sent certified letters to both TransUnion and Equifax seeking verification and removal of five old accounts listed on my credit reports. As of today, I have not received a response from either bureau within the legal 30-day response window, despite my inquiries. 

The absence of action on these accounts continues to pose significant financial harm and stress for me. I have been unable to secure funding for a new business venture due to the negative remarks associated with these accounts. In XX/XX/XXXX, XXXX  successfully removed all negative accounts from my report, which highlights the potential for these issues to be resolved.

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
those accounts have inaccurate data, please investigate those amounts and proceed to remove those inaccuracies from my report, l hope for a response soon and XXXX bless you!!!!! Account Name : XXXX  Account Number : XXXX XXXX : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX Balance : {$2100.00} Account Name XXXX XXXX XXXXount XXXX Balance : {$300.00} These inquiries are incorrect, since I do not recognize them, please investigate them and delete them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XX/XX/XXXXXXXX was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX and 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 reported in to be removed. 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. XXXX, XXXX XXXX XXXX, AND XXXX 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! Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America is reporting a closed account on my credit report with an outstanding balance of {$1200.00} and derogatory information. This is damaging my credit profile. I mailed a certified letter on XX/XX/year>, disputing this tradeline and invoking my right to arbitration. 

The reporting is inaccurate under FCRA 611 and non-compliant with XXXX XXXX standards including incorrect status codes, inconsistent charge-off data, and failure to reflect a proper closed/paid structure. I have not received a response or resolution. 

Screenshots and proof of mailing are attached, as well as a formal dispute support letter.

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 card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am filing a formal complaint regarding an unauthorized and duplicate charge related to a recent purchase I made with Mattress Firm. Below are the details of the issue : XXXX. Issue Description : On or before XX/XX/year>, I made a purchase with Mattress Firm and paid the full amount using my bank account. However, a second, unauthorized charge for the same purchase was later processed through a Synchrony credit card account. 
I had opened a charge account with Synchrony specifically to pay for the initial purchase and did not authorize or activate any additional credit account with them. Despite this, a second charge appeared on my Synchrony account for the same purchase, which I did not approve. 
I have already filed a dispute with Synchrony regarding the duplicate charge, and the matter is currently under review for the XXXX time. 
I contacted my bank to report the issue, but the duplicate charge has not been resolved yet. 
I have provided the necessary receipts, proof of payment, and relevant account information to both Synchrony and my bank. 
I am requesting assistance in investigating and resolving the unauthorized duplicate charge and recovering the funds that were wrongly billed to my Synchrony account. 

I kindly ask that the CFPB intervene to help ensure the issue is addressed and that I am refunded for the unauthorized charge.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX on XX/XX/year> under the account number XXXX original balance {$4500.00}. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof rom the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within FCRA and FDCPA law.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX XXXX Date : XX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Dispute of Collection Account ( XXXX  Report - Acct # : XXXX ) To Whom It May Concern, I am writing to formally dispute the validity of the collection account reported to XXXX  under the name Credence Resource Mana and associated with the original creditor XXXX XXXX XXXX. According to my XXXX  credit report, this account was opened on XX/XX/year>, with a balance of {$710.00} currently reported as past due. 

I do not recall incurring this debt and have not received any prior written notice or verification from your company. Additionally, I never gave written permission for Credence Resource Management to report or collect this alleged debt on my credit file, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I request the following : 1. Validation of the debt including a copy of the original signed agreement bearing my signature and details of the original account from XXXX XXXX XXXX. 
2. Proof of your authorization to collect or report this debt.

3. Immediate removal of this account from my credit report if you are unable to validate the debt. 

If you can not provide the requested documentation within 30 days of receiving this letter, you are required to cease collection activities and have this item removed from all consumer reporting agencies. 

Please treat this letter as a formal dispute under the FCRA and a request for debt validation under the FDCPA. Also, be advised that I am documenting all correspondence regarding this matter. 

Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 — Personal information incorrect
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
On Saturday XX/XX/XXXX around XXXX. I received an alert on my credit report that my score has dramatically decreased XXXX pts reported by Aidvantage that my account was XXXX days past due. I called the office first thing that morning to pay what owed and bring my account current, then disputed the inaccurate report because they didn't have my current information on their company data base. It was shocking and caused distress and anxiety for me and my family. I was never notified that this matter was pass due. I don't have a problem paying which I did, I just wasn't notified and Aidvantage didn't have the correct information to properly notify me. During that same call ; the representative XXXX XXXX then informed that I paid XXXX to bring the accoiunt current. The on XX/XX/XXXX, the manager XXXX XXXX informed that amount wasn't accurate and request I paid XXXX more to bring the account current. I paid more then what the manager ask, I paid an extra XXXX and explained to her I want to satisfy my debt, but I was never notified and I need this report retracted ASAP or I can lose my Job, my family, and my deposit on a home that my wife and I saved up for XXXX years. 

We have a XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX and XXXX teens to raise. This error is detrimental and we need it retracted by the department as soon as possible, preferably prior to XX/XX/XXXX. This is error by Aidvantage is destroying my family, effecting my job to support my family and our chance to get a a home to live in. 

Sincerely, XXXX XXXX

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-04-16 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: IL

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
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: EQUIFAX, INC.
State: IL

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 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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