vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-02 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: CA

Complaint narrative:
I found that an inaccurate item was added to my credit report, XXXX XXXX XXXX. I can certify that I have never received " communication '' or " notice for validation of debts '' required by 15 USC 1692g and 12 CFR Part 1006.34, thus this item could not possibly qualify under FCRA.

Equifax does not take sufficient steps to investigate and notify me about my dispute, resulting in the inclusion of incorrect information on credit reports. This derogatory information is causing me financial distress, and threaten my access to credit, employment, and housing. 

In addition, I was notified by Police Services of XXXX California that I was a victim of identity theft with suspects arrested. Equifax failed to block the inaccurate information from my credit report no later than 4 business days after my request and failed to notify me of the reasons not doing so, violating 15 U.S.C. 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: LA

Complaint narrative:
According to 15 USC 1692 C, you have violated my rights by in lawful communications. Please remove this collection from my credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
XXXX XXXX XXXX - XXXX This Account Is Not Showing Maximum Possible Accuracy According To 15 USC 1681e ( b ), The Open Date & Date Last Active Is Not Accurate.

DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681e ( b ) XXXX XXXX XXXX- XXXX This Account Is Not Showing Maximum Possible Accuracy According To 15 USC 1681e ( b ), The Open Date & Date Last Active Is Not Accurate.

DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681e ( b ) Thank You For Your Time & Attention! 

Sincerely XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
XXXX XXXX XXXX - XXXX This Account Is Not Showing Maximum Possible Accuracy According To 15 USC 1681e ( b ), The Open Date & Date Last Active Is Not Accurate.

DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681e ( b ) XXXX XXXX XXXX- XXXX This Account Is Not Showing Maximum Possible Accuracy According To 15 USC 1681e ( b ), The Open Date & Date Last Active Is Not Accurate.

DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681e ( b ) Thank You For Your Time & Attention! 

Sincerely XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: IL

Complaint narrative:
LJ Ross and Associates had the audacity to buy an old, inaccurate debt they claim is mine and slap it onto my credit report without proper validation. They never had any prior relationship with me, yet they tried to collect on this bogus amount. When I exercised my rights under the FDCPA and demanded debt validation, all they sent was a useless letter with nothing more than a utility companys name and addresshardly proof of anything! 

To make matters worse, when I disputed this fraudulent entry with all three credit bureaus, it somehow came back as validated. This is completely unacceptable. LJ Ross and Associates have no legitimate basis for reporting this debt, and I will not tolerate their reckless damage to my credit. I demand the immediate removal of this collection from my credit reportsfailure to comply will leave me no choice but to escalate this matter further.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Seeing an unauthorized inquiry on my credit report this morning was both shocking and infuriating. I check my report frequently, and this appeared out of nowhere. I tried refreshing my browser, but the issue persisted, proving this is not a simple glitch. I insist that my documents be carefully reviewed and the situation corrected right away so I can stop worrying about this.

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 2025-04-02 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: IN

Complaint narrative:
Any person who shall be injured in his business or property by reason of anything forbidden in the antitrust laws may sue therefor in any district court of the United States in the district in which the defendant resides or is found or has an agent, without respect to the amount in controversy, and the court shall have jurisdiction of the action.

( b ) No action to enforce any cause of action under the antitrust laws shall be brought more than four years after the cause of action accrued, except that if the defendant is a foreign national, the cause of action shall not accrue until the plaintiff has discovered the violation.

( c ) In any action under this section, the court may award a plaintiff who prevails a reasonable attorneys fee as part of the costs of the action, and the United States shall be entitled to recover its reasonable costs in any action brought by it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: IL

Complaint narrative:
I received information about a data breach and my information may have been compromised. I reviewed my credit report XX/XX/year> and noticed several accounts that didnt belong to me. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

I would like to have these accounts removed due to them being reporting inaccurately on my report. XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: AL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered that mXXXX XXXX XXXXXXXX XXXX XXXX account reflects several instances of late payments, which I believe to be inaccurate. I have always made timely payments and have ensured that my account remains in good standing. 

Consumer Reporting Agencies play a critical role in maintaining the accuracy of consumer information, and it is essential that all data reported is correct. I would like to bring to your attention that I have never missed a payment on the following XXXX XXXX XXXX account : XXXX 

I kindly request a thorough investigation into these discrepancies. Please provide evidence, such as statements or payment history, demonstrating the alleged late payments. If you are unable to furnish such proof, I ask that you promptly update my account to reflect the true status of my payments as on-time, as I have consistently honored my payment obligations without delay. 

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

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 2025-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: RANLife, Inc.
State: CA

Complaint narrative:
My original loan is from XXXX they sold the loan to ranlife XXXX XXXXXXXX XXXX Ranlife told me that the information was not available but when I call early an agent told me that this month the schedule of paid off demand is full so I have to wait until XXXX the XXXX, I ask them could they give me a special arrangement cause Im doing a refi and I needed to close it with in XXXX because lock in a rate already. Ranlife XXXX XXXX XXXX refused saying that this month was fill and cant provide me with that request. I really needed help, I feel like this mortgage firm is hold my loan hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX [ Todays Date ] XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Cease and Desist Request for Immediate Removal of LVNV Funding LLC Account [ XXXX ] To Whom It XXXX Concern, I am formally disputing the reporting of the account XXXX, which is now associated with LVNV Funding LLC, but was originally with XXXX XXXX XXXX I do not recognize LVNV Funding LLC, and I never entered into any agreement with them regarding this debt. 

Additionally, under 15 U.S. Code 6802 ( b ) ( Gramm-Leach-Bliley Act ), financial institutions are required to obtain a consumers consent before selling or transferring their private financial information to a third party. I never provided XXXX XXXX XXXX with written consent to sell, transfer, or assign this debt to LVNV Funding LLC, and therefore, their reporting of this account is unlawful. 

As such, I demand the immediate removal and deletion of this account from my credit report. If you believe you have legal grounds to continue reporting it, provide me with a copy of : 1. The original agreement with XXXX XXXX XXXXXXXX, proving my consent to the sale or transfer of this account. 
2. The contract between XXXX XXXX XXXX and LVNV Funding LLC, showing the legal transfer of the account. 

If you can not provide such documentation, you are required to delete this account in compliance with the Fair Credit Reporting Act ( FCRA ) and Gramm-Leach-Bliley Act.

Furthermore, pursuant to 15 U.S. Code 1681c ( a ) and the Fair Debt Collection Practices Act ( FDCPA ), this letter serves as a Cease and Desist request. You are instructed to : 1. Immediately delete and remove this account from my credit report.

2. Cease all further communication with me regarding this matter, except to confirm the deletion or provide documented proof of my consent.

Failure to comply with this request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for violations of my rights under the FCRA and FDCPA.

I expect a written response within 30 days, confirming the deletion of this account. If my request is ignored or denied without proper justification, I will pursue all available legal remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing to formally dispute a number of unauthorized inquiries that have appeared on my credit report. Upon reviewing my account, I was deeply concerned to find inquiries that I never approved or initiated. These entries were made without my knowledge or consent, and I am requesting immediate action to investigate and remove them. 

My credit history is a reflection of my financial responsibility, and I have always been diligent in managing my accounts with integrity. Seeing these unauthorized inquiries has caused me significant distress, as I know how even a single unapproved inquiry can impact my creditworthiness. I have worked hard to maintain and protect my financial standing, and I can not allow these errors to undermine my efforts. 

I want to make it clear that these inquiries do not represent any transaction, agreement, or request made by me. As a consumer, I have the right to ensure that my credit report is accurate and free from any misleading or fraudulent activity. I respectfully ask that these inquiries be removed from my credit file and that my report reflects only the accounts and inquiries that I have legitimately authorized. 

I appreciate your prompt attention to this matter, as it directly affects my financial future. Please provide confirmation once these unauthorized inquiries have been removed or if any further action is needed on my part to resolve this issue. Thank you for your time and consideration in protecting the accuracy and fairness of my credit report. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a number of unauthorized inquiries that have appeared on my credit report. Upon reviewing my account, I was deeply concerned to find inquiries that I never approved or initiated. These entries were made without my knowledge or consent, and I am requesting immediate action to investigate and remove them. 

My credit history is a reflection of my financial responsibility, and I have always been diligent in managing my accounts with integrity. Seeing these unauthorized inquiries has caused me significant distress, as I know how even a single unapproved inquiry can impact my creditworthiness. I have worked hard to maintain and protect my financial standing, and I can not allow these errors to undermine my efforts. 

I want to make it clear that these inquiries do not represent any transaction, agreement, or request made by me. As a consumer, I have the right to ensure that my credit report is accurate and free from any misleading or fraudulent activity. I respectfully ask that these inquiries be removed from my credit file and that my report reflects only the accounts and inquiries that I have legitimately authorized. 

I appreciate your prompt attention to this matter, as it directly affects my financial future. Please provide confirmation once these unauthorized inquiries have been removed or if any further action is needed on my part to resolve this issue. Thank you for your time and consideration in protecting the accuracy and fairness of my credit report. 

Sincerely,

Company response to consumer: Closed with explanation