vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 2025-04-26 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: MA

Complaint narrative:
Dear EQUIFAX, I am writing to formally request the deletion of inaccurate information from my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 605 ( 15 U.S.C. 1681c ) and Section 611 ( 15 U.S.C. 1681i ). The erroneous information is having a negative impact on my creditworthiness, as evidenced by [ a loan rejection, being denied a credit card, or higher interest rates ] that has directly resulted from this incorrect reporting.

The specific information I am disputing is as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Inaccurate Information : PAYMENT HISTORY Reason for Deletion Request : THIS INFORMATION IS REPORTED INACCURATELY XXXX  XXXX XXXX DAYS LATE, XXXX  XXXX XXXX DAYS LATE, XXXX  XXXX  DAYS LATE, ALSO LISTED AS A CHARGE OFF. PAYMENT HISTORY IS INACCURATE. 
This error is not only incorrect but is also causing financial harm. I have been denied credit based on this inaccuracy, and the resulting damage has impacted my ability to access favorable financial terms. I respectfully request that you investigate and remove this incorrect entry from my credit report, as required by the FCRA. 
I have enclosed supporting documentation, including : Correspondence from the creditor showing the inaccuracy. 
Relevant documents supporting my request for deletion. 
If this matter is not resolved promptly, I will consider pursuing additional actions, including the possibility of seeking compensatory damages for the negative effects this reporting error has caused to my financial standing. 
Thank you for your prompt attention to this matter. I look forward to your response and the removal of this inaccurate information from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NC

Complaint narrative:
XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX  Transunion XXXX : These Inquiries Have No Permission Purpose To Be On My Report, Delete These Inquiries ImmediatXXXX 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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-26 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: Global Lending Services LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern, Re : Unauthorized Hard Inquiry Demand for Immediate Removal I am writing to notify you that an unauthorized credit inquiry by your company has been detected on my consumer credit file. I have no record of authorizing or consenting, either verbally or in writing, for you to access my credit report. You are in direct violation of the following federal laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : You are prohibited from obtaining a consumer report without a permissible purpose explicitly authorized by law and/or without my express written consent. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681q : It is a federal violation to knowingly and willfully obtain a consumer report under false pretenses. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681n and 1681o : You are liable for willful or negligent noncompliance with the FCRA, and subject to actual damages, punitive damages, and attorneys fees. Federal Trade Commission ( FTC ) Guidance : Pulling a consumer report without authorization constitutes an actionable violation under the FCRA. Because you have no permissible purpose and no legally valid authorization to access my consumer report, I am demanding the immediate deletion of your inquiry from my credit profile. If you fail to comply within 15 days of receipt of this letter, I will proceed with filing a demand for arbitration against your company under the rules of the XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX, where I will seek : Statutory damages for each violation, Punitive damages, Costs of arbitration, Attorneys fees, And any other relief allowed under the law. Consider this your formal notice and final opportunity to resolve this matter amicably before escalation. Please send confirmation in writing that you have directed all consumer reporting agencies to remove the unauthorized inquiry. You may forward your response to my address listed above. Govern yourself accordingly. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
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 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. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from 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.

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 2025-04-26 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: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting a goodwill adjustment and the removal of the late payment from my credit report, as it does not reflect my overall payment history and continued good standing. 

XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} Account Status : Open Payment Status : Current Late : XX/XX/year>XXXX XXXX XXXXXXXX Balance {$680.00} Account Status : Open Date Opened : XX/XX/year> Payment Status : Current Late : XX/XX/year>

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 2025-04-26 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: MicroBilt / PRBC (formerly CL Verify)
State: VA

Complaint narrative:
I am filing a formal complaint against MicroBilt Consumer Affairs Department for illegally reporting inaccurate and misleading information on my credit file.

Despite my efforts to correct these errors, MicroBilt continues to report false information, in direct violation of federal law. The case of XXXX XXXX XXXX LLC clearly established that credit reporting agencies have a legal obligation to promptly and accurately correct any disputed inaccuracies. MicroBilts ongoing failure to fulfill this duty shows willful negligence and blatant disregard for consumer rights. 

Specifically, MicroBilt is violating : Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ) : By failing to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. 

Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ) : By failing to conduct a proper reinvestigation into disputed information and correct or delete inaccurate records. 

Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ) : By failing to investigate and rectify disputed information once notified by a consumer reporting agency. 

XXXX XXXX ( XXXX ), XXXX XXXX. XXXX : By mishandling and sharing inaccurate consumer information without properly safeguarding the integrity and confidentiality of that information. 

MicroBilts reckless actions have caused substantial harm to my creditworthiness and financial opportunities. They have ignored their legal responsibilities under the FCRA and XXXX, and as a result, have continued to disseminate false, damaging, and unverifiable information about me to third parties. 

I have attached evidence supporting my claims, including copies of correspondence and proof of the inaccuracies.

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 2025-04-26 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: NY

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items 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 explanation
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-04-26 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I recently discovered a derogatory mark on my credit report from XXXX XXXX XXXX XXXX, which claims that I owe a debt of {$1800.00} related to my previous apartment lease at XXXXXXXX XXXX XXXX XXXXXXXX. The debt, according to the collection agency, was reported after I moved out of the apartment in XX/XX/year>. 

However, I dispute this debt, as I was never notified about any outstanding charges or provided with any move-out documentation. Despite my efforts to contact the apartment complex, including emails and phone calls, I received no response from their office. The last communication I had was via phone after I moved out, when I called the apartment XXXX to inquire about any outstanding balance. The XXXX informed me that there was no balance due and assured me they would inform me if anything else was owed. 

I forwarded the communication between myself and the apartment complex to XXXX XXXX & XXXX, showing that I had attempted to resolve the matter. In their response, XXXX XXXX XXXX XXXX stated that they would contact the creditor and investigate the issue, promising to inform me of the outcome. However, I did not receive any follow-up or results from the investigation, and despite their promise, they still reported the derogatory mark on my credit report without providing any validation or evidence of the debt, such as the original lease agreement or any move-out inspection report. 

I am requesting that this derogatory mark be investigated and removed from my credit report due to a lack of evidence and proper notification.

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 2025-04-26 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I noticed there was a debt collection for XXXX on my credit report. The debt buyer is lvnv funding. The original creditors is XXXX. I have all my statements from my paypal account since I opened my account. I have never received the a loan through pay for any type of money. So I have disputed the account more than once only for them to say it's verified and not give me the requested information. This violates my right to know, I have the right to receive copies of all documentation pertaining to this account and have received none, nor any other communication from this company. I still currently have the same XXXX account open today that I use regularly, if I owed that amount don't you think it would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kikoff Inc.
State: CO

Complaint narrative:
I am filing this complaint against Kikoff Lending for inaccurate and incomplete reporting of my account Account Number XXXX to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. This inaccurate reporting is causing significant harm to my creditworthiness. 
Details of the Issue : My Kikoff Lending account is reported as derogatory on my credit report, despite the payment status showing " paid, closed. '' The payment history is incomplete, reflecting only a single XXXX late payment in XX/XX/XXXX, with no record of payments before or after this date. This incomplete and inaccurate reporting violates FCRAs requirement for accurate and verifiable information. I mailed a dispute letter to Kikoff Lending on XX/XX/XXXX, Kikoff Lending has failed to correct or remove the inaccurate reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation