vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
This is a valid complaint concerning inaccuracies on my credit report that fail to meet the standard of maximum possible accuracy. These errors are causing ongoing harm and hardship. I respectfully request that they be corrected or removed as a matter of urgency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 am filing this complaint against the credit bureaus ( Experian, Equifax, and XXXX  ) for reporting inaccurate and misleading information regarding an account associated with XXXX XXXX XXXX XXXX. 

The account is listed as a repossession with a balance owed, despite the fact that the creditor submitted a Form 1099-A to the IRS, which has been accepted. This form confirms that the property was acquired by the lender and the debt has been resolved for tax purposes.

I submitted disputes to all three credit bureaus, along with a copy of the 1099-A and supporting documentation, requesting the account be updated to reflect the correct status ( such as Settled through collateral acquisition or Paid/Closed ). Despite this, the credit bureaus continue to report it as a delinquent repossession with a remaining balance which is factually and legally incorrect based on the IRS-acknowledged cancellation of the debt.

This false reporting is negatively impacting my credit profile and misrepresents my current financial obligations. The credit bureaus have a legal duty under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation and report accurate information, yet they are failing to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I called Indigo credit card company and explained that I was not aware the card came with a {$250.00} balance. I explained this was a mistake, and I wouldn't have used it if I had known it came with a {$250.00} balance. I asked if I could pay the {$40.00} I had used and close the account. They told me no, I used it, and was responsible for the {$250.00} balance. I tried explaining it was a mistake. They refused the Indigo credit card, Now I owe {$450.00} for late fees. I never used {$450.00} on this card. This is a scam card that wants someone to pay, and has never been used for the {$450.00}. 

I tried calling Indigo debt collection line and they released the phone before I ever spoke.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was a victim of identity theft and {$5000.00} worth of student loans were taken out in my name. I did not sign any paperwork or apply for any student loans. I called XXXX I sent in proof it wasnt me and they still refuse to close out loans. It is damaging my credit and I want this closed out and removed. I am the victim and I told XXXX that. I need help. They are awful. I called them numerous times. I sent signatures in and proof I never left my state. I have filed complaints. Nothing has been done. Why should I have to keep sending in proof of my signatures on certain dates when my signature is the same. I never went to college or planned on it. I have kids who will be attending school and I want to help them with student aid but how can I if XXXX is ruining my credit and my inner peace.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I told Experian that XXXX XXXX  had false information on my credit report they did an investigation and updated my information without deleting the account that had false information on it?

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 2025-05-20 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: LA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I have reached out to the companies explaining that I am a victim of a theft. I also am a victim of identity theft and data breach. I have provided information about the data breach, and that my information with leek and nothing still has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : Formal Dispute and Demand for Deletion Account # XXXX To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, regarding the reporting of Account # XXXX on my credit report. 

I dispute the accuracy and completeness of this account for the following reasons : XXXX. The account is reported as a charge-off with a balance, which is contradictory. Under industry standards, a charged-off account should reflect a {$0.00} balance if sold or transferred. This inconsistency misrepresents the debt 's status and damages my creditworthiness. 
XXXX. The high balance reported on this account is not consistent across different reports, which violates FCRA requirements for accurate and consistent reporting of information by furnishers. The inaccurate high balance suggests errors in your data integrity processes. 

These reporting discrepancies are misleading, unverifiable, and in violation of FCRA standards, particularly under 1681e ( b ), which mandates maximum possible accuracy in the information you report. 

Therefore, I formally demand that you : - Conduct a reasonable investigation of this account under FCRA 1681i ; - Provide documented evidence from the original creditor verifying the accurate status and balance ; - DELETE this account if verification can not be substantiated and consistent across all data fields ; - Provide a written response with the outcome of this investigation within 30 days as required by law.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: PA

Complaint narrative:
I was a victim of identity theft and {$5000.00} worth of student loans were taken out in my name. I did not sign any paperwork or apply for any student loans. I called mohela I sent in proof it wasnt me and they still refuse to close out loans. It is damaging my credit and I want this closed out and removed. I am the victim and I told mohela that. I need help. They are awful. I called them numerous times. I sent signatures in and proof I never left my state. I have filed complaints. Nothing has been done. Why should I have to keep sending in proof of my signatures on certain dates when my signature is the same. I never went to college or planned on it. I have kids who will be attending school and I want to help them with student aid but how can I if mohela is ruining my credit and my inner peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
This is a valid complaint concerning inaccuracies on my credit report that fail to meet the standard of maximum possible accuracy. These errors are causing ongoing harm and hardship. I respectfully request that they be corrected or removed as a matter of urgency.

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 2025-05-20 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Several companies have accessed my credit report without my authorization, negatively affecting my credit and score. Although a representative previously assured me these inquiries would be removed, they remain on my report. These unauthorized entries are deeply concerning, possibly indicating identity theft, and continue to cause undue stress and harm to my financial well-being.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FC HoldCo LLC
State: IN

Complaint narrative:
I am writing to formally dispute multiple unauthorized hard inquiries listed on my credit report. These inquiries were made without my knowledge or consent, and I believe they are a result of misuse of my personal information, possibly constituting identity theft. These inquiries were triggered after I visited a car dealership and authorized only a * * single * * credit check. Without my explicit consent, the dealership distributed my personal information to multiple lenders. I did not authorize these lenders to access my credit. Below are the unauthorized inquiries listed with dates : emove : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-20 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: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am writing to formally dispute multiple unauthorized hard inquiries listed on my credit report. These inquiries were made without my knowledge or consent, and I believe they are a result of misuse of my personal information, possibly constituting identity theft. These inquiries were triggered after I visited a car dealership and authorized only a * * single * * credit check. Without my explicit consent, the dealership distributed my personal information to multiple lenders. I did not authorize these lenders to access my credit. Below are the unauthorized inquiries listed with dates : emove : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : Formal Dispute and Demand for Deletion Account # XXXX To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, regarding the reporting of Account # XXXX on my credit report. 

I dispute the accuracy and completeness of this account for the following reasons : XXXX. The account is reported as a charge-off with a balance, which is contradictory. Under industry standards, a charged-off account should reflect a {$0.00} balance if sold or transferred. This inconsistency misrepresents the debt 's status and damages my creditworthiness. 
XXXX. The high balance reported on this account is not consistent across different reports, which violates FCRA requirements for accurate and consistent reporting of information by furnishers. The inaccurate high balance suggests errors in your data integrity processes. 

These reporting discrepancies are misleading, unverifiable, and in violation of FCRA standards, particularly under 1681e ( b ), which mandates maximum possible accuracy in the information you report. 

Therefore, I formally demand that you : - Conduct a reasonable investigation of this account under FCRA 1681i ; - Provide documented evidence from the original creditor verifying the accurate status and balance ; - DELETE this account if verification can not be substantiated and consistent across all data fields ; - Provide a written response with the outcome of this investigation within 30 days as required by law.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
These accounts were reported under my name without my knowledge or consent. I have never authorized or managed them, and their presence is unacceptable and misleading. I demand immediate clarification on their origin and removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of AmericaXXXX XXXX XXXX has been misapplying my payments, they have threatened foreclosure on my property when it shouldn't be in foreclosure. I have been double paying on property taxes, meaning, I would pay Bank of America in an escrow account that I opted to NOT HAVE in the beginning of my contract but somehow the created one on my account, and I would also pay the property tax office, I have been double-paying. They have sent letters rejecting my payments and I would send them certified and they kept returning the checks, I still have the returned cashier checks. I was in bankruptcy from XXXX to XXXX and they were taking payments from me, outside of the trust company that I was to pay my bankruptcy payments to. All these problems began in the year of XXXX to present. They have destroyed my credit report on numerous occasions reporting derogatory information on my name. I have always made all of my payments on time every time. Currently, I am in litigation with the company because of these problems. Now they want to take the money there and pay off the loan and be done. They have cause so much problems for me.

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Subject : Formal Dispute and Demand for Validation of Debt Under 15 USC 1692g and 1692e * * XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> LVNV FUNDING LLC XXXX, SC XXXX * * Subject : Formal Dispute and Demand for Validation of Debt Under 15 USC 1692g and 1692e * * To Whom It May Concern, This letter serves as a formal dispute of the alleged debt your agency claims I owe and a demand for validation of said debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e.

I am requesting that you provide me with the following documents to substantiate your claim : 1. A copy of the * * purchase agreement * * or * * forward flow agreement * * that establishes your legal right to collect this alleged debt.

2. A complete and itemized accounting of the alleged debt, including the original creditors name, the amount owed, and any fees or interest applied.

3. Proof that the alleged debt was not previously disputed, settled, or discharged.

Under 15 U.S.C. 1692g, I have the right to request validation of the debt, and you are required by law to cease all collection activities until you provide such validation. Failure to provide the requested documentation will be considered a violation of the FDCPA, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

Additionally, 15 U.S.C. 1692e prohibits false, deceptive, or misleading representations in connection with the collection of any debt. If you are unable to provide the requested documentation, it will be clear that your agency has no legal standing to collect this alleged debt, and your continued attempts to do so will constitute a violation of federal law. 

I expect your immediate compliance with this request. You have * * 30 days * * from the receipt of this letter to provide the requested documentation. Failure to do so will result in my filing formal complaints with the appropriate regulatory agencies and pursuing any and all legal remedies available to me. 

This letter is sent without prejudice to any of my rights, and nothing herein should be construed as an acknowledgment of the alleged debt. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX

Company response to consumer: Closed with explanation