vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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:
To someone who can help me, I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. 

You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

Thanks for your help in this matter. 

XXXX XXXX # XXXX - 15 U.S CODE 1681 ( o ) If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

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 2025-03-08 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: TX

Complaint narrative:
To someone who can help me, I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. 

You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

Thanks for your help in this matter. 

XXXX XXXX # XXXX - 15 U.S CODE 1681 ( o ) If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN I am writing to delete the following information from my credit report. The items I need deleted are in this report. I am a victim of identity theft and did not make these charges. I ask that the listed items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's identity theft affidavit. Please delete the following items as soon as possible. 
FRAUDULENT ACCOUNTS 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 2025-03-08 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Credit Bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX : account number : XXXX : account name : XXXX : account number XXXX : account name : XXXX : account number 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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Demand for Immediate Deletion of Inaccurate/Unverifiable Information Violation of FCRA 15 U.S.C. 1681i ( 5 ) ( A ) To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate, incomplete, or unverifiable information from my credit report in accordance with 15 U.S.C. 1681i ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed incorrect and inaccurate info on my report and requested a proper reinvestigation. As per the law, if any disputed item is found to be inaccurate, incomplete, or can not be verified, it must be deleted from my file. Yet, to my knowledge, these erroneous entries remain on my credit report. 

PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/year> XXXX. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Failure to comply with the FCRA is a direct violation of federal law. You are now on formal notice that if these disputed items are not permanently deleted immediately, I will have no choice but to escalate this matter, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action for willful noncompliance, which carries statutory damages of up to {$1000.00} per violation, along with punitive damages and attorney fees under 15 U.S.C. 1681n. 
Holding you liable for any financial harm caused by your failure to uphold your legal obligations. 
This is your final notice. I demand written confirmation that the disputed information has been deleted from my credit report within 15 days of receiving this letter. If you fail to comply, I will take all necessary legal action without further warning. 

You have been warned. Govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Subject : Demand for Immediate Deletion of Inaccurate/Unverifiable Information Violation of FCRA 15 U.S.C. 1681i ( 5 ) ( A ) To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate, incomplete, or unverifiable information from my credit report in accordance with 15 U.S.C. 1681i ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed incorrect and inaccurate info on my report and requested a proper reinvestigation. As per the law, if any disputed item is found to be inaccurate, incomplete, or can not be verified, it must be deleted from my file. Yet, to my knowledge, these erroneous entries remain on my credit report. 

PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/year> XXXX. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Failure to comply with the FCRA is a direct violation of federal law. You are now on formal notice that if these disputed items are not permanently deleted immediately, I will have no choice but to escalate this matter, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action for willful noncompliance, which carries statutory damages of up to {$1000.00} per violation, along with punitive damages and attorney fees under 15 U.S.C. 1681n. 
Holding you liable for any financial harm caused by your failure to uphold your legal obligations. 
This is your final notice. I demand written confirmation that the disputed information has been deleted from my credit report within 15 days of receiving this letter. If you fail to comply, I will take all necessary legal action without further warning. 

You have been warned. Govern yourselves accordingly.

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 2025-03-08 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: EQUIFAX, INC.
State: TX

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

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

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
i am contacting you to inform you that the account in question does not belong to me. i am not the owner nor do i have any relationship with it. i would appreciate it if you would review this case and take the necessary measures to correct any possible errors. i remain attentive to any additional information you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
So I checked my credit report fairly recently ( 1 week ago ) and I noticed that a debt collection company says I owe money to XXXX XXXX XXXX. And they are attempting to collect a debt on behalf of the company I dont know how this got on my credit report as I have only used XXXX since moving out on my own. 

In summary, here are the issues : Im not familiar with this debt I never agreed anyone to contact me I never authorized any debt to be taken out with my information I no longer want this company to put negative connotations on my credit report when not owed in the first place

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over XXXX  days now, and I have received no response at all. I sent the first notice on XX/XX/year>, then again on XX/XX/year>. Each notice was sent via XXXX XXXX XXXX  and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I owed an apartment complex ( XXXX XXXX XXXX XXXX ) back around XXXX. Well the complex sent the debt over to Rent Recovery Solutions collection agency. I paid the balance off in full XXXX XXXX. Before the payment was made, I asked the rep at Rent Recovery Solutions, will it be deleted off my credit report. The rep states yes, I will have to wait 9O days before it's removed. Well I made the payment. They stated in the meantime they will send me an email Showing that the debt has been paid in full. Incase I wanted to move again, I could show any new property the email showing that it's been paid. However, every time I apply at a new apartment complex, the property always tells me that they see a judgment from XXXX XXXX XXXX XXXX on my credit report. And I always have to explain to them that I paid it off and I will also send the email from Rent Recovery solutions showing that it's been paid in full. So, last week which would've been the last week of XXXX XXXX, I call rent recovery solution to ask them why was they still showing on my credit report even after I paid them In full. The rep tells me oh... it's still on your credit report because what you had owed at the time wasn't {$1.00}, XXXX. She stated that if the debt wasn't over a XXXX dollars they don't remove it. She said that my balance was {$980.00}. Mind you it was over {$1.00}, XXXX once that taxed me. So I told her that's not what the rep told me at the time, she stated that person is no longer there anymore. She stated that it shows closed and paid in full on my report. Ok but I'm Still having issues with moving, with it being on my report. This should be illegal, I already see that they have open lawsuits for violating the Fair Act Use. I just want them To remove it off my credit report. There's no point in keeping it on there, if it's been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SoLo Funds Inc.
State: FL

Complaint narrative:
On XX/XX/year>, XXXX Funds was unable to process my scheduled loan repayment of {$110.00}. I immediately made the payment using XXXX XXXX XXXX directly through XXXX website on the same day. The payment was successfully processed and is reflected in my XXXX XXXX transaction history. I also confirmed with a XXXX agent at the time that the payment had been received. 

However, on XX/XX/year>, XXXX Funds unauthorizedly debited my checking account for the original {$110.00}, plus additional fees. This amounts to a duplicate payment plus fees for the same loan. 

Despite multiple attempts to resolve the issue through XXXX customer support, they have failed to acknowledge my XX/XX/XXXX payment. I have provided screenshot evidence of my XXXX XXXX transaction history and attempted to explain that the payment was made via XXXX XXXX XXXX, not my bank account. XXXX Funds has ignored my repeated explanations and failed to remove my debit card information from their system. 

I am filing this complaint because XXXX Funds has demonstrated poor customer service, a lack of accountability, and potentially predatory financial practices by charging customers duplicate payments and refusing to correct errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Subject : Dispute of Incorrect Charge-Off Reporting and Missing 1099-C Form To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report by USAA Federal Savings Bank XXXX Specifically, the company has inaccurately reported a " charge-off '' for every month in XXXX and some months in XXXX, even though this account was charged off only once. This is a misrepresentation of the actual status of the account and constitutes an error under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I have never received a 1099-C form after the account was written off, which is a legal requirement when a creditor cancels a debt of {$600.00} or more. The failure to issue this form further indicates improper handling of the account and its reporting. 

Due to these discrepancies, I request the immediate removal of the inaccurate charge-off entries from my credit report and a correction of all related records. Please investigate this matter and provide a resolution as soon as possible. 

I appreciate your prompt attention to this matter and look forward to your response. Please provide me with written confirmation of the actions taken regarding my dispute.

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 2025-03-08 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: CA

Complaint narrative:
The address reporting on my credit file is incorrect and I want it removed immediately. I am attaching my current and only address.

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 2025-03-08 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: NY

Complaint narrative:
there are fraudulent/unauthorized inquires on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
there are fraudulent/unauthorized inquires on my credit report

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 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
The account is XXXX. 
On XX/XX/year>, I tried adding my bank information, instead of just using my debit card to bypass the trasnfer fees. I then got an email that my account was frozen. I tried calling customer service, but they were no help. they told me i would reacieve an email shortly. I recieved an email this morning stating that my account has been deactivied. I have a {$800.00} XXXX  balance right now. I asked if i could atleast get the funds and they said they would hold them for XXXX  days. They did not give me options to prove that it was me. I have also researched they they never end up giving it to some of their customers. The {$800.00} was from my sister, to pay for the bills. This is now putting me at finacial risk and they are not helping me in any way. I have offered to prove that it is me, by sending in pictures of my Drivers license, my pass port, my social securiuty, my bank information. ANYTHING they would need to confrim my identity so that I could atleast get the funds. They just continue to tell me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
I am having problems with establishing my login account with Experian. I have used their telephone service and web pages to establish an account. Each time I enter correct data and get a message that they can not process my request because of system problems. 

I tried to obtain a Credit Report from them to review the Phone Number, Zip Code and Mailing Address they are using. I suspect they have contrived data from my father who is XXXX XXXX XXXX ( XXXX ) or my son who is XXXX XXXX XXXX XXXX. We have all shared common addresses over the years. 

I am beyond words with their supposed customer support. It is not possible to talk to anyone. All calls are robotic and limited in capability. Web Sites do not offer corrective actions and are dead ends. I do not have issues with XXXX or XXXX. 

This problem has been occurring on Freezes and UnFreezes. It has been ongoing from XXXX  every since they went from PIN Numbers to login accounts.

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