vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX, ( XXXX ), ( XX/XX/XXXX ), I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX XXXX : Account number : XXXX, Opened Date : XX/XX/XXXX, an Balance {$270.00} XXXX : Account number : XXXX, Opened Date : XX/XX/XXXX, an Balance {$0.00} XXXX : Account number XXXX XXXX, Opened Date : XX/XX/XXXX, an Balance {$0.00} XXXX XXXX  : Account number : XXXX, Opened Date : XX/XX/XXXX, an Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts listed above are fraudulent and have led to numerous unauthorizedhard inquiries and derogatory collections appearing on my FICO credit report. These entries areunequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safeguardingconsumer data has enabled identity thieves to exploit my personal information. I expect immediateaction to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligationwill compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
I am a victim of a scam which has been identified and lawsuit filed by the FTC. Please see the letter I received from the FTC attorney below. The fraud was from Growth Cave also doing business under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( " XXXX '' ). The scheme was to offer services they did not provide and get victims to signup for a loan with their partner company XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( " XXXX '' ) to pay for the service. The loan money went straight to XXXX XXXX and I was stuck with a loan and no service. 

The FTC has filed a lawsuit XXXX XXXX XXXXXXXX. 

Unfortunately, Experian and Transunion both have not removed this account XXXX. 

XXXX from FTC Attorney XXXX afternoon, I hope you are doing well. I am reaching out with an update on the XXXX XXXX matter. 

We recently filed a lawsuit against XXXX XXXX. You can read more about the case on our website here : FTC Takes Action to Stop Sprawling Growth Cave Business Opportunity and XXXX XXXX XXXX XXXX Federal Trade Commission We are still in the early stages of the lawsuit and so far we have obtained a temporary restraining order to stop Growth Caves bad business practices. Thank you so much for the time and effort you put into speaking with us and signing a declaration. We really appreciate your help putting together a strong case. 

We do hope to seek monetary relief from XXXX XXXX at a later stage of the lawsuit. We will provide more information when we reach that stage. In the meantime, please feel free to contact me with any questions. 

Best, XXXX XXXX. XXXX Attorney Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Phone : ( 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 non-monetary relief
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer dispute. 

I recently reviewed my credit report and noticed inaccurate reporting of late payments on the following account : Account in Question : XXXX XXXX XXXX 

Account # : XXXX Date Opened : XX/XX/2022 Balance : {$7100.00} Status : Open, Current Issue : Three incorrectly reported late payments despite being paid on time. 

Violations and Discrepancies : Failure to Maintain Accuracy : The reported late payments contradict my actual payment history. Per 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum possible accuracy in consumer reports.

Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i, credit bureaus must investigate disputed items. I request a full explanation of the verification process used to confirm the alleged late payments.

Violation of 15 U.S.C. 1681s-2 : Furnishers of information must report accurately. Reporting late payments where none exist is a violation of federal law. 

Failure to Provide Investigation Details : Credit reporting agencies must provide a description of their investigation methods upon request. I expect a full breakdown of how this account was verified and what documentation was used. 

Truth in Lending Act ( TILA ) Violation : According to 15 U.S.C. 1666 ( b ), I request written confirmation of the procedures in place to ensure that periodic statements were mailed at least 21 days before the due date, as required by law. 

Requested Action : Correction of Late Payment Reporting : I demand the immediate correction of my XXXX XXXX XXXX account to reflect a status of Paid As Agreed, Never Late. 

Written Confirmation of Investigation Methods : Provide a description of the procedures used to verify this account and the documentation supporting the alleged late payments. 

Removal of Inaccurate Late Payments : If the late payments can not be verified with original, signed contractual evidence, they must be removed from my report immediately. 

Compliance with FCRA Response Timeline : As required by law, provide a response within 30 days from the receipt of this dispute letter. 

Failure to address this matter promptly will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and possible legal action. Your cooperation in ensuring the accuracy of my credit report is both expected and required under federal 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 2025-03-21 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: NJ

Complaint narrative:
I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer dispute. 

I recently reviewed my credit report and noticed inaccurate reporting of late payments on the following account : Account in Question : XXXX XXXX XXXX 

Account # : XXXX Date Opened : XX/XX/2022 Balance : {$7100.00} Status : Open, Current Issue : Three incorrectly reported late payments despite being paid on time. 

Violations and Discrepancies : Failure to Maintain Accuracy : The reported late payments contradict my actual payment history. Per 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum possible accuracy in consumer reports.

Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i, credit bureaus must investigate disputed items. I request a full explanation of the verification process used to confirm the alleged late payments.

Violation of 15 U.S.C. 1681s-2 : Furnishers of information must report accurately. Reporting late payments where none exist is a violation of federal law. 

Failure to Provide Investigation Details : Credit reporting agencies must provide a description of their investigation methods upon request. I expect a full breakdown of how this account was verified and what documentation was used. 

Truth in Lending Act ( TILA ) Violation : According to 15 U.S.C. 1666 ( b ), I request written confirmation of the procedures in place to ensure that periodic statements were mailed at least 21 days before the due date, as required by law. 

Requested Action : Correction of Late Payment Reporting : I demand the immediate correction of my XXXX XXXX XXXX account to reflect a status of Paid As Agreed, Never Late. 

Written Confirmation of Investigation Methods : Provide a description of the procedures used to verify this account and the documentation supporting the alleged late payments. 

Removal of Inaccurate Late Payments : If the late payments can not be verified with original, signed contractual evidence, they must be removed from my report immediately. 

Compliance with FCRA Response Timeline : As required by law, provide a response within 30 days from the receipt of this dispute letter. 

Failure to address this matter promptly will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and possible legal action. Your cooperation in ensuring the accuracy of my credit report is both expected and required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
ERRONEOUS AND INACCURACIES ARE BEING REPORTED 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 2025-03-21 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OR

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against Mohela, XXXX, XXXX, and XXXX for the continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

Complaint Details : Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

Failure to Verify Legitimacy of Debt Mohela has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by Mohela. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: MI

Complaint narrative:
I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. 

Here 's the wrong info : XXXX  - XXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXX XXXX XXXX XXXXXXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
I demand the prompt removal of these unauthorized inquiries from my credit report, as they are hindering my ability to secure loans and obtain credit. Additionally, I would appreciate confirmation or supporting documentation once this issue has been addressed. 
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 XXXXXX/XX/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 2025-03-21 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Against TransUnion for Failure to Correct Inaccurate Late Payments on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for failing to correct inaccurate late payments information on my credit report. These late payments are incorrect, as I have never missed a payment on ANY of the accounts in question. Despite my repeated efforts to resolve this issue directly with TransUnion, including submitting both a physical dispute letter by mail and an electronic dispute through their online portal, the inaccurate information has not been corrected.

TransUnions failure to correct these errors violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : Section 1681i ( Reinvestigation of Disputed Information ) : TransUnion is required to investigate disputes within 30 days. They have failed to properly address my dispute or resolve the inaccuracies. 
Section 1681e ( b ) ( Accuracy of Information ) : TransUnion must ensure the information they report is accurate. Their failure to correct the false late payments constitutes a violation of this obligation.

Section 1681i ( a ) ( 1 ) ( A ) ( Resolution of Disputed Information ) : TransUnion is obligated to resolve disputes in a timely manner and inform the consumer of the results. They have failed to respond or update my credit report accordingly.

Section 1681n ( Civil Liability for Willful Noncompliance ) : TransUnions failure to address these inaccuracies may constitute willful noncompliance, which could make them liable for damages under the FCRA.

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 2025-03-21 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. 

UNAUTHORIZED INQUIRY : XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
On or around XX/XX/year> I requested validation of this debt, and no proof has been provided within the required timeframe under FDCPA Section 809 ( b ). I dispute its validity and request its removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: UPGRADE, INC.
State: MS

Complaint narrative:
violation of 15 USC 1681g - Failure to provide full disclosure. remove from my credit report XXXXXXXX XXXX XXXX  Account Number : XXXX {$2900.00} Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: VA

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 XXXX  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 response to consumer: Closed with explanation