vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These XXXX remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights 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 non-monetary relief
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$470.00} Late/Closed XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1300.00} Charge off XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} Late/Closed XXXX XXXX XXXX XX/XX/XXXX {$390.00} Late/Closed XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$9900.00} Charge Off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$64.00} XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$220.00} Collection

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 2025-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc
State: FL

Complaint narrative:
I reached out to XXXX XXXX on XX/XX/XXXX due to having a charge off on my account from this company back in XX/XX/year>. I was trying to take care of this small amount that I apparently owe because it is causing harm to my credit report. I was told the loan was sold to XXXX XXXX a debt collector and I should reach out to them. So I reached out to XXXX XXXX  only to be told they sent the account back to XXXX XXXX .I reached out to XXXX XXXX and they do not have my account either. I have several concerns if this account was closed and sold why is it that possible still claiming this account on my credit report and why is it that neither XXXX XXXX  or XXXX XXXX  have my account information. I have been trying to deal with this in the right way but I believe possible is not operating in good faith and I would like them to removed this from my credit report. I have tried to reach out to possible for anything but they have not returned my last email and their is no phone number you can call to speak to anyone this is completed frustrating

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Tesla, Inc.
State: CA

Complaint narrative:
Subject : Teslas Unfair and One-Sided Credit Reporting Policy Issue : Teslas financing/service agreement states that it does not report payment history to credit bureaus, but also states that late payments or defaults may be reported. This creates an unfair and one-sided policy where I receive no credit benefit for making timely payments, but risk credit damage if I miss a payment. 

Why This Matters : This policy is not transparent in its impact. Consumers like me are led to believe our responsible payment behavior helps our credit, when in fact it does not. Meanwhile, Tesla reserves the right to report only negative activity, which could harm credit scores with no prior warning or opportunity to improve standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention :

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 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-08 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: OH

Complaint narrative:
I want my credit report to only reflect accurate information, which is why its important that you verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I hope you know that I take my credit seriously and Ive worked hard to build my credit, and its frustrating to see it negatively affected by inaccuracies that arent my fault. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never known, nor authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious. Hope you can address this soon to prevent further damage, please.

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 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: MO

Complaint narrative:
I have a collection account from First Credit Services on my credit report. It showed it was opened in XXXX. The date & amount didn't look right so I disputed it with XXXX in XX/XX/XXXX. XXXX updated the opened date to XX/XX/XXXX. First Credit Services then DELETED it from my report & then put it back on with the erroneous XXXX date. When I caught this, I disputed it again. XXXX corrected the date again to opened in XXXX. First Credit Services DELETED it again and AGAIN added it back on with the erroneous XXXX date. This occurred XXXX TIMES ( XX/XX/XXXX, XX/XX/XXXX & now XX/XX/XXXX ). My credit score fell XXXX points because they keep adding it back with the XXXX date, making it look like a new collection. First Credit Services sent me a set of incomplete documents as " verification. '' They sent a copy of a statement from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, missing XXXX XXXXXXXX XXXX XX/XX/XXXX & XX/XX/XXXX. On the XX/XX/XXXX statement it shows my credit line as {$0.00}. On the XX/XX/XXXX statement it shows my credit line as {$700.00}. So the account was closed in XXXX but open in XXXX? How is that? By their own documents sent to me, this account was sold by the original creditor in XX/XX/XXXX, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : 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  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was sent a letter stating that my recent credit card application for Best Buy had not been approved. The thing is that I never applied for a credit card.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Pre-Screen Opt-Out, Security Freeze, and Copy of Consumer Report To Whom It May Concern : I am writing to request the following services regarding my consumer report : 1. Pre-Screen Opt-Out : Please remove my name from pre-approved credit and insurance offer lists. I understand that this opt-out will remain in effect for five years unless I request otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Inaccurate Charge Off Accounts ( TU ) Company Name : XXXX XXXX XXXX XXXX - Reporting Balance : {$1200.00} - Credit Limit - {$1000.00} Company Name : XXXXXXXX XXXX  - Reporting Balance : {$4200.00} - Credit Limit : {$4200.00} I am outraged to find serious reporting errors on my TransUnion credit report that should never have been included. These inaccuracies are not minorthey are actively sabotaging my financial standing and restricting my opportunities. I have disputed these errors before, yet they remain uncorrected. This ongoing failure to maintain accurate records is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), I have a legal right to a completely accurate and verifiable credit report. If these disputed accounts can not be substantiated with irrefutable proof, they must be deleted immediately. I demand a full reinvestigation and expect immediate corrective action. This is not a requestit is a demand for compliance with federal law. Any failure to act will be treated as willful negligence and will not be ignored.

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 2025-04-08 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: WI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX XXXX XXXX XXXX XXXX XXXX, WI, XXXX XXXX River XXXX XXXX XXXX XXXX, XXXX, XXXXXX/XX/XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Charge-off XX/XX/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/ClosedXX/XX/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XX/XX/XXXX ( Original Creditor : XX/XX/XXXXXXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$2000.00} XX/XX/XXXX ( Original Creditor :XX/XX/XXXX) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1600.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$990.00} Collection XXXX XXXX Date Opened XX/XX/XXXX Balance : {$98.00} Collection XXXXXX/XX/XXXXXXXX ( Original Creditor : XX/XX/XXXX) XXXX Date Opened XX/XX/XXXX Balance : {$2200.00} Collection Inquiries in Dispute :XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: WI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX XXXX XXXX XXXX XXXX XXXX, WI, XXXX XXXX River XXXX XXXX XXXX XXXX, XXXX, XXXXXX/XX/XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Charge-off XX/XX/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/ClosedXX/XX/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XX/XX/XXXX ( Original Creditor : XX/XX/XXXXXXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$2000.00} XX/XX/XXXX ( Original Creditor :XX/XX/XXXX) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1600.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$990.00} Collection XXXX XXXX Date Opened XX/XX/XXXX Balance : {$98.00} Collection XXXXXX/XX/XXXXXXXX ( Original Creditor : XX/XX/XXXX) XXXX Date Opened XX/XX/XXXX Balance : {$2200.00} Collection Inquiries in Dispute :XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/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