vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: MD

Complaint narrative:
Incorrect Debt Reported by Debt Collector ( XXXX XXXX  ) I am filing a dispute regarding a collection account being reported by XXXX XXXX on my credit report. I have no knowledge of this debt, and I have never received proper documentation or verification of its validity. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute any inaccurate or unverifiable information. I am requesting that the credit reporting agency provide proof that this account is being accurately reported, and that XXXX XXXX has validated the debt in accordance with 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 2025-05-06 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NV

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
My credit report contains incorrect personal information, and its directly affecting my ability to get approved for credit. This has been extremely frustrating and unfair, as these inaccuracies are creating unnecessary obstacles in my financial life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if it actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if it actually an account that belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NV

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
First notice was through email ( XX/XX/24 ). I replied with a request for debt validation through certified mail ( XX/XX/24 ). Collector did not provide validation, and continued collection attempts. This time through mail given the address I provided when first contacting for validation. They then put this on my credit report. 

Very vague about any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I'm writing to dispute a fraudulent account that has been reported under my name and appears on my credit report. This account is the result of unauthorized use of my identity, and I had absolutely no involvement in opening or using it. Let me be clear : I did not authorize this account, and I had no knowledge of it until reviewing my credit file. This is identity theft, plain and simple, and I will not be held responsible for someone else 's actions.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-05-07 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am writing to formally state that PNC Bank has been holding funds from a check deposited into my account since XX/XX/year>. Despite multiple attempts to resolve the issue, I have been repeatedly given the runaround with no clear resolution. These funds are critical for my living expenses, and due to this delay, I am now facing the risk of homelessness. I urgently request immediate action to release my funds and prevent further hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
I am filing a complaint against Equifax and the data furnisher Local Government ECU for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in the handling of a disputed charge-off account appearing on my credit report. 
The account number in question ends in * XXXX. Despite my formal dispute, Equifax marked the account as verified as reported without providing any meaningful evidence. Equifax did not conduct a reasonable investigation and relied on automated responses from the furnisher. No original contract, signed documentation, or payment record has ever been provided to support the existence or accuracy of this debt.

My complaint includes the following violations : Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) Equifax failed to independently verify the information. They did not provide the original signed contract or any documentation supporting the debts accuracy.

Failure to Provide Full Disclosure ( FCRA 609 ) I requested full verification of the account, including contracts and payment history, which was not provided.

Reporting Inaccurate and Unverifiable Information ( FCRA 623 ) The data furnisher has not provided legally required proof of the debts validity.

Continued Reporting After Dispute Without Verification Equifax continues to report this account even though it remains in dispute and unverified. 


I have attempted to resolve this directly with Equifax, but they failed to take proper corrective action. I am requesting that the CFPB investigate this matter and ensure the account is deleted from my credit report for non-compliance with federal law. 

I am requesting the full deletion of this account from my credit report and a written confirmation that Equifax and Local Government ECU have corrected the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: LA

Complaint narrative:
Re : Discrepancies in Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding discrepancies found in my credit report, which was accessed on [ Insert Date of Report ]. The credit report was provided by the three major credit reporting agencies : TransUnion, Experian, and Equifax. 

Nature of the Complaint : The discrepancies I have identified in my credit report are as follows : Current Address Mismatch : TransUnion : XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Experian : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Equifax : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : The credit reports from TransUnion and Equifax list the ZIP code as XXXX, while Experian lists XXXX. This difference may cause confusion and affect the accuracy of my credit report. 

Inconsistent Previous Address : TransUnion : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Experian : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Equifax : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Issue : Experian lists an extended ZIP code ( XXXX ) for my address at XXXX XXXX XXXX, while TransUnion lists only XXXX XXXX Additionally, Equifax lists a completely different address ( XXXX XXXX XXXX XXXX ). These inconsistencies should be addressed. 

Requested Resolution : I respectfully request that each credit reporting agency : Investigate and correct the discrepancies regarding my current and previous addresses. 

Provide confirmation of any changes made, including updates to my address information, so that my credit report reflects accurate data. 

If any information can not be verified, I request that it be removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to receiving confirmation of your investigation and the actions taken. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: LA

Complaint narrative:
Re : Discrepancies in Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding discrepancies found in my credit report, which was accessed on [ Insert Date of Report ]. The credit report was provided by the three major credit reporting agencies : TransUnion, Experian, and Equifax. 

Nature of the Complaint : The discrepancies I have identified in my credit report are as follows : Current Address Mismatch : TransUnion : XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Experian : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Equifax : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : The credit reports from TransUnion and Equifax list the ZIP code as XXXX, while Experian lists XXXX. This difference may cause confusion and affect the accuracy of my credit report. 

Inconsistent Previous Address : TransUnion : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Experian : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Equifax : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Issue : Experian lists an extended ZIP code ( XXXX ) for my address at XXXX XXXX XXXX, while TransUnion lists only XXXX XXXX Additionally, Equifax lists a completely different address ( XXXX XXXX XXXX XXXX ). These inconsistencies should be addressed. 

Requested Resolution : I respectfully request that each credit reporting agency : Investigate and correct the discrepancies regarding my current and previous addresses. 

Provide confirmation of any changes made, including updates to my address information, so that my credit report reflects accurate data. 

If any information can not be verified, I request that it be removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to receiving confirmation of your investigation and the actions taken. 

Sincerely,

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 2025-05-06 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: TX

Complaint narrative:
My credit report contains incorrect personal information, and its directly affecting my ability to get approved for credit. This has been extremely frustrating and unfair, as these inaccuracies are creating unnecessary obstacles in my financial life.

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Im disputing TD Banks denial of my fraud claim involving two unauthorized {$620.00} transactions. The claim was denied based on incorrect assumptions, including the false statement that I had my card at the timewhich I did not. Even after correcting this and resubmitting the dispute, it was denied again for speculative reasons. I was never contacted for additional information, and I believe a proper investigation was never done. This experience has made me question TD Banks ability to protect its customers from fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NV

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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