vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Subject : Dispute of Inaccurate Late Payment Reporting Account Number : XXXX To Whom It May Concern, I am writing to dispute the late payment ( s ) formally reported on my credit report for the above-referenced account. According to my records, the payment ( s ) reported as late on [ insert specific date ( s ) ] were either made on time or were otherwise inaccurately reported.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, and I request a prompt investigation into this matter. Please provide : 1. Verification and documentation showing when the payment ( s ) were received ; 2. The date the creditor claims the payment ( s ) became delinquent ; 3. A copy of the payment history or billing statement showing the reported delinquency.

If the information can not be verified or is inaccurate, I respectfully request that the late payment entry be removed or corrected in my credit file.

I would appreciate your written response within the 30-day period as required by the FCRA. 
Sincerely, XXXX XXXX

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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX 
Subject : Dispute of Inaccurate Late Payment Reporting Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the late payment ( s ) reported on my credit report for the above-referenced account. According to my records, the payment ( s ) reported as late on [ insert specific date ( s ) ] were either made on time or are otherwise inaccurately reported.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, and I request a prompt investigation into this matter. Please provide : 1. Verification and documentation showing when the payment ( s ) were received ; 2. The date the creditor claims the payment ( s ) became delinquent ; 3. A copy of the payment history or billing statement showing the reported delinquency.

If the information can not be verified or is inaccurate, I respectfully request that the late payment entry be removed or corrected in my credit file.

I would appreciate your written response within the 30 days as required by the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I am writing to formally express my dissatisfaction with how Ally Bank has handled multiple disputes on my account, which have resulted in significant financial inconvenience and a lack of resolution despite repeated inquiries.

I initially filed two separate ATM withdrawal disputes, each for \ {$300.00}, because the ATM failed to dispense funds during both transactions. Ally issued provisional credits, which were then reversed without warning. When I contacted your customer service department for an explanation, I was informed that the disputes were " not found in my favor. '' However, no evidence or reasoning was ever provided to justify this decision, despite multiple requests for documentation. This lack of transparency is unacceptable.

In addition, I have filed disputes for two separate XXXX transactions totaling \ {$160.00} and \ {$260.00}. I have not received the items, and XXXX has confirmed that the orders were not delivered to my address. They also stated that Ally Bank should have processed a refund given the circumstances. Yet, no action has been taken by Ally to resolve this matter, and I continue to receive vague and unhelpful responses when I reach out for updates. 

To summarize XXXX XXXX XXXX XXXX XXXX  Disputes : XXXX XXXX XXXX  \ {$300.00} transactions reversed without proof or explanation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$160.00} and \ {$260.00} items not received, no refund issued, and no meaningful support provided. 

I am requesting : XXXX. A detailed written explanation and supporting documentation regarding the denial of the XXXX XXXX disputes.

2. Immediate escalation and resolution of the XXXX charge disputes in accordance with Allys dispute resolution policy and applicable consumer protection laws. 
XXXX. A timeline for when I can expect a final resolution. 


. I would prefer to resolve this directly and amicably with Ally, but I require your cooperation and a timely response.

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 information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX : {$7300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX : {$1600.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$1600.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: National Credit Systems,Inc.
State: IL

Complaint narrative:
A collection account from National Credit Systems was added to my credit report as a joint debt. The account is related to a previous rental, but I was not the primary leaseholder and do not believe I should be held responsible. I did not authorize being added as a responsible party.

I disputed the account with the credit bureaus, requesting validation from National Credit Systems, but I have not received adequate documentation proving I owe the debt. The balance appears inaccurate, and I have not been shown any signed lease or agreement indicating my legal obligation.

This entry is negatively impacting my credit score. I am requesting that the company either provide valid, verifiable proof of the debt or remove the account entirely from my credit report.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
b'The items listed below are reported on my personal credit file and were\nfound in my reports with credit reporting agency. These items were\nopened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting\nagency (CRA) & data furnisher (DF) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened,authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file.XXXX XXXX XXXX  Balance: $0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

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 2025-05-07 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: MS

Complaint narrative:
From XX/XX/year>, I have tried to fix a verification problem give me access to my account. They will not help! Agents, Supervisors, Tech ( All have be contacted to help with the problem. All will not help! They constantly give me the runarounds! When asked for a supervisor, they either hang up ( because they have problems, did not like answering follow-up questions for proper understanding, or either they have no knowledge of what that are talking about or could care less about proper help )! 
Equifax blocked prospective new creditors and me from accessing my webpage. If I need something else like a house, I could not get it! 


I have verified multiple times through the links sent to my phones ( where you take a picture front and back ) of your license and a selfie. They said, " we don't have it or did not get it! '' After the XXXX time, I stopped complying and asked for other ways of verification. Now, mind you they sent me the link, but when I took the picture ( front and back, along with my selfie on the same link sent to me. How is it that you did not get it? ) What are they doing with my information is what concerns me! I asked and Equifax said, " Our machine does not keep it! '' I have no confidence in this company! 


I was denied credit by XXXX and others financial institutions because it came back frozen, when it wasn't as witnessed by the prospective creditor ( s ). The representatives of said prospective creditors were put on speaker phone with Equifax and me in a conference call. They would not give access under any circumstances! I sent Equifax a certified letter with my personal information. Equifax received the letter friday, XX/XX/year> with tracking. I was at XXXX XXXX XXXX XXXX XXXX XX/XX/year>, with XXXX ( financial ) and XXXX XXXX sales ). XXXX heard the Equifax representative state that they received the certification letter. They said give XXXX minutes for the update. We gave them over XXXX minutes. They still could not pull my report, therefore the other bureaus were gave their reports, but because of Equifax I was knocked out of getting my vehicle. Please help correct this mess! Equifax messes up, but does not care about the fair credit act! 
,

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX : {$7300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX  Balance : {$1600.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XX/XX/XXXX XXXX  Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
I made several payments that have been successfully withdrawn from my bank accounts. I made XXXX payments as XX/XX/XXXX XXXX. They have not been applied and showing up as Misapplication Reversal, misapplied payment.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax, Experian, and TransUnion for their failure to respond to my credit disputes and identity theft reports, in violation of their obligations under the Fair Credit Reporting Act ( FCRA ). Despite submitting disputes and supporting documentation, I have received no response or resolution from any of these credit reporting agencies. 

On XX/XX/XXXX, I submitted disputes to Equifax, Experian, and TransUnion regarding inaccurate information on my credit reports that do not belong to me. Additionally, on XX/XX/XXXX, I sent each agency a second set of letters, including : A Federal Trade Commission ( FTC ) Identity Theft Report ; A copy of my Social Security card ; and Detailed information identifying the fraudulent accounts and inaccuracies I am disputing. 

Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days and respond with the results of their investigation. As of today, XX/XX/XXXX, I have not received any acknowledgment, response, or resolution from any of the XXXX agencies regarding either submission. This lack of action has caused significant frustration and potential harm to my creditworthiness.Furthermore, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), credit reporting agencies are required to provide a written notice of the results of their investigation, including a description of the procedure used to determine the accuracy of the disputed information, within XXXX business days after completing the investigation. Given that Equifax, Experian, and TransUnion have failed to provide any response to my disputes submitted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX they are in clear violation of this statutory requirement, further exacerbating the harm caused by their inaction.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see supporting documents pertaining to Equifax Data Breach. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas. XXXX. 

TransUnion LLC RE : Trafficking Block Request To whom this may concern : I am a victim of trafficking. The information listed below, which appears on my credit report. Now in result to the trafficking these accounts need to block. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within the next four ( 4 ) business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Please send me the notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX XXXX is : Proof of identity Trafficking documentation

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my report, I discovered several unauthorized inquiries that are damaging my credit standing and could significantly harm my financial reputation. 

I have already reported these fraudulent inquiries to the Federal Trade Commission ( FTC ) and have enclosed a copy of the report for your reference. Despite this, these inquiries are still being reported by your bureau, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these inquiries be removed immediately. 
XXXX XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-07 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

XXXX XXXX XXXX. XXXX XXXX  XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

RE : Dispute of Department of Education Records & FERPA Violation Account # : XXXX Dear Sir/Madam : I am writing to formally dispute negative marks on my credit report related to Department of Education records that were reported in violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) XXXX 

I dispute the following items : DEPT OF EDUXXXX  # XXXX Direct violation of my FERPA Right Under FERPA ( 20 U.S.C. 1232g ), educational institutions and the Department of Education are prohibited from disclosing student records without prior written consent. I have not provided such consent for the release of this information to credit reporting agencies. 

Per the Fair Credit Reporting Act ( FCRA )

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am extremely frustrated after checking my credit report this morning and seeing an inquiry I never authorized. I double-checked by refreshing the browser thinking it might be a system error, but it was still there. This is unacceptable, and I want someone to review all the documents Ive submitted right away so I can finally stop worrying about this.

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