vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX XXXX Bankruptcy XXXX, XXXX ) that is inaccurately reported on my Equifax credit file. I sent an initial dispute to Equifax by certified mail, which was received on XX/XX/year>. Equifax responded claiming the bankruptcy was verified, but this is false. 

The bankruptcy court confirmed to me that they do not furnish or verify data to Equifax or any credit bureau. This means Equifax is relying on third-party data brokers like XXXX, which is not a permissible source of verification under the FCRA. 

To protect myself from inaccurate third-party data, I placed a legal security freeze on my XXXX file XXXX XX/XX/year> prior to Equifaxs verification. They had no legal access to XXXX data and still verified the bankruptcy, making this a willful FCRA violation. 

I sent a second certified dispute letter on XX/XX/year>, including full documentation : proof of the freeze, USPS delivery receipt, and a demand for deletion. I gave Equifax 7 days to remove the error or face legal action. 

Equifax is violating the FCRA by : Reporting information that can not be verified with the original source Failing to conduct a reasonable investigation Continuing to damage my credit after being notified.

Im asking that the CFPB intervene and hold Equifax accountable. I am also preparing legal action under the FCRA if this is not corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MO

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: PA

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 2025-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I leased a car through Ally Financial in XXXX of XXXX and made timely payments. My lease ended during COVID. I tried several times to return the car to the dealer but they refused to accept if because of COVID. A few months later they finally took back the car, but Ally Financial is claiming that I now owe a balance of {$2200.00} on the lease. This charge is not because of any wrong doing by me. It accrued because the dealer refused to take back the car! 

Ally Financial posted on my credit reports that I still owe {$2200.00}. It is keeping me from being approved for a mortgage. The error which they refuse to correct has caused me a lot of embarrassment and stress. Since Ally Financial refuses to stop reporting this negative information, I am going to seek resolution through a consumer lawyer. 

Please instruct Ally Financial to email me a copy of my lease contract, and all other correspondence they issued with regard to my return of the leased vehicle. I will then have enough information to retain a lawyer and pursue damages in U.S. District Court. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( C
ivil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( C
ivil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
I completed paying off my federal student loans. I had two loans with Mohela. Loan A says I owe {$26.00} and loan B - {$26.00}. I have a XXXX balance yet it states the I owe XXXX dollars on one of the loans and its due XX/XX/year>. Im afraid even though I owe nothing interest will start to accrue on loan A and I'll be labeled as a delinquent. I've attached a screenshot with proof of my complaint. 

Can you please request Mohela close my account? 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
Its a company card. The company card terms were very complicated and confusing. The card never said it had a payment due then one day it came up and had 60 days late. Hit my credit. I paid it off then it is now in my personal name.

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 2025-04-02 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: IL

Complaint narrative:
I did not ask to be authorized user on the account of XXXX XXXX  with XXXX XXXXXXXX please remove me as authorized user. I called XXXX XXXX and they removed me but its still showing on my credit 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 2025-04-02 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 : XXXXXXXX XXXX XXXX Balance {$500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$430.00} Open Date XX/XX/XXXXXXXX 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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Immediate Deletion of All Accounts and Inquiries & Written Confirmation To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of all accounts, inquiries, and negative items from my credit report in accordance with my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Due to an ongoing lawsuit and violations related to the reporting of these accounts, I am demanding that you remove all reported items associated with my credit profile within five ( 5 ) days of receiving this notice.

Additionally, I require written confirmation that all deletions have been completed. If this request is not met within the specified timeframe, I will take further legal action, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) Pursuing civil litigation for damages resulting from your non-compliance Failure to act promptly will result in immediate escalation. Please provide written confirmation of the deletions to the address above or via email at XXXX within the required timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Immediate Deletion of All Accounts and Inquiries & Written Confirmation To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of all accounts, inquiries, and negative items from my credit report in accordance with my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Due to an ongoing lawsuit and violations related to the reporting of these accounts, I am demanding that you remove all reported items associated with my credit profile within five ( 5 ) days of receiving this notice.

Additionally, I require written confirmation that all deletions have been completed. If this request is not met within the specified timeframe, I will take further legal action, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) Pursuing civil litigation for damages resulting from your non-compliance Failure to act promptly will result in immediate escalation. Please provide written confirmation of the deletions to the address above or via email at XXXX within the required timeframe. 

Sincerely, 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 2025-04-02 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: TX

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The XXXX accounts I listed, which appears on my Experian credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. : 1. 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX. 

2. 
XXXX  XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suttell, Hammer & White, P.S
State: OR

Complaint narrative:
I received a letter from Suttell & Hammer telling me that they were trying to collect a debt from XXXXXXXX XXXX in the amount of XXXX. When I requested validation they sent me only the credit card statements. I requested those again and ask for validation and full information of the debt and they sent me the same credit card statements, They are failing to verify the debt. I attached the documentation I have. On the verification they keep addressing me as XXXX XXXX and that is not my legal name. They are not able to provide the debt is mine with my legal name. They are at this point intimidating me by saying that the letter attached here is how they validate the debt. 

Suttell & Hammer, P.S. can be contacted by phone at ( XXXX ) XXXX, by email at XXXX, or by mail at XXXX XXXX XXXX, XXXX, WA 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 2025-04-02 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: PA

Complaint narrative:
I looked on my credit report and show a collection account that is reporting incorrect information it shows amount higher than the creditor, so I sent in debt validation letter on XX/XX/XXXX and the company receive it on XX/XX/XXXX but never responded the tracking number is 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 2025-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter Finance Company tried to fraudulently and falsify sale of a voluntary repo and make me pay an incorrect amount. The XXXX owner of vehicle was NOT an auction sale but commercial. Vehicle was surrendered due to inability to pass State inspection due to Hurricane Helene flood damage. I reported to the Finance company, to pick up vehicle XX/XX/year>, finance company picked up vehicle over XXXX  days later and added late fees to credit report falsely and charged interests to deceive consumer. Per all proof attached per FTC PLEASE REMOVE DEBT FROM ALL THREE CREDIT REPORTS FOR INTENTIONAL FRAUD AND ABUSE OF POWER TO DECEIVE CONSUMER TO REPAY DECEITFUL AMOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: UT

Complaint narrative:
We sent in a payment to settle the debt and I called on several occasions with the representatives refusing to give me a date as to when the payment would post. I spoke with XXXX XXXX and also XXXX XXXX who both refused to give me a date when our payment would post. XXXX then hung up on me when I said I would wait on hold for the information.

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 2025-04-02 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief