vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
Dear XXXX, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), I am formally disputing the accuracy, completeness, and verifiability of the following items on my credit report. Each item listed below contains incorrect, outdated, or unverifiable information that adversely affects my credit standing. 
Addresses : XXXX XXXX XXXX, XXXXXXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX These addresses are either incorrect, outdated, or have never been associated with me. Under the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a prompt investigation and remove or correct inaccuracies. 
Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This alleged late payment entry is inaccurate. No valid proof or documentation has been provided to substantiate this derogatory entry, constituting a violation of the FCRA, Section 1681s-2 ( b ), which requires data furnishers to investigate disputes thoroughly and promptly.

Unauthorized Credit Inquiries : The following credit inquiries were unauthorized and made without permissible purpose, violating the FCRA Section 1681b : XXXX XXXX ( XX/XX/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 XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) According to the FCRA Section 1681b , consumer reports may only be furnished with the consumer 's consent or for specific permissible purposes. No authorization or permissible purpose was provided for these inquiries.

Therefore, I demand a complete investigation into these disputed items within 30 days of your receipt of this letter, as mandated by law. Provide proof of verification or immediately delete these erroneous entries from my credit file. Failure to comply with these lawful requests could subject you to penalties under Sections 616 and 617 of the FCRA.

Please send a detailed summary of your findings, along with an updated credit report, to my address listed above upon completion of your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
Dear XXXX, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), I am formally disputing the accuracy, completeness, and verifiability of the following items on my credit report. Each item listed below contains incorrect, outdated, or unverifiable information that adversely affects my credit standing. 
Addresses : XXXX XXXX XXXX, XXXXXXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX These addresses are either incorrect, outdated, or have never been associated with me. Under the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a prompt investigation and remove or correct inaccuracies. 
Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This alleged late payment entry is inaccurate. No valid proof or documentation has been provided to substantiate this derogatory entry, constituting a violation of the FCRA, Section 1681s-2 ( b ), which requires data furnishers to investigate disputes thoroughly and promptly.

Unauthorized Credit Inquiries : The following credit inquiries were unauthorized and made without permissible purpose, violating the FCRA Section 1681b : XXXX XXXX ( XX/XX/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 XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) According to the FCRA Section 1681b , consumer reports may only be furnished with the consumer 's consent or for specific permissible purposes. No authorization or permissible purpose was provided for these inquiries.

Therefore, I demand a complete investigation into these disputed items within 30 days of your receipt of this letter, as mandated by law. Provide proof of verification or immediately delete these erroneous entries from my credit file. Failure to comply with these lawful requests could subject you to penalties under Sections 616 and 617 of the FCRA.

Please send a detailed summary of your findings, along with an updated credit report, to my address listed above upon completion of your investigation. 
Thank you for your prompt attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
This derogatory mark remains on my credit report after the account was sold and repossessed to another collection agency. This account has a XXXX XXXX  and I will like it deleted off my credit report because it doesnt look good to other lenders when Im trying to climb out of a crises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I am formally disputing the inaccurate information reported on my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the reporting of accurate information. Your continued reporting of this inaccurate data is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations, including the reporting of inaccurate information. Furthermore, this is also a violation of the Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1681b, which regulates the permissible purposes for credit reporting and mandates accuracy in reporting. 

Despite my previous disputes, you have failed to correct or remove this information. This is an ongoing violation of my consumer rights, and I demand immediate correction or deletion of the inaccurate data as required by law. Failure to comply with these regulations will result in further legal action.

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 2025-06-03 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: MD

Complaint narrative:
I am filing this complaint to request an urgent investigation into a derogatory item on my credit report that I believe is inaccurate, unverified, or being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I XXXX XXXX I have disputed this with the credit bureaus ( Equifax, Experian, and/or TransUnion ) XXXX but I have yet to receive adequate verification of the debt or its reporting. I have requested validation from the original creditor/collection agency, but they have failed to provide documentation proving ownership, contract, or any record tying me directly to this debt. Yet it continues to negatively impact my score, limiting my financial opportunities.

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 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint to request an urgent investigation into a derogatory item on my credit report that I believe is inaccurate, unverified, or being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I XXXX XXXX I have disputed this with the credit bureaus ( Equifax, Experian, and/or TransUnion ) XXXX but I have yet to receive adequate verification of the debt or its reporting. I have requested validation from the original creditor/collection agency, but they have failed to provide documentation proving ownership, contract, or any record tying me directly to this debt. Yet it continues to negatively impact my score, limiting my financial opportunities.

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 2025-06-03 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: MA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX - XX/XX/XXXX - {$2100.00} XXXX - XX/XX/XXXX - {$930.00} XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XX/XX/XXXX - {$50.00} XXXX - XX/XX/XXXX - {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX - XX/XX/XXXX - {$2100.00} XXXX - XX/XX/XXXX - {$930.00} XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XX/XX/XXXX - {$50.00} XXXX - XX/XX/XXXX - {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1000.00}

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 2025-06-03 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: FL

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1000.00}

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 2025-06-03 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: TX

Complaint narrative:
This morning, I discovered some incorrect accounts on my credit report, and Im unsure of the reason. I routinely review my report, but this time, unexpected errors appeared. I refreshed the page hoping it was a browser glitch, but the inaccurate listings remained. Therefore, I kindly request that the documents I submitted be carefully reviewed so I can stop worrying about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
I went onto my SoFi app on XX/XX/XXXX and could not see my savings account info. I was on it a week ago and all was fine. As I looked further it said something about it being restricted. I called their phone number and was told the account was closed. I said I DID NOT close it. Who closed it and why? She then said that it was restricted due to a violation but didnt know what the violation was. She said they can investigate blah blah. I said NO, you have thousands of dollars of my money and I need to know where it is. She was not very helpful ( her name was XXXX ) so I asked to speak to a supervisor and she told me they would only have the same info. I said I didnt care I wanted to talk to one. After being on hold for 10 min she said someone would call me within 2 to 3 hours. Nobody did. I went online to the website and did a XXXX XXXX chat and was told .. 'there appears too be activity which indicates that the account may have been used in violation of the authorized activity guidelines described in your SoFi bank deposit. For your protection your account has been temporarily restricted. During this time you will not be able to deposit or withdraw from the account, transfer funds or make purchase. '' Then told me to call the number I had already called which I will be doing yet again. This makes absolutely no sense sine I made one initial deposit in XXXX and I have direct deposit every two weeks. I have made NO TRANFERS OR WITHDRAWALS at all!. How can I be in violation when I havent done anything other than initial opening deposit and direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
After reviewing my credit report, I have discovered they're multiple items I believe are inaccurate in regard to late payments. I have maintained timely payments and do not have documentation showing that this payment was past 30 days late. As the Consumer Reporting Agencie, I know you play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
Earlier today, I found unfamiliar accounts listed on my credit report, which was both confusing and unexpected. I regularly check my report and havent seen anything like this before. I even tried reloading the browser in case it was a technical hiccup, but the errors persisted. As a result, Im asking for a thorough examination of the documents I provided to ensure this issue is resolved once and for all.

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 2025-06-03 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: NV

Complaint narrative:
After reviewing my credit report, I have discovered they're multiple items I believe are inaccurate in regard to late payments. I have maintained timely payments and do not have documentation showing that this payment was past 30 days late. As the Consumer Reporting Agencie, I know you play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. 

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 non-monetary relief