vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They have told me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings show that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
To Whom It May Concern, Im writing to formally demand that you update and correct the personal information listed on my credit file. Despite previous requests, outdated addresses, phone numbers, name variations, and employment information are still being reported. I was previously told these couldn't be removed because they were attached to accounts. That is no longer the case. I have confirmed that all my current creditors now reflect my correct and current information. 

Therefore, I am requesting the following be permanently removed : All outdated or incorrect addresses Any name variations that are not my legal name All outdated or unverified phone numbers Any and all employment history The only information that should remain on file is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : Do not report Employment : Do not report Under the Fair Credit Reporting Act ( FCRA ), specifically 602, 607, 609, and 610, I have the right to dispute and correct inaccurate personal data. Keeping outdated personal information on my report not only misrepresents me but also creates unnecessary barriers in managing my credit profile. This is not a requestit is a legal demand for compliance. 

If any of this information originated from third-party reporting agencies such as XXXX, XXXX, XXXX, XXXX, or others, you are responsible for correcting or instructing me how to dispute with them directly. 

Please provide written confirmation once these corrections have been made. Im attaching a copy of my drivers license and a recent utility bill for proof of identity and address. 

Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), and if necessary, further action under FCRA 616 and 617 for willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, Im writing to formally demand that you update and correct the personal information listed on my credit file. Despite previous requests, outdated addresses, phone numbers, name variations, and employment information are still being reported. I was previously told these couldn't be removed because they were attached to accounts. That is no longer the case. I have confirmed that all my current creditors now reflect my correct and current information. 

Therefore, I am requesting the following be permanently removed : All outdated or incorrect addresses Any name variations that are not my legal name All outdated or unverified phone numbers Any and all employment history The only information that should remain on file is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : Do not report Employment : Do not report Under the Fair Credit Reporting Act ( FCRA ), specifically 602, 607, 609, and 610, I have the right to dispute and correct inaccurate personal data. Keeping outdated personal information on my report not only misrepresents me but also creates unnecessary barriers in managing my credit profile. This is not a requestit is a legal demand for compliance. 

If any of this information originated from third-party reporting agencies such as XXXX, XXXX, XXXX, XXXX, or others, you are responsible for correcting or instructing me how to dispute with them directly. 

Please provide written confirmation once these corrections have been made. Im attaching a copy of my drivers license and a recent utility bill for proof of identity and address. 

Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), and if necessary, further action under FCRA 616 and 617 for willful noncompliance.

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 2025-06-24 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:
I am submitting this dispute to request the removal of a late payment entry that I believe has been inaccurately reported. I have always been diligent about submitting payments on or before their due dates, and this situation is inconsistent with my documented payment behavior. After reviewing my financial records and transaction timelines, it is evident that the payment was not late.

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 2025-06-24 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: KY

Complaint narrative:
My personal and financial information was compromised violating FERPA. i request full cancellation of these accounts and debt. I have reached out to the credit bureaus detailing this information and they failed to conduct a reasonable investigation

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 2025-06-24 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-24 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: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
This inquiry has no permissible purpose to be on my credit report. Delete this inquiry Due to violation of 15 USC 1681b

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV bought debt with incorrect amounts These were secured credit cards that had cash deposits that I was not able to charge above and beyond the credit amount. 
I had XXXX and had XXXX XXXX  during these years and there was no balance. The collections have added tons of charges in late fees and interest when the cards were closed. 
Its impossible to owe when the limits were secured and only what I paid into. 
Ive been disputing these charges on XXXX XXXX XXXX XXXX since XXXX. 
Its affecting my credit score and preventing me from being approved for an apartment to move into. 
I dont have a contract with LVNV Funding and have never heard of them. 



LVNV FUNDING LLC Opened XX/XX/XXXX {$160.00} LVNV FUNDING LLC Opened XX/XX/XXXX {$690.00} LVNV FUNDING LLC Opened XX/XX/XXXX {$440.00} LVNV FUNDING LLC Opened XX/XX/XXXX {$520.00} LVNV FUNDING LLC {$240.00} Opened XX/XX/XXXX LVNV FUNDING LLC {$450.00} Opened XX/XX/XXXX Show closed accounts Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX PDF Dispute results remain online for approximately 2 years from the completion date. Download now for your records. 
Download dispute results Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XXXX XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX PDF Dispute results remain online for approximately 2 years from the completion date. Download now for your records. 
Download dispute results Confirmation number : XXXX Submitted XX/XX/XXXX XXXX investigation Completed XX/XX/XXXX PDF Dispute results remain online for approximately 2 years from the completion date. Download now for your records. 
Download dispute results Confirmation number : XXXX XXXX XXXX XXXX Submitted XX/XX/XXXX XXXX investigation Completed XX/XX/XXXX PDF Dispute results remain online for approximately 2 years from the completion date. Download now for your records. 
Download dispute results Confirmation number : XXXX Submitted XX/XX/XXXX XXXX investigation Completed XX/XX/XXXX PDF Dispute results remain online for approximately 2 years from the completion date. Download now for your records. 
Download dispute results XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am sending this complaint to SYNCB regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

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 2025-06-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : 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 XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-24 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 message is in regard to a reported late payment on my credit report, which I strongly believe was recorded in error. I have consistently demonstrated responsible financial behavior, and the payment in question was made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
I am reaching out to dispute a hard inquiry that appears on my credit report, which I have no knowledge of and did not authorize. I take my credit profile seriously and maintain careful oversight of my financial activity. After verifying all my credit applications, I can state confidently that I did not initiate any action that would warrant this inquiry. The Fair Credit Reporting Act requires that credit reporting agencies ensure the accuracy and integrity of the data they report. Including an inquiry without proper consumer authorization constitutes a violation of my rights under FCRA Section 604. This inquiry is both damaging and misleading.

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 2025-06-24 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: NJ

Complaint narrative:
I am formally disputing the inaccurate and unverified information currently being reported on my credit file. This reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681e ( b ), as well as Metro 2 reporting standards which mandate complete, factual, and verifiable reporting. 

The derogatory remarks and delinquency allegations attached to my credit file lack proper factual substantiation. You are reporting information that is incomplete, unverifiable, and not supported by legal documentation, which is a direct violation of federal and state law. Your failure to maintain maximum possible accuracy places my consumer rights in jeopardy and exposes me to financial harm. 

I hereby DEMAND that you provide complete and verifiable evidence to support the lawful reporting of each account, including but not limited to : Original signed contracts bearing my signature Full chain of custody of any alleged debt Proper Metro 2 compliant reporting data fields Evidence establishing permissible purpose for any related inquiries Failure to provide such evidence will serve as your admission that these accounts are unverifiable and inaccurate. 

Listed below are the specific accounts I am challenging : Accounts : XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you can not provide legally sufficient documentation, you are REQUIRED to IMMEDIATELY DELETE these accounts and all related inquiries from my credit file to remain in compliance with the FCRA and Metro 2 guidelines. 

This dispute serves as your legal notice. I expect written confirmation of your findings and updated reporting mailed directly to me. Your prompt compliance is expected to avoid further regulatory action or legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-24 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX/XXXX  ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NJ

Complaint narrative:
I am formally disputing the inaccurate and unverified information currently being reported on my credit file. This reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681e ( b ), as well as Metro 2 reporting standards which mandate complete, factual, and verifiable reporting. 

The derogatory remarks and delinquency allegations attached to my credit file lack proper factual substantiation. You are reporting information that is incomplete, unverifiable, and not supported by legal documentation, which is a direct violation of federal and state law. Your failure to maintain maximum possible accuracy places my consumer rights in jeopardy and exposes me to financial harm. 

I hereby DEMAND that you provide complete and verifiable evidence to support the lawful reporting of each account, including but not limited to : Original signed contracts bearing my signature Full chain of custody of any alleged debt Proper Metro 2 compliant reporting data fields Evidence establishing permissible purpose for any related inquiries Failure to provide such evidence will serve as your admission that these accounts are unverifiable and inaccurate. 

Listed below are the specific accounts I am challenging : Accounts : XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you can not provide legally sufficient documentation, you are REQUIRED to IMMEDIATELY DELETE these accounts and all related inquiries from my credit file to remain in compliance with the FCRA and Metro 2 guidelines. 

This dispute serves as your legal notice. I expect written confirmation of your findings and updated reporting mailed directly to me. Your prompt compliance is expected to avoid further regulatory action or legal escalation.

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