vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: NY

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE 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 DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX - XXXX * * * *, DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX - XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE 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 DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX - XXXX * * * *, DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX - XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated 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 non-monetary relief
Consumer complaint received 2025-04-24 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate 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 explanation
Consumer complaint received 2025-04-24 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 writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate 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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-24 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: Diverse Funding Associates LLC
State: TX

Complaint narrative:
The collection account being reported by XXXX XXXX is the result of identity theft and does not belong to me. I have no legal obligation to this company, and this account should not appear on my credit report. Additionally, I was never provided with any form of debt validation, which is required under the Fair Debt Collection Practices Act ( FDCPA ). When I contacted the original creditor listed on my credit report, they were unable to verify the balance being reported or provide documentation showing that the debt was sold to XXXX XXXX. 

I specifically requested copies of any correspondence that should have been sent to me regarding the alleged transfer of this accountnone have been provided. Because this alleged debt has not been fully validated with the necessary documentation ( including a signed agreement, complete itemization of charges, and proof of assignment ), I am demanding that this account be deleted from my credit file immediately. 

Continuing to report this account without proper verification is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have been affected by identity theft, resulting in the appearance of false and unauthorized information on my TransUnion credit report. My Social Security number and other personal identifiers were used without my consent, leading to the reporting of fraudulent accounts and credit inquiries. These entries have harmed my credit profile and were added without my knowledge or proper validation. Although I have previously requested their removal, TransUnion still reports this inaccurate information. I do not wish to place a fraud alert but am insisting on the immediate deletion of all fraudulent accounts and inquiries.

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 2025-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Capital One Customer Service Team, I hope this message finds you well. I am writing with sincere humility and respect to request a goodwill adjustment regarding late payments that have been reported on my Capital One account. 

Over the last few years, I have endured an incredibly difficult and emotionally taxing XXXX XXXXhat lasted over XXXX years. As a single mother of XXXX children, this legal battle placed a substantial financial burden on meespecially due to extensive attorney fees and the abrupt transition to single-income household responsibilities. During that season of hardship, I encountered moments where I fell behind on payments. 

I want to be clear : I take full responsibility for my account. My late payments were never a reflection of neglect or disregard, but rather the result of temporary financial instability during one of the most challenging times in my life.

Since then, I have worked diligently to restore my financial footing, and I am committed to keeping my Capital One account in good standing. Ive been making every effort to stay current and make timely payments moving forward.

Today, Im asking for your compassion and extended grace in this matter. The late payments on my credit report are affecting my ability to secure safe, adequate housing for myself and my children. As I continue to rebuild, having those marks removed would be a meaningful help in creating stability for my family. 

Please consider this request for a goodwill adjustment. I deeply value my relationship with Capital One and would appreciate the opportunity to begin the next chapter of my financial journey with a clean slate. 

Thank you for taking the time to read this and for your consideration. I am grateful for any understanding you can offer. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: Early Warning Services, LLC
State: TX

Complaint narrative:
The account with XXXX XXXX XXXX Bank ( account ending in XXXXXXXX XXXX XXXX ) currently reflects a {$0.00} balance, indicating that the matter has been resolved and that no debt is outstanding. As there is no longer any financial obligation associated with this account, I am requesting that this entry be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CO

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 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 2025-04-24 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: CO

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 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 2025-04-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
Chapter XXXX Bankruptcy XXXX Reference # : XXXX DateFiled : XX/XX/XXXX Chapter XXXX Bankruptcy Dismissed Reference # : XXXX Date Filed : XX/XX/XXXX CAPITAL XXXX XXXX * * * * Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Reference # : XXXX DateFiled : XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 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 2025-04-24 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: MA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
l did not authorize the dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX to check my credit and they did it without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Im a XXXX XXXX XXXXXXXX Veteran with a XXXX XXXX XXXX, the company continues to destroy my credit I already struggle to just get by yet they continue to destroy my credit and is why Im going through the cfpb. Im not able to get medical supplies needed through certain programs because this debt collector keeps me down and causing me to pay higher deposit for necessities that I need to live. I wont ever have the money Im unable to work and Im unable to live at an average existence because LVNV has hurt me bad on my credit for a debt they bought. If need be Ill have a lawyer from American XXXX Act help me to sue LVNV for the mental and distress they have caused me with not being able to get my medical or to live at a decent level because of what they have done to me. I was advised to write to company through cfpb to see if it need to be escalated through an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation