vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: WA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( RE : Account # ( XXXX ) To Whom It May Concern, This letter is regarding the above-mentioned account which you are reporting late payment ( s ) 150 days past due as of XX/XX/XXXX on XX/XX/XXXX. This is a formal notice that your claim is disputed. 
I am requesting that you provide me with a copy of any viable evidence showing the account is being reported accurately. I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. I am also requesting validation, made pursuant to the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence showing that my payment ( s ) were late on the above-mentioned dates. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for failing to correct inaccurate negative information, is a violation of the FCRA ; therefore if you can not validate the late payment ( s ), you must request that all credit reporting agencies delete the late payment entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Attached is copy of my credit report. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Last 4 of SSN : XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
It is imperative that this items be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the items that require correction : XXXX XXXXXXXX Balance Owed : {$9100.00} XXXX XXXXXXXX Balance Owed : {$950.00} XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2025-04-12 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: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX. ) Account Name : XXXX XXXX XXXX XXXX Account Balance : XXXX Date XXXX XXXX. ) XXXX XXXX XXXX Account Balance : {$790.00} Date XXXX XXXX. ) XXXX XXXX Account Balance : XXXX Date XXXX INCORRECT ADDRESSES LISTED : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX UNAUTHORIZED INQUIRIES LISTED : XXXX. ) XXXX  XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX  XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX INCORRECT NAMES LISTED : XXXX. ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
I am sending to formally dispute the accuracy and validity of several collection account entries currently listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation and, if appropriate, immediate correction or removal of these accounts from my credit file XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
I am sending to formally dispute the accuracy and validity of several collection account entries currently listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation and, if appropriate, immediate correction or removal of these accounts from my credit file XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$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 2025-04-12 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: TN

Complaint narrative:
I have been informed about the CFPB Equifax Lawsuit that has recently happened, I feel that I was negatively & seriously impacted, hurting & damaging my FICO Scores & chances of credit, after continuing receiving no nonsense response to my earlier dispute especially with the account of XXXX XXXX XXXX { acct. XXXX } {$8600.00}. 

Equifax has failed to remove all errors on my credit report, also Equifax has conducted a " SERIES OF SERIOUS SHAM INVESTIGATIONS '', violating my rights as a consumer to the fullest and also violated The Fair Credit Reporting Act { FCRA } along with The Consumer Financial Protection Act { CFPA } when failing to conduct a proper investigation, improper reinsertion of previous disputed/deleted accounts, engaging in unfair practice where they did not provide clear/detailed explanation as to why results where the results of their investigation, incorrectly disputing errors on my credit report, Equifax has used faulty disputes intake procedures, falling to provide furnishers with consumer submitted documentation and reinserting inaccurate information onto my credit report. 

With this complaint against Equifax, CFPB I asked and demand that you make sure all my accounts be removed & deleted from my credit report on Equifax because I have continually sent disputes & they always reply information verified but failed to prove why to me. 

SO AGAIN CFPB, PLEASE HOLD EQUIFAX ACCOUNTABLE FOR DOING WHATS NECCESARY AND DOING WHATS RIGHT TO THE CONSUMERS, BECAUSE THEY HAVE AFFECTED MANY LIVES CONCERNING FINANCIAL STABALITY. 

THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: DC

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 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 XXXXXXXX List of Unauthorized Inquiries : XXXXXXXX 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A collection account from a company called XXXX XXXX XXXX in the amount of {$3500.00} is being reported on my credit report. I have never had any communication with this company, nor do I recognize the original creditor associated with this debt. I have not received any debt validation notice, and no proof has been provided that this debt belongs to me. 

I am requesting that XXXX XXXX XXXX provide a debt validation letter that includes the following : Documentation that this debt is legally mine. 

A copy of any document with my signature authorizing this debt. 

If the debt was purchased, proof of the chain of ownership from the original creditor to XXXX XXXX XXXX. 

Proof that I had a relationship with the original creditor or owned any account or business with them. 

If they are unable to provide this information, this account must be removed from my credit report as it is unverifiable and potentially erroneous. 

I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ). Failure to validate this debt or continuing to report unverifiable information may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: DC

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 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  List of Unauthorized Inquiries : 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 non-monetary relief
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX  XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX  XXXX XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1500.00}

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 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XX/XX/year> Provisional Credit ReversalXXXX # XXXX {$110.00} XX/XX/year> Provisional Credit Reversal-XXXX # XXXX {$110.00} Provisional credit added twice then they removed it without sufficient notice. They took the funds back without warning the accountholder 72 hours prior to taking the funds back. 

When a bank makes and error the accountholder should win. And they were so shady about it to, not informing the account holder of their intentions. This is not a right of offset situation where their negligence to put a deposit into the wrong account. 

A. They credited my account twice, error number XXXX XXXX. They removed funds without informing the titled account holder with sufficient notice. They tried to cover up their error by not informing the titled account holder then removed funds without disclosing intent. 

This is not an off-set situation. The situation started with a bank error, they added money to an account when they should not have. Then they removed it without warning. Makes one ask, where was the money supposed to be and why are we so careless with our accounting? Or was this some kind of scheme, are there darker secrets at this bank? Should they fall under federal audit? How secure is this bank if they can add to and take funds without consumer notification and warning. 

Banks are required to inform account holders before removing fundsXXXX. The legal basis for withdrawing funds from an individual 's bank account relies on authorization and consentXXXX The Electronic Fund Transfer Act ( EFTA ) in the United States requires companies to secure explicit permission from account holders before initiating electronic withdrawalsXXXX. 

https : //www.fdic.gov/consumer-resource-center/financial-privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-12 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-12 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am disputing the duplicate reporting of a single debt across two different tradelines. My credit reports show : A charged-off account from XXXX A XXXX account from LVNV Funding LLC for the same debt This debt is being reported twice, inflating the severity of my credit history. LVNV Funding purchased this debt and is actively collecting it, while XXXX still shows a charge-off with a {$0.00} balance. This creates a misleading picture and violates the FCRAs requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ).

I request the removal of the duplicate tradeline or written verification from the furnishers that proves both entries are valid. If the debt is valid, it should only appear once.

I have uploaded a full PDF containing both my dispute explanation and supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX - XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I am disputing the continued reporting of old, discharged XXXX XXXX from XXXX XXXX XXXX. These loans were serviced by the XXXX Department of Education/Aidvantage , opened around XXXX and closed by XXXX. 

I applied for and was approved under the Borrower Defense to Repayment program, and these loans were resolved due to XXXX XXXX misconduct and closure. XXXX has already removed the tradelines from my credit report, but XXXX and XXXX continue to report them, despite them being more than 7 years old and resolved through federal discharge.

Under FCRA 605 ( a ), negative information older than 7 years must be removed. Additionally, if the accounts were fully discharged by the Department of Education, they should not reflect any delinquency or derogatory history. 

I am requesting that XXXX and XXXX remove these obsolete or inaccurate XXXX XXXX  tradelines from my credit report to align with federal records and XXXX update. 

I have attached a full dispute letter and supporting documents for review.

Company response to consumer: Closed with explanation