vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding the inaccurate and potentially unverifiable reporting of two derogatory accounts on my Equifax credit file. These accounts are : ( 1 ) a collection account from XXXX XXXX XXXX XXXXXXXX with account number XXXX, opened on XX/XX/XXXX, reporting a balance of {$530.00}, and ( 2 ) a charge-off account from XXXXXXXX XXXX XXXXXXXX with account number XXXX, dated XX/XX/XXXX, with a reported balance of {$680.00}. 

Despite previous disputes submitted directly to Equifax, these accounts continue to appear on my credit report without any supporting documentation validating their accuracy or legitimacy. I have not received proof of any signed agreements, contractual obligations, or certified account-level documentation from the furnishers that would justify the continued reporting of these accounts. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required by 15 U.S.C. 1681e ( b ) to ensure that all information it reports is accurate and reflects the maximum possible accuracy. In addition, under 15 U.S.C. 1681i ( a ), Equifax must reinvestigate any disputed item and delete or correct it if it can not be verified. 

The presence of these accounts has negatively affected my creditworthiness and misrepresents my financial behavior. Inaccurate collection and charge-off records can unfairly reduce a consumer 's credit score and harm their ability to obtain financing, employment, housing, and insurance. Continuing to report these accounts without verified evidence and without proper reinvestigation violates my rights as a consumer under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I have a XXXX credit card with XXXX XXXX XXXX XXXX  that is reported as a charge off account which is reporting inaccurately. I was XXXX  days late in XXXX of XXXX when I called to pay off the debt, the account was not charged-off at the time. This charge-off that is reported on my credit is not accurate and is hurting my credit. I do not recall having this debt charge-off, my account should report as current of XX/XX/year> when I paid off the debt, the charge-off remark is inaccurate and extra damaging. Please investigate and place this account in dispute. Please send all validation documents to verify this debt and the account status. If you are unable to do so please remove this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further 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
Consumer complaint received 2025-06-20 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I have a XXXX XXXX credit card, that is reporting inaccurately on my credit report. There are several late remarks on XXXX, XXXX XXXX, and XXXX, XXXX and XXXX of XXXX that are inaccurate and hurting my credit. I don't recall ever being late on this account. In fact, I believe I was on autopay for the entirety of this credit card being open. Please investigate this account, and place it in dispute. Please send me all validation documents and the account statements from the aformentioned months, to prove that I missed those payments. If you are unable to validate these late remarks, or provide any validation documents, please remove this account from my credit report immediately.

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 2025-06-20 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 filing a formal dispute regarding incorrect information on my credit report provided by Equifax Information Services LLC. My credit report contains inaccurate late payment notations for the account XXXX XXXX  XXXX with account number XXXX, which do not accurately reflect my payment history.

Issue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed.

o However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms.

2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.

o Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.

o Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.

o Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.

3. Previous Attempts to Resolve : o I have disputed this directly with Equifax Information Services LLC, sending multiple letters requesting a correction.

o To date, no effective action has been taken to correct these errors.

4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. 
o The failure to properly investigate and correct my dispute violates federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I received a credit report from Equifax that contained errors. I started a dispute case asking for correction. Near the 30 day reply deadline Equifax responded with a form letter saying the were unable to locate the report with the information supplied by me and they required me to submit identifying documents so that they could find my report. ( As they had supplied the original report they clearly can find my report. ) I responded by sending them a copy of the original report containing the errors and also containing all the required information from their own data base that they would need to " locate '' my report. Again, Equifax, near the end of 30 days responded with the same form letter claiming inability to locate my report and requesting identifying documents. 

Clearly Equifax is obfuscating to buy time or is compleatly incompetant. 

Please use your leverage to get them to correct my report. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
i updated my mailing address and they froze my account so i cant use it and its been a week

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Bank of America credit card was used by someone I do not even know and payments where made from bank account I do not own also the payments made exceed my monthly income time XXXX .. no way I could make that size of payments ever .. these places the purchases come from provided I was never in those places.. I dont know XXXX XXXX so you already have who added themselves on to this account.. I never signed this person on to be an authorized user this is credit card fraud. 

Also to send documents through the mail exposing my ssn number through the XXXX XXXX XXXX is also illegal .. attaching photo also attaching a police report and also attaching all documentation required to collect on this I never signed any physical document adding anyone on this account it went through a divorce in XXXX and it was paid in full and never used again nothing was shipped to my house nor was I ever in the places you provided to me to make these purchases .also multiple charges out of state I never leave the state of Idaho I do NOT travel never have so you investigation is going off of someone who signed themselves onto my account and gained access to this account .. you cant provide and written document I signed giving permission to someone else I dont even know you cant report it and you cant collect on it scuttle and hammer cant collect on it nor will talk to me on this account because I requested the same information they couldnt provide it to be because you dont have it and the statue of limititation in the state of Idaho is XXXX years past the last transactions been way over that .. so there for cant be on my credit and high cant collect to me.. you have to find out who this cates is and hold him responsible .. you sent proof that you already know who gained access to the account not my debt the account is mine but the debt is not mine

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 2025-06-20 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: MOHELA
State: NE

Complaint narrative:
XX/XX/year> I am reporting a fraudulent student loan that was added to my credit report without my authorization. I never applied for, accepted, or signed for this student loan, yet it appears on my XXXX XXXX XXXX credit reports. I submitted disputes to both bureaus, and the loan servicer, claiming it is not mine. 
After disputing it, XXXX added a remark code to the account without my consent. This action falsely suggests that I am managing or responsible for the account, which I am not. I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ), as this student loan is the result of identity theft and I am being inaccurately represented.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX RE : URGENT Goodwill Deletion Request Closed Account ( XXXX ) Dear XXXX XXXX XXXX This letter serves as a formal and urgent request for a goodwill deletion of the closed account listed under [ XXXX ], which continues to report negatively on my credit report. I am demanding immediate consideration for the permanent removal of this entry from all three credit bureaus Experian, Equifax, and TransUnion. 

This account has been paid/resolved in full, and there is no legal obligation for you to continue reporting derogatory marks, especially those that are outdated and do not reflect my current creditworthiness. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I am disputing the continued reporting of a closed and resolved account that serves no legitimate purpose other than to unfairly damage my credit. 

I have taken full responsibility for the past, and Ive made significant efforts to rebuild my financial standing. Continuing to report this account only impedes that progress and serves no benefit to your company. I respectfully request that you show goodwill by permanently deleting this closed account from all consumer reporting agencies. 

Should you fail to do so, I am fully prepared to escalate this matter through all available channels, including but not limited to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Im hopeful, however, that we can resolve this matter professionally and without the need for escalation.

Please confirm in writing that you will initiate the deletion of this account from all credit reporting agencies. I expect a written response within 15 days of receiving this letter. 

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 2025-06-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX RE : URGENT Goodwill Deletion Request Closed Account ( XXXX ) Dear XXXX XXXX XXXX This letter serves as a formal and urgent request for a goodwill deletion of the closed account listed under [ XXXX ], which continues to report negatively on my credit report. I am demanding immediate consideration for the permanent removal of this entry from all three credit bureaus Experian, Equifax, and TransUnion. 

This account has been paid/resolved in full, and there is no legal obligation for you to continue reporting derogatory marks, especially those that are outdated and do not reflect my current creditworthiness. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I am disputing the continued reporting of a closed and resolved account that serves no legitimate purpose other than to unfairly damage my credit. 

I have taken full responsibility for the past, and Ive made significant efforts to rebuild my financial standing. Continuing to report this account only impedes that progress and serves no benefit to your company. I respectfully request that you show goodwill by permanently deleting this closed account from all consumer reporting agencies. 

Should you fail to do so, I am fully prepared to escalate this matter through all available channels, including but not limited to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Im hopeful, however, that we can resolve this matter professionally and without the need for escalation.

Please confirm in writing that you will initiate the deletion of this account from all credit reporting agencies. I expect a written response within 15 days of receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Westlake Services, LLC
State: FL

Complaint narrative:
Subject : Dispute and Request for Removal of Unauthorized Credit Inquiries Pursuant to FCRA 15 U.S.C. 1681b To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I did not authorize or initiate any applications for credit with the companies listed below, and I am requesting that these inquiries be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

The following inquiries are being disputed as unauthorized and fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE SERVICE INC : Date XXXX XXXX XXXX XXXX  : Date XXXX Under FCRA 1681b ( c ), a hard inquiry can only be made if I have provided written instructions or applied for credit. Since I did not provide authorization for these inquiries, they constitute a violation of federal law and are negatively impacting my credit profile without cause.

I am requesting the following : 1. Immediate deletion of the unauthorized inquiries from my credit report.

2. A written confirmation that these inquiries have been removed.

3. Disclosure of the source and any identifying information related to these inquiries.

If the inquiries are not removed within a reasonable time frame, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursue legal action under FCRA 1681n and 1681o for willful and negligent noncompliance.

Please consider this letter a formal dispute under the FCRA. I have attached a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my government-issued ID and proof of address. 

I expect your response within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Subject : Dispute and Request for Removal of Unauthorized Credit Inquiries Pursuant to FCRA 15 U.S.C. 1681b To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I did not authorize or initiate any applications for credit with the companies listed below, and I am requesting that these inquiries be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

The following inquiries are being disputed as unauthorized and fraudulent : XXXX XXXX XXXX XXXX : Date XXXX XXXX XXXX XXXX : Date XXXX AMERICREDIT FINANCIAL SERVICES : Date XXXX Under FCRA 1681b ( c ), a hard inquiry can only be made if I have provided written instructions or applied for credit. Since I did not provide authorization for these inquiries, they constitute a violation of federal law and are negatively impacting my credit profile without cause.

I am requesting the following : 1. Immediate deletion of the unauthorized inquiries from my credit report.

2. A written confirmation that these inquiries have been removed.

3. Disclosure of the source and any identifying information related to these inquiries.

If the inquiries are not removed within a reasonable time frame, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursue legal action under FCRA 1681n and 1681o for willful and negligent noncompliance.

Please consider this letter a formal dispute under the FCRA. I have attached a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my government-issued ID and proof of address.

I expect your response within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief