vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
Subject : Final Demand for Immediate Update or Permanent Deletion of Student Loan Account Legal Notice of Intent Dear Credit Reporting Agencies, This letter is being sent on behalf of XXXX XXXX to demand immediate action regarding an inaccurately reported student loan account that continues to appear on all three credit reports despite prior notice and submission of documentation showing that the account has been updated and resolved. 

All three credit bureaus have failed to reflect the proper status of this account, which has caused serious harm to XXXX XXXX XXXX credit standing. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, as well as XXXX XXXX right to accurate and verifiable reporting. 

Despite providing proof of the accounts update, none of the agencies have corrected or deleted the information. Due to your inaction and gross negligence : XXXX has been denied a mortgage loan, delaying his ability to secure a home. 

He has also been denied financing for a vehicle, severely impacting his ability to earn and maintain daily responsibilities. 

He has suffered emotional stress, anxiety, embarrassment, and financial instability due to false credit reporting. 

DEMAND FOR IMMEDIATE ACTION : Update the student loan account immediately to reflect the correct status or permanently delete the account from all three bureaus within XXXX hours of receiving this notice. 

Provide a complete copy of investigation logs and verification procedures under FCRA 611 ( a ) ( 7 ). 

Compensate XXXX XXXX in the amount of {$25000.00} for damages, broken down as follows : Emotional distress and mental suffering : {$7500.00} Denial of home loan and vehicle loan : {$10000.00} Harm to creditworthiness and financial disruption : {$7500.00} Failure to respond within the specified XXXX period will result in immediate legal escalation, including a lawsuit for damages, legal fees, and injunctive relief, as well as formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney General.

This is the final opportunity to resolve this issue amicably and without legal consequences. You are now on notice. 

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I now demand arbitration against XXXX XXXX and Experian for violations of 15 USC 1681 and 1692 in their entirety I preserve the rights to all claims in filing this demand for arbitration that all three credit reporting agencies have collectively denied responsibility for any of us inaccuracies or incorrect reporting thereby violating the laws by not doing a thorough investigation with all information being provided to them thereby I am informing the cfpb that I am here by demanding arbitration against these three credit reporting agencies this matter should be expedited do to the severe nature of my allegations

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I received my first payroll check from my new job on XX/XX/year>. I contacted the bank to ask them where my deposit was and the first representative told me that they hadnt received any deposit from our payroll provider paychecks. On the second call, I was told by the representative that the check was there the direct deposit was there and would be released by XXXX XXXX 

Rather than release the funds, they blocked my access to my own account. Ive made multiple cost to them and provided them multiple documents and they refuse to provide access. 

Ive had this account for close to XXXX years with no issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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:
XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MT

Complaint narrative:
My mortgage company is new Rez and they will not and have refused to give me mortgage statements for each month instead they take XXXX months and combine them onto XXXX statement. They are also charging me XXXX fees and when I ask where the charges are they give me dates that I did not make payments and yet theyre charging me return check fees They also have taken late fees and put them in as past due mortgage fees, instead of marking them as late fees, I dont understand how this is Legal and when I asked them about the XXXX fees XXXX they said it was a mistake on their part. My mortgage statement is so screwed up. I dont even know how to read it.

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 2025-04-26 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MS

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Complaint Regarding Unlawful Reporting of Collection and Charge-Off Account by Capital One Dear CFPB Representative, I am writing to formally file a complaint against Capital One and any third-party debt XXXX associated with reporting a charged-off account and/or collections on my consumer credit reports in a manner I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Account in Question : * Creditor Name : Capital One * Original Account Number ( last XXXX digits ) : XXXX * Date of Charge-Off/Collection : XX/XX/year> * Credit Reporting Agencies Impacted : XXXX XXXX XXXX Alleged XXXX : XXXX. Failure to Provide Accurate and Verifiable Information ( FCRA, 15 U.S. Code 1681i & 1681s-2 ) Under the FCRA, XXXX of information ( including Capital One ) must ensure the accuracy and completeness of any information they report to consumer reporting agencies. I have disputed this account directly with the credit bureaus, and no verifiable documentation was provided. Continuing to report unverifiable, outdated, or inaccurate information is a clear violation of 1681s-2 ( b ). 
XXXX. Re-Aging of Debt ( FCRA Violation ) If the date of first delinquency has been altered to make the debt appear more recent than it is, this constitutes re-aginga deceptive practice that violates FCRA reporting rules, particularly the seven-year reporting limit under 1681c ( a ) ( 4 ).

3. Failure to Validate the Debt ( FDCPA, 15 U.S. Code 1692g ) If this debt has been placed with or sold to a third-party collector, I have the right to request a full validation of the debt. If such request was ignored or incomplete, the debt should not be reported or collected upon. 
XXXX. Continued Reporting of a Charged-Off Account with a Balance ( FCRA & FDCPA ) A charged-off account should not continue to accrue interest or reflect an active balance if sold to another entity. Any such reporting is misleading and constitutes inaccurate representation under both FCRA and FDCPA provisions. 

Requested Action : I respectfully request that the CFPB investigate these matters and instruct Capital One and any associated data furnishers to : * Remove the Capital One account from all consumer credit reports. 
* Cease and desist from further reporting or collecting on this debt unless full validation is provided and all FCRA/FDCPA requirements are met. 
* Provide written confirmation of the results of your investigation. 
Please consider this a formal complaint and request for relief. I have attached supporting documents, including my credit reports and previous dispute attempts. 
Thank you for your attention and for helping to ensure that creditors and XXXX adhere to consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: DC

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity. These accounts need to 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 2025-04-26 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: IL

Complaint narrative:
I am disputing inaccurate and outdated reporting on an account with XXXX XXXX. The account was closed and charged off in XXXX, but it continues to be reported with derogatory remarks and inconsistent historical data across bureaus. Despite requesting a reinvestigation, XXXX  shows no reported data for balances, past due amounts, or payment history yet continues to report the account as derogatory. Under FCRA 611, I am requesting deletion due to unverifiable reporting. If the account is considered verified, I am requesting the Method of Verification under 611 ( a ) ( 7 ).

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 2025-04-26 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: 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 XXXX - XXXX List of Unauthorized Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank has called me regarding my XXXX credit card account. They call multiple times per day. Yesterday they called XXXX  times. Today they have called my phone XXXX times. I am unable to answer my phone while working so it is very disruptive to my job. Attached is the call log from this evening. They called earlier this afternoon as well but I erased my call log previously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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 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 2025-04-26 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: TN

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.

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 2025-04-26 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:
the below credit inquiries were not authorized by me, need them removed from all XXXX experian, Equifax, transunion XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX-ran XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- ran XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - ran XX/XX/XXXXXXXX XXXX XXXX XXXX- ran XX/XX/XXXX XXXX ran XX/XX/XXXX XXXX ran XX/XX/XXXX XXXX XXXX _ ran XX/XX/XXXX none of these inquiries were used to open accounts or authorized. please remove this dates inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

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

Company response to consumer: Closed with non-monetary relief