vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Account Reporting Violation of FCRA ( 3rd Attempt ) To Whom It May Concern, I am formally disputing inaccurate reporting of my mortgage account with XXXX XXXX XXXX ( Account # XXXX ) ** across all three credit bureaus : Experian, XXXX , and XXXX . Despite previous attempts to have these errors corrected, the discrepancies remain, violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i. 

Errors & Violations Identified : 1. Account Term Discrepancy : XXXX reports 360 months, while XXXX reports 0 monthsa fundamental inconsistency violating FCRA 15 U.S.C 1681e ( b ) ( requirement to ensure maximum possible accuracy ). 
2. Date Last Active Inconsistency : XXXX : XX/XX/year>, XXXX : XXXXviolating accuracy provisions. 
3. Date of Last Payment Mismatch : XXXX : XX/XX/year>, XXXX : 10/01/2024discrepancy suggests unreliable reporting. 
4. Incorrect Payment History : Late payments are reported differently across bureaus. Inaccurate negative marks constitute a violation under FCRA 15 U.S.C 1681i ( a ) ( 5 ) ( A ), which requires unverifiable information to be deleted. 

Legal Precedent & Next Steps Under FCRA 15 U.S.C 1681n & 1681o, failure to correct or remove unverifiable information may result in legal action, allowing me to seek damages. Additionally, given recent lawsuits against Experian and XXXX regarding inaccurate credit reporting ( e.g., XXXX XXXX XXXX ), I am prepared to escalate this matter to : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX  Potential Legal Action This is my final notice before I proceed with a formal complaint. I request an immediate deletion of this inaccurate account or a full investigation into these discrepancies. Please provide written confirmation of the resolution within 15 days. 

I have proof that XXXX remove this account off my credit report so Experian and XXXX should to as well. This is a prime reason of why my consumer rights are being violated and this this account should be deleted 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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I have attempted to get information about my student loans on multiple dates throughout XX/XX/year>. I have waited for over 5 hours just to be hung up on. I am not sure how to get the information that I am attempting to obtain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an accounts opened at XXXX XXXX XXXX {$400.00} # XXXX opened at XXXX, XXXX. XXXX  {$2300.00} # XXXX XXXX, XXXX XXXX XXXX {$400.00} XXXX opened XXXX , XXXX XXXX {$530.00} # XXXX opened XXXX, XXXX  XXXX  {$2200.00} # XXXX opened XXXX .These accounts have resulted in a fraudulent accounts appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agency Equifax What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, account have resulted in a account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-17 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: IL

Complaint narrative:
Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act XXXX  account XXXX  # XXXX XXXX # XXXX XXXX # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts and am unfamiliar with their origins. As per USC 1681g, I am requesting their removal within 15 days. Please find the enclosed documents for reference. Furthermore, there are inconsistencies in account details across the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Addresses that does not belong to me is reporting on my credit report

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 2025-03-17 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: CA

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

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

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

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

Thank you once again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a Truist Checking Account on XX/XX/year> with promo code : XXXX and met all the requirements and still have not received my {$400.00} bonus promotion as stated.

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 monetary relief
Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b 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! 


15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Lvnv funding LLC send me a rest to pay XXXX .I forward a certify letter to proof if the debt mines. They never responded. They keep selling the debt to different company now to XXXX XXXX XXXX XXXX. I also forward a letter to them.they all fail to correspondence. But both have call threatenr me. They going to take me court take my money garnish my wages.with no proof if the debt is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear XXXX, Experian, and XXXX, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to make sure that you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate names : XXXX needs to be spelled with an ( " ) XXXX XXXX as shown on my Birth Certificate. I have no " also known as '' names. 

Please delete the following inaccurate addresses : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The ONLY address that should be reporting is XXXX XXXX XXXX, XXXX, Texas, XXXX Please delete the following inaccurate XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  The ONLY employer that should be reported is " XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies you violate 15 U.S.C 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. XXXX, Experian, and XXXX have in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, or written instructions to do so. These actions have caused my family and me a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance with these particular items that you are reporting under FACTA Title 1 sec. 15

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 2025-03-17 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:
I have spoke to Equifax as recently as today XX/XX/25 regarding my credit score. My credit score has dropped XXXX pts in last few months for no reason ( dropped over XXXX pts in XXXX years ). 

Just to give you my background. I have over 30 years of credit experience ( mortgages and other loans and credit cards ). Never once has I have I ever missed a payment, missed paying a loan off, filed bankruptcy, or any other negative situation. 

The representative told me I do not have enough history and is part what my score is determined by. So I asked to I need to have more credit cards and mortgages to increase my score. She indicated that is may help. 

Please make it make sense. I have never been late on payments or any other negative activity, but I am being punished because I pay my bills on time and keep my balances and accounts to a minimum. 

Credit ratings should be based on payment and account history, not how many accounts I have open. There is no logic to this! 

I am not a XXXX XXXX XXXX XXXX, I am a XXXX XXXX XXXX XXXX  with excellent history!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Filed dispute on XX/XX/XXXX in regards to a refund attempt {$530.00} from a merchant ( XXXX ) using my Coinbase debit card for a transaction originating on XX/XX/XXXX. after several attempts to contact Coinbase and have refund credited to my account Company in question ( COinbase ) elected to conduct an investigation dispite Coinbase being the sole reason the transaction was not completed. during this process i haver been restricted from using my Coinbase card, and have been being charged fees to use the platform that with my membership that i have continued to bed billed for, should not be charged. while still in the 90 day period of this " frivolous '' invesitgation a seperate merchant for unrelated reasons ( XXXX  ) has also issued a refund in the amount of {$210.00} to a card that i have XXXX access to. the refund aamount from XXXX was {$530.00} purchased on XX/XX/XXXX and XXXX was apart of a larger order on XX/XX/XXXX. regardless no credit has been issued at all during this process even after mentionng and requesting such action fully within reasonabillity as refunds rejected by the original payment 's financial institution ( Coinbase ) is and was the sole proprietor of the matter having to be escalated to the security dispute team. after several emails, and phone chat attempts, client has been left with no other foreseeable options than to file this in hopes of fast and insured relief. as is advertised and reiterated, these transactions were not digital currency but transactions completed using XXXX  XXXX which are insured under the FDIC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 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: MI

Complaint narrative:
Subject : Unauthorized Credit Inquiry Dispute Dear Sir/Madam, I recently reviewed my TransUnion credit report and noticed an unauthorized credit inquiry by XXXX XXXX XXXX XXXX XXXX XX/XX/year>. XXXX XXXX XXXX  XXXX XXXX I did not authorize this inquiry and am concerned about potential fraudulent activity. 

Please investigate this matter and remove the unauthorized inquirys from my credit report. 

Thank you for your prompt attention to this matter.

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