vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX : SSN Date : XX/XX/XXXX Subject : Formal Dispute of Reinserted Account on Credit Report To Whom It May Concern, I am writing to formally dispute the reinsertion of an account on my credit report. This account was previously deleted, yet it has recently been reinserted without the required notification, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Account in Question : Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX  Account Number ( Last XXXX digits ) : XXXX  Date Opened : XX/XX/XXXXXXXX  Date of Original Deletion : XX/XX/XXXX Approximate Date of Reinsertion : XX/XX/XXXXXXXX Under FCRA Section 611 ( a ) ( 5 ) ( B ), I must be notified within five business days if a previously deleted item is reinserted into my credit file. I did not receive such notification. 

I am therefore requesting the immediate and permanent removal of this account from my credit report. Enclosed are copies of my identification and the original deletion notice ( if available ) for verification purposes. 

Please investigate this matter promptly and provide a written response within the 30-day time frame mandated by the FCRA.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : SSN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In XX/XX/year>, Equifax was fined {$15.00} million for improper investigations and failure to comply with FCRA accuracy requirements. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 
XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: OH

Complaint narrative:
I filled disputes about several errors I found on my credit report on XX/XX/year> XX/XX/year> the errors where not removed or properly investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a written dispute to Experian regarding inaccurate or unverifiable information on my credit report on XX/XX/XXXX. As required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Experian was obligated to complete a reinvestigation within 30 days and provide the results. 

As of today, XX/XX/XXXX, Experian has failed to : Conduct a reasonable reinvestigation Provide verification of the disputed item ( s ) Correct or delete the inaccurate or unverifiable account ( s ) Respond within the time required by law This is a direct violation of the FCRA. I am requesting the CFPB investigate Experians non-compliance and require them to : Provide written verification of the account ( s ) in question OR Delete the unverified account ( s ) from my credit report immediately I can provide supporting documentation including dispute letters and copies of my credit report upon request. 

Please assist in ensuring my consumer rights are protected.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: CA

Complaint narrative:
NOTICE OF DEFAULT, ACCELERATION, RIGHT TO CURE, AND PLAN TO SELL PROPERTY ( INVESTMENTS ) Moneylion of CA ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, UT, XXXX Loan ID : XXXX On XX/XX/XXXX, Moneylion of CA and XXXX XXXX entered into a Loan Agreement, pursuant to which XXXX XXXX agreed to make payments each month to repay the balance of the loan. 

AMOUNT DUE NOW : {$180.00} Principal Amount : {$170.00} Interest Amount : {$7.00} Late Fees Amount : {$0.00} NSF Fees Amount : {$0.00} Dear XXXX XXXX, You have failed to make your loan payments as they have come due, and we hereby declare you in default. We will accelerate the unpaid principal balance of your loan if you do not pay {$180.00}, the amount now due, by XX/XX/XXXX, the last day for payment. If you pay the amount due, you may continue paying off your loan as though you were not late. 

If you do not pay by this date, we will accelerate the unpaid principal balance of your loan and sell various securities in your investment account held at XXXX XXXX, ( XXXX  Account XXXX ) to cash and transfer the cash balance to us, privately, sometime after XX/XX/XXXXXXXX  in order to satisfy the debt you owe due to your overdue loan payments. 

Again, you may cure your overdue loan by paying {$180.00} now, but if you do not do so by XX/XX/XXXXXXXX  then your accelerated amount due will be {$480.00} and we will proceed with the liquidation of your investment account. 

The money that we get from the sale to cash, after paying our costs, will reduce or eliminate the amount you owe, depending on the quantity of securities sold and the amount you owe. If we get less money than you owe, you will still owe us the difference. 

If you want us to explain to you in writing how we have figured the amount that you owe us, you may call us at ( XXXX ) XXXX or write us at MoneyLion, XXXX. XXXX XXXX, XXXX, UT, XXXX and request a written explanation. 

If you need more information about the liquidation, call us at ( XXXX ) XXXX or write us at MoneyLion, XXXX. XXXX XXXX, XXXX, UT, XXXX. 

You are entitled to an accounting of the unpaid indebtedness secured by the property that we intend to dispose of. We will send this accounting and notice of deficiency ( if any ) within 20 days of the disposition of collateral. 

This communication is from a debt collector and any information obtained will be used for that purpose.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} Late 60 Days XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
In XX/XX/year>, I discovered that OneMain Financial is reporting a loan account on my credit reports that I did not open or authorize. I have never applied for, received, or signed any agreement for a loan with this company. 

I disputed this account directly with OneMain Financial and requested full validation, including a copy of the original signed loan agreement and account documentation. On XX/XX/year>, OneMain Financial responded but failed to provide any proof or documentation verifying that I am responsible for this alleged account. Their response did not meet the requirements under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 or the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692.

This account is fraudulent and continues to appear on my credit reports with XXXX, XXXX, and XXXX, severely harming my credit. I have also filed an identity theft report with the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX BALANCED {$450.00} XXXX CARD XXXX BALANCED {$2600.00} XXXX XXXX XXXX XXXX BALANCED {$5000.00} XXXX  XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX BALANCED {$450.00} XXXX CARD XXXX BALANCED {$2600.00} XXXX XXXX XXXX XXXX BALANCED {$5000.00} XXXX  XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
I'm dealing with recurring issues when applying for a Loan modification. The mortgage The company often claims I'm missing one or two pages of documentation, even though I've submitted the documents several times. Mortgage your company. impose a deadline You're unaware of, and if you miss this deadline, the mortgage company will cancel your application based on that timeline. Thanks so much

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 2025-08-04 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: NC

Complaint narrative:
This letter is being sent directly from me, the consumer, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am disputing specific accounts on my credit report that were opened as a result of identity theft. This is not a third-party dispute, and I am submitting this letter personally to ensure full compliance with federal law.

Under FCRA 605B, you are required to block all fraudulent information from my report within four business days of receiving proof of identity theft. Additionally, FCRA 611 ( a ) obligates you to conduct a proper investigation of my dispute and respond within 30 days. I also request full disclosure under FCRA 609 ( a ) ( 1 ) ( A ) of all information used to verify these disputed accounts and any results of any previous investigations conducted.

Enclosed you will find a copy of my government-issued ID, proof of address, FTC identity theft reports, and a signed statement under penalty of perjury confirming the accuracy of my claim. These documents should fulfill all documentation requirements under federal law. XXXX BANK XXXX & XXXX BANK XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XX/XX/year> DEAR TRANSUNION I XXXX XXXX HAVE WRITTEN THIS LETTER TO DISPUTE A CLAIM THAT IS FALSELY LISTED ON MY CREDIT REPORT WITH YOUR BUREAU. THE AMOUNT ( S ) OWED ARE NO LONGER OUTSTANDING FOR THE FOLLOWING ITEMS : PARTY OWED : XXXX XXXX AMOUNT : {$1800.00} PARTY OWED : XXXX XXXX XXXX AMOUNT : {$1300.00} PARTY OWED : XXXX XXXX XXXX AMOUNT : {$1300.00} I AM DISPUTING THIS CLAIM DUE TO, I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY, EQUIFAX AND TRANSUNION HAVE REMOVED THESE ACCOUNTS ALREADY. THIS IS MY OFFICIAL REQUEST TO HAVE AFOREMENTIONED ITEM TO BE DELETED OFF MY CREDIT REPORT. ENCLOSED MAY BE ADDITIONAL EVIDENCE TO SUPPORT MY CLAIM SSN 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Date : [ Insert date you file the complaint ] Credit Bureau/Company Being Reported : ( Experian, XXXX, XXXX, XXXX XXXX, etc. ) Type of Complaint : Incorrect information on credit report / Failure to respond to dispute Summary of Complaint : I am filing this complaint against [ Experian XXXX XXXX XXXX / XXXX XXXX/ etc. ] for failure to comply with the Fair Credit Reporting Act ( FCRA ) and/or Fair Debt Collection Practices Act ( FDCPA ). 

On [ insert date you mailed the dispute letter ], I submitted a formal written dispute regarding inaccurate and/or unverifiable information appearing on my credit report. These items included : XXXX  XXXX Charged-off accounts ( {$110.00} and {$1900.00} ) with no contract, payment record, or verification XXXX XXXX / XXXX XXXX ( {$610.00} ) allegedly acquired from XXXX  XXXX Bank XXXX unvalidated XXXX XXXX  Multiple collection accounts ( {$280.00}, {$380.00} ), likely duplicates, no proof of debt ownership or correct dates National Auto Lenders Repossession ( {$10000.00} ) reporting since 2017, likely past legal reporting period XXXX XXXX XXXXXXXX XXXX Closed account with late payments not verified Despite my timely dispute and clear demand for validation, these entities failed to provide any documentation to verify the accuracy, ownership, and reporting of the debt. In some cases, items were marked updated or verified without presenting any supporting proof, which constitutes a violation of : FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Failure to ensure maximum possible accuracy FDCPA 809 ( b ) Failure to validate debts upon request ( for debt collectors ) FCRA 605 ( a ) Reporting of obsolete or outdated information ( repossession ) What Resolution I Am Seeking : Immediate removal of all unverifiable, inaccurate, outdated, and improperly reported accounts A formal investigation by the CFPB into [ credit bureau or collectors ] dispute practices A copy of all documentation used in any verification, if it exists Confirmation that no further reporting or collection activity will occur on the disputed items

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 2025-08-04 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: FL

Complaint narrative:
They violated my rights as a consumer under 15 usc 1681b and I need these items blocked and deleted off my credit report as soon as possible

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 2025-08-04 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: FIRST ADVANTAGE CORPORATION
State: NJ

Complaint narrative:
Charge- Any menace to health of inhabitants of municipality Charge type - Disorderly Person Disposition XX/XX/year> Fine and Costs This case has nothing to do with me. Ive never was made aware of this and Ive never been charged for this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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.

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 explanation
Consumer complaint received 2025-08-04 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction XXXX XXXX XXXX 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 non-monetary relief