vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Equifax 's Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to formally file a complaint regarding Equifax 's ongoing violation of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 U.S. Code 1681i. Despite my repeated disputes, Equifax has failed to update or modify inaccurate information on my credit report.

The specific issue pertains to an account that is inaccurately reported as [ state the issue, e.g., " open '' instead of " closed '' ], despite evidence confirming its correct status. Under FCRA 1681i ( a ) ( 1 ) ( A ), Equifax is obligated to conduct a reasonable reinvestigation of disputed information and either correct or delete inaccuracies within 30 days. 

Equifax has failed to comply with this requirement, leaving incorrect information on my report and causing unjust financial consequences. Reporting an incorrect account status violates the FCRA, which mandates that credit reporting agencies maintain accurate and up-to-date records. 

I request that this account be removed immediately from my credit report, as Equifax has been unable or unwilling to ensure the accuracy of the reported information.

Attached are the following documents to support my complaint : 1. A screenshot from Equifax confirming no late payments.

2. Correspondence documenting my dispute and Equifax 's failure to act. 



I trust the CFPB will take prompt action to address Equifax 's non-compliance with FCRA regulations and ensure that this matter is resolved immediately. 

Thank you for your attention to this urgent matter. I look forward to your response. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MD

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MD

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized. I urge you to take immediate action to rectify this issue. The attached documents provide further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LVNV Funding, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Debt 15 USC 1692g Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt referenced in your letter. ( Account XXXX : XXXX ). Please be advised that, in accordance with 15 U.S. Code 1692g, I am formally disputing the validity of this debt.

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. Therefore, I respectfully request the following : 1. Proof of the debt : A copy of the original contract or agreement, or other documentation showing that I am legally obligated to repay the debt.

2. Account history : A detailed statement showing the amount you are claiming, including any charges, fees, or interest applied.

3. Verification of your authority : Proof that you are authorized to collect on this debt, such as evidence that you are the original creditor or have been assigned the debt Please be aware that under 15 U.S. Code 1692g ( b ), your collection efforts must cease until you have provided the requested verification. Additionally, if you fail to validate this debt within 30 days from the receipt of this letter, you are required to cease any further collection activities and remove the information related to this debt from my credit report. 

This letter is sent to ensure my rights under the Fair Debt Collection Practices Act are upheld. Kindly acknowledge receipt of this letter and provide the requested information in a timely manner. 

If you fail to provide the necessary validation of the debt, I will take appropriate actions to report your violation of the FDCPA to the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-08 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-08 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:
I discovered this morning that my credit report contains accounts that are completely inaccurate, and I dont understand how or why this happened. Ive checked my report countless times in the past, and this has never been an issue, but now there are discrepancies I cant explain. I tried refreshing the page repeatedly, hoping it was just a technical error, but it wasnt. The problem remains, and Im desperate for someone to carefully examine the documents Ive sent to resolve this once and for all.

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 2025-01-08 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-08 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: MD

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized. I urge you to take immediate action to rectify this issue. The attached documents provide further details.

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 2025-01-08 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: MD

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized. I urge you to take immediate action to rectify this issue. The attached documents provide further details.

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 2025-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
Jefferson Capital systems LLC collection amount is for XXXX this account was open around XX/XX/year> I had no knowledge of this account this is not my account I have no knowledge of this account this account is part of an identity theft this is reported on my XXXX my experience and XXXX as well I would like for this collection too but deleted from all of these credit profiles XXXX experience and XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MO

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX - Account # XXXX to XXXX and XXXX, and I believe that this entry is inaccurate. The payment in question is identified as " late '', but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Repoting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX regarding this account should not be included in my consumer credit.

15 U.S. Codes 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 
Request for Action : If SST/Seedfi can not provide the necessary proof of mailing or deliverry of the required information. I request that this late payments be deleted from my credit report. Faliure to do so will be considered a violation of 15 U.S Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of recieving this notice. 
Late Payments in Question Charge Off as of XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Thank you for your promptattention to this matter. I look forward to your response and information that they disputed late payment entry has been 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 non-monetary relief
Consumer complaint received 2025-01-08 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: MO

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX - Account # XXXX to XXXX and Equifax, and I believe that this entry is inaccurate. The payment in question is identified as " late '', but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Repoting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX regarding this account should not be included in my consumer credit.

15 U.S. Codes 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 
Request for Action : If XXXX can not provide the necessary proof of mailing or deliverry of the required information. I request that this late payments be deleted from my credit report. Faliure to do so will be considered a violation of 15 U.S Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of recieving this notice. 
Late Payments in Question Charge Off as of XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Thank you for your promptattention to this matter. I look forward to your response and information that they disputed late payment entry has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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:
This morning, I discovered inaccurate accounts on my credit report, and I have no idea how they got there. When I checked my credit report as I regularly do, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts remained. Because of this issue, I kindly request a thorough review of the documents I have submitted to ensure I won't have to face this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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:
When I reviewed my credit report this morning, I noticed that some incorrect accounts were listed, and Im unsure how they ended up there. I routinely check my credit report, but this time, discrepancies appeared unexpectedly. I refreshed my browser to check if it was a technical issue, but the errors were still present. To address this, I ask for a careful examination of the documents Ive provided to ensure this problem doesnt happen again.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: TX

Complaint narrative:
They are reporting that the card has a balance and I have paid the balance down to zero They have also reported the incorrect monthly payment for the last XXXX years and Im tired of them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
Earlier today, I found some incorrect accounts on my credit report, and Im unsure why theyve appeared. I checked my report as I normally do, but this time, there were discrepancies I hadnt seen before. I even tried refreshing the browser, thinking it might just be an error, but the inaccurate accounts persisted. I am requesting a detailed review of the documents Ive sent to resolve this matter completely and give me peace of mind.

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 2025-01-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: American First Finance, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX someone took an online loan under my name of {$3200.00} at a bank called American First Finance with an interest rate of 179.50 %. 
I tried calling the bank and they are requesting a lot of personal information from me including soso al security number un order to verify my identity. I never requested a losn from them. They have a contract under my name, but with a fire tent address from another state, which I never lived there. 
They sent me an email with my contract which I never signed. 
The bank does not seem like a real bank and when I looked them up online it looks like a lot of people is going through the same issues. Opening accounts and stealing peoples identity. 
I filed a police report and I am still waiting to resolve this issue.

America First Finance is stealing peoples information and giving fraudulent loans with ridiculous interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief