vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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:
inaccurate information being reported inaccurately requested method of verification such as original documents, signed applications, or forms with no response I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. He also stated that once I receive this information, he would like to review it. Please send ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
inaccurate information being reported inaccurately requested method of verification such as original documents, signed applications, or forms with no response I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. He also stated that once I receive this information, he would like to review it. Please send ASAP

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint to dispute the accuracy of a late payment reported by Equifax on my closed account with XXXX  XXXX. This payment is being reported as late after the account was already paid and closed, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting guidelines. The most concerning issue is the inconsistency across credit bureaus. XXXX  has already removed this late payment after my factual dispute, recognizing the inaccuracy of reporting a late payment on a closed and satisfied account. However, Equifax continues to report this derogatory mark, despite receiving the same evidence. This inconsistency in reporting is misleading and negatively affects my credit profile and score. According to Metro 2 Format, once an account is closed and paid in full, Field XXXX ( Payment History Profile ) should no longer reflect delinquency, and Field XXXX ( Account Status ) must correctly reflect that the account is closed with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-05-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Reviewing my credit report, I noticed several hard inquiries that I did not authorize. I took immediate action by disputing them through the proper channels, but my request was unfortunately denied. These inquiries were made without my knowledge or consent and are the result of identity theft. I have completed the necessary steps to report the fraud and secure my information. I respectfully request that these unauthorized inquiries be removed from my credit report, as they are negatively impacting my credit and do not reflect my actions.

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 2025-05-27 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted. 
- A copy of my Identity Theft Report and proof of my identity. 
- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2025-05-27 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 respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following 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 non-monetary relief
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681XXXX : - Creditor Name : [ XXXX XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX  - ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ LXXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Data Search NY, Inc.
State: VA

Complaint narrative:
Account XXXXXXXX XXXX XXXX XXXXXXXX I'm unaware of this debt, and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX as soon as possible from my report, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
The information being reported is not in line with the accuracy standards required under the Fair Credit Reporting Act. Its either incomplete, outdated, or simply incorrect and that puts it in clear violation of FCRA guidelines. My credit file should reflect nothing but accurate, fully verified data, and this tradeline clearly doesnt meet that standard.

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 2025-05-27 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:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Dispute and Debt Validation Demand XXXX XXXX XXXX Collection Accounts Dear Equifax XXXX Department, I am writing to formally dispute XXXX collection accounts currently appearing on my Equifax credit report under the name XXXX XXXX XXXX. These accounts are : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} These accounts are being reported inaccurately and without proper legal validation. I am demanding that both accounts be permanently deleted from my Equifax credit report based on my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Applicable Federal Consumer Laws : 15 U.S.C. 1692g ( FDCPA ) : Requires debt collectors to provide proper validation of the debt upon request.

15 U.S.C. 1681o ( FCRA ) : Civil liability for negligent noncompliance.

15 U.S.C. 1681e ( b ) : Equifax must ensure maximum possible accuracy.

Regulation F ( 12 CFR Part 1006 ) : Requires detailed itemization of the debt and compliance with communication and validation requirements.

31 U.S.C. 5118 : Supports my right to dispute obligations not properly documented or assigned under my name. 
DEBT VALIDATION REQUEST : This letter also serves as a formal debt validation request to be forwarded to XXXX XXXX XXXX ( as the furnisher ). I hereby request : A full itemized breakdown of the total amount allegedly owed. 
The original contract or agreement bearing my signature. 
Proof of assignment of the alleged debt from the original creditor to XXXX XXXX XXXX. 
A copy of the XXXX XXXX XXXX authorizing XXXX  to collect and report this debt. 
Documentation showing legal ownership and the date of purchase of the account. 
Proof of compliance with Regulation F, including any pre-collection disclosures and itemized statements. 
If the above can not be provided, Equifax is required under 15 U.S.C. 1681i to delete all unverified information from my credit file. 
My Formal Requests : XXXX. Immediately delete both XXXX XXXX XXXX accounts from my Equifax credit report. 

XXXX. Provide me with written confirmation of the deletion or outcome of your reinvestigation. 

XXXX. Ensure these accounts are not reinserted unless verified in full accordance with 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ). 

Continued reporting of these unverifiable accounts violates my federal rights and constitutes grounds for regulatory complaints and legal action, including claims for actual, statutory, and punitive damages under 15 U.S.C. 1681n & 1681o. 

Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
Equifax I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. My personal information has been compromised through Equifax data breach, XXXX data breach. Please REMOVE and BLOCK this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. The fraudulent credit card accounts are as follows : XXXX XXXX, XXXX, XXXX XXXX. Collections I do not owe : XXXX XXXXXXXX XXXX ( XXXX XXXX ) {$800.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) {$490.00}. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On the XXXX of XX/XX/scrub> 2025, I was at my scheduled work shift from XXXX to XXXX at around XXXX, I saw a debit transaction notification of {$480.00}, {$460.00} and {$60.00} consecutively at seconds interval, I was confused while I put a call through to the fraud department of chase bank and explained every detail. Chase bank blocked my account immediately to stop further transactions, at that point I was made to calm down and promised to help me resolve the issue while I should look forward to a temporary credit of the total amount which was {$1000.00} between 3 to 5 business days. After the time frame expired and could not see any temporary credit I put a call through, to my greatest shock they had already denied my case and already close the case giving me a baseless reason that they could not see any fraud and the transaction was done normally. I demanded to talk to the supervisor who said to me to go and get any proof whatsoever to show my location on that very day which I did to reopen my case. After all, the case still got denied cited same reason. Ever since then I Have been calling for the reviews of the case because I can not afford to loose a XXXX in the mist of the horrible financial problem I have paying my school fees out of pocket.I was advised to file a complaint with CFPB For a constructive and lasting solution to my fraud because chase is not treating my case fairly.Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Both loan XXXX and XXXX from LVNV FUNDING LLC are not correct both of the loans below started with XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I took out a line of credit {$9000.00} and a Loan for {$8600.00} back in XXXX and XXXX LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX, SC XXXX XXXX the debt from XXXX XXXX XXXX XXXX XXXX XXXX and that debt reappeared on my credit report but should have fallen off in XXXX and XXXX. The original debt is past XXXX XXXX XXXX and I want this off my reports within 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX XXXX ) that you, the credit reporting agencys block the 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 consist of personal XXXX  card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
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 2025-05-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume 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