vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: TX

Complaint narrative:
XXXX XXXX have been trying to report XXXX to me and under a address never lived or been associated with

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 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony sent me an email stating they owe me {$5.00} USD and I don't believe this is the right balance.

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Account SOURCE RECEIVABLES MNG XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide XXXXCertified Mail ' with receipt displaying my signature. If not, please delete account XXXX 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 2025-05-25 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: NY

Complaint narrative:
As per 15usc 1611 Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc XXXX XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXXXXXX XXXX XXXXXXXX. Cc : Federal Trade Commission. Cc : XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX/2025 XXXX XXXX/2025 DXXXX XXXX XXXX/2025 XXXX XXXX XXXX XXXX/2025XX/XX/year>

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute several inaccurate and/or unverifiable entries currently listed on my credit report, which I obtained from your bureau. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe to be incomplete, inaccurate, or not verifiable. I am exercising that right and requesting that you conduct a reasonable investigation into the accounts listed below. 
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 XXXXXX/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 explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I sent four payments to my savings account in the following amounts and on the following dates : XX/XX/year> {$50.00} XX/XX/year> {$200.00} XX/XX/year> {$50.00} XX/XX/year> {$50.00} None of these payments have been deposited into my savings account. I contacted my bank to investigate, and I was informed that there are no pending or completed deposits for these transactions. I am requesting that this issue be reviewed and resolved 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 explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not have a signed contract with the collection agencyXXXX XXXX XXXX XXXX XXXX. I have requested that XXXX prove the legitimacy of this debt. However, I did not receive valid proof that I owe them something. Instead, I received a random notice or invoice with an alleged account number along with a XXXX license number. 

To my knowledge, I reserve the right to ask for an initial signed document of any obligations according to the FDCPA. If they do not provide me a legitimate contract or detail statement with my signature, I request that the debt is remove from all three credit reporting bureaus. 

Subsequently, the debt collector closed the account instead of validating it. Thus, this will remain on my account for many years. Unfortunately, I never received a fair preliminary investigation from Equifax on how they verified accuracy of the account. 

Lastly, the account is reported as RETAIL which inaccurate and Equifax needs to delete it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information that has been reported on my credit report. The account in question was previously deleted and should no longer appear on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTO MARKET OF FLORIDA, CORP
State: NY

Complaint narrative:
I had a auto loan with auto market and have requested multiple times the repossion documents and the final sale value of the car at auction as my credit report still has a balance of XXXX dollars and it is in accurate I have sent multiple emails, phones calls and the do not comply or cooperate and I have the legal right that information and it is by law they have to report accurate information and provide me the documents requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$220000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$220000.00}

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Equifax. 
Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 
XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXI XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX, MI XXXX. I request that my current address be updated accordingly. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
Request for Confirmation : I request that Transunion investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
XXXX XXXX : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Experian is report addresses on my credit report that can't be validated and won't remove them I've tried multiple times at having this inaccurate information removed. According to FCRA 1681i, the credit bureau is required to investigate and verify the accuracy of the disputed information within 15 days. If the data furnisher can not provide sufficient verification, all accounts related to this address must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On or about XXXX XX/XX/year> I purchased a vehicle from XXXX XXXX XXXX XXXXXXXX for {$17000.00}. 

Within 3 months, the car had to be put in the shop at XXXXXXXX XXXX XXXXXXXX. The cost for repairs was more than {$18000.00}. The warranty I brought did not cover it all. 

After these repairs have been made, the Dealership wanted me to come to their place and sign a new contract. I am XXXX XXXX and I refuse to. The guy XXXX me off by trying to frighten me that if I dont it will affect my credit. I told him that I will never sign anything from them since they sold me a XXXX in that car. 

After paying on time since buying the car, I get information from XXXX that my title will be coming for the car, because it has been paid off. I was excited and I thank XXXX above. I got a payoff letter from the finance company, Ally. I am still waiting on my tittle. Ally representative told me that the XXXX paid off my car, so they can manipulate the contract without me knowing. XXXX months after Ally and XXXX dealership manipulated my account, Ally sent a late notice that I am about 3 months behind. Ally told me I had XXXX accounts. Ally aide the dealership in manipulating my account by making another account without my signature or knowledge. 

Presently I am behind and I refuse to consult with the Dealer to whom forged my name for new contract. Ally should have seen the fraud. 

The car is subject to repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
I previously reviewed my credit report and submitted a dispute. The dispute came back as updated but when reviewing it nothing was updated. I had a late payments on an account that i in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I have attached a copy of my report to this complaint on the following date of XX/XX/year> was the discrepancy, and a copy of proof of my payment for that account. I'm now requesting you Investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am being denied bank accounts and credit cards because of a negative report tied to Bank of America and reported by XXXX XXXX XXXX. 

This issue began when I was a minor ( under XXXX ) and was unknowingly involved in fraudulent activity due to online scams. I didnt fully understand what was happening and was not trying to commit fraud. Now, at XXXX, I am working, preparing for college, and trying to build credit but I am blocked from basic financial tools because of this. 

I disputed the information with XXXX XXXX in 2023 and received a letter confirming they believed the report was accurate. I then submitted a written rebuttal, but I never received a response. I have also tried to contact Bank of America to explain my situation, but I have not been offered any resolution or opportunity to resolve or clear my name. 

This old report continues to affect my financial future and well-being. I am asking for help to : Have the record removed or suppressed Receive clear information about how this was verified Be given a fair review considering my age at the time and the fact that I was scammed I am trying to rebuild my life and take control of my future, but this issue is holding me back.

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 2025-05-26 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: IL

Complaint narrative:
Subject : Follow-Up to Unresolved Credit Dispute Failure to Respond Within FCRA Timeframe Dear [ Transunion ], I am writing to follow up on my dispute submitted to you on [ original dispute date ] regarding the inaccurate information listed on my credit report. The disputed item is : Creditor Name XXXX XXXX XXXX of Dispute : [ e.g., Incorrect late payment, account not mine, etc. ] According to the Fair Credit Reporting Act ( XXXX  ), you are required to investigate and respond to disputes within XXXX  days. I have not received a response, nor has the item been updated or removed from my credit report. This lack of response is a violation of the FCRA. As such, I am formally requesting that the disputed item be immediately removed from my credit report as required by law. I have attached a copy of my original dispute, supporting documentation, and proof of mailing. If you do not resolve this matter within XXXX  days, I will file a complaint with the Consumer Financial Protection Bureau ( XXXX  ) and consider further legal action. Thank you for your prompt attention to this matter. Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief