vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorizationXXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX  XXXX Balance : {$120.00} XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX CA XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: NY

Complaint narrative:
Subject : Dispute of Alleged Indebtedness Under 15 U.S. Code 1602 ( g ) ( 2 ) To Whom It May Concern, I am writing to formally dispute the alleged indebtedness associated with my name and/or account number, which Self Inc claims is owed.

Upon reviewing the documentation provided to me, I find no verifiable evidence of actual indebtedness. The only record available appears to be a generic agreement. According to 15 U.S. Code 1602 ( g ) ( 2 ) of the Truth in Lending Act, credit must be clearly defined and disclosed, allowing a consumer the opportunity to make an informed decision. I believe such disclosures were not fully presented or explained in my case.

Due to the lack of transparent and complete disclosures, any agreement signed under these circumstances is void and unenforceable. I therefore request the following : 1. A full validation of the alleged debt, including all original signed agreements ; 2. A comprehensive breakdown of how the debt amount was calculated, including any interest, fees, or charges ; 3. Proof that Self Inc provided all legally required disclosures under the Truth in Lending Act prior to any agreement being formed.

Until this information is provided and verified, I consider this matter to be in dispute. I also request that you cease any collection efforts and suspend any reporting of this matter to credit bureaus during the dispute process, in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). 
Please respond in writing within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Last year XXXX or XXXX charges were made for fuel purchases in XXXX, FL using numbers from my XXXX XXXX XXXX 
I called the customer service number and explained that I had not been in XXXX in more than 50 years ago. 
They investigated and dropped all the charges except one charge for {$84.00}.

I have been complaining since then about this charge which was made in XXXX with the others that were dropped. 
They keep telling me they will investigate but I never hear from them until I get the monthly bill with the charge still there and late fees added. 
I have made several phone calls and all I hear is promises to help but no action. 
I NEED HELP GETTING THIS RESOLVED!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  {$5000.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} Date Opened : 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 explanation
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
An address and name appear on my credit report that i do not recognize or authorize address XXXX XXXX XXXX XXXX XXXX PA XXXX name XXXX XXXX XXXX XXXX XXXX l XXXX XXXX XXXX XXXX XXXX XXXX these may linked to unauthorized use of my personal information. i request they be investigated and blocked under FCRA Section 605B. I am submitting valid ID and my current address. additionally accounts associated whith that address appear on my credit report which i do not recognize or authorize as 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 2025-05-10 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: FL

Complaint narrative:
An address and name appear on my credit report that i do not recognize or authorize address XXXX XXXX XXXX XXXX XXXX PA XXXX name XXXX XXXX XXXX XXXX XXXX l XXXX XXXX XXXX XXXX XXXX XXXX these may linked to unauthorized use of my personal information. i request they be investigated and blocked under FCRA Section 605B. I am submitting valid ID and my current address. additionally accounts associated whith that address appear on my credit report which i do not recognize or authorize as mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX * * * * {$5000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$230.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
on XX/XX/XXXX at XXXXXXXX XXXX my car was repossessed during a legal process with a court date pending for XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I did not sign a binding contract because I was withheld the pertinent information to complete the sale honestly. Thus, being the case pursuant XXXX XXXX XXXX I have the right to rescind my obligations and renege my initial interest consent as I attempted on XX/XX/XXXX pursuant XXXX XXXX XXXX I have the right to rescind my obligations and renege my initial consent to pursue the previous terms. Accordingly, I did not sign the contract becausethere are many fees within this finance charge that are in violation of 15 USC 1605 ; see below : XX/XX/XXXX Daily interest charges at a rate of {$7.00} - {$1500.00} XX/XX/XXXX Monthly charges {$390.00} Principal balance XXXX of XXXX payments made * Final Purchase amount {$31000.00} Deposit Amount {$2500.00} - Listed there above are many fees within this finance charge that are in violation of 15 USC 1605. I did not agree to any of the terms above. Nor did I sign a contract because XXXX in terms were untrustworthy and have predatorily conducted business commerce. 

The case is pending in court for this month and my car was taken, although I had already requested a termination of the loan. The issue is already in the court, and I notified them. The car never passed state emissions to even create a contract. Which I did not sign either way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX USA FCRA Violation and Request for Full Removal of Account To Whom It May Concern : I am filing this complaint against XXXX XXXX XXXX for continued inaccurate and misleading reporting on my credit file, despite prior disputes. I am now formally requesting complete removal of this account due to ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the financial harm it is causing me. 



Details of the Account : Creditor : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Account Type : Reported as Auto Loan Issue : Paid Repossession Reporting ( after full payoff ) Balance : {$0.00} ( Paid in full after repo ) Violations and Justification for Removal : 1. Misclassification of Account Type : This account is being reported as an auto loan, but I signed a Retail Installment Sales Contract ( RISC ) at the dealership. By federal and legal standards, this is a credit sale, not a loan. Reporting this account as a loan is factually inaccurate and misleading under the FCRA. 
XXXX. Inaccurate Derogatory Reporting After Full Payoff : The vehicle was repossessed but I paid the full remaining balance shortly after. Despite this, XXXX is continuing to report a Paid Repossession, which is a serious derogatory remark. This status is damaging, even though the account was fully satisfied. This corrected remark still functions as negative credit, which is unfair given the circumstances and my effort to resolve the account quickly. 
3. Refusal to Honor Goodwill or Fair Resolution Practices : I have made multiple efforts to resolve this amicably, including through dispute channels. XXXX has refused to remove the repo or adjust the account in a way that reflects good faith. Instead, they simply updated it to Paid Repossession, which continues to harm my credit profile.

4. Demonstrated Financial Harm : Because of this continued negative reporting, I have been unable to obtain auto financing for a replacement vehicle. The car I recovered after payoff is now inoperable, and I am suffering real-time financial hardship. I have also experienced emotional distress and lost opportunities as a result of this unjust reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against LVNV FUNDING LL for their continued failure to address this matter appropriately. 

Account in Question : Creditor : LVNV FUNDING LL Account Number XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful.

Despite several attempts to resolve this matter directly with LVNV FUNDING LL, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny.

I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$890.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers.

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA.

The inaccurate late payment entry be permanently removed from my credit report.

My credit file be updated to reflect my accurate payment history.

Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and 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 2025-05-10 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: IL

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 2025-05-10 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:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent.

Your continued reporting of them is reckless and potentially unlawful.

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately.

Any collection efforts tied to these accounts must cease and desist without delay.

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : ( I T E M S )

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