vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN, XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. The following account : ( XXXX XXXX XXXX | Account # : XXXX ) is reporting a balance of ( {$980.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that it was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( {$980.00} ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation the furnisher to continue to report this inaccurate information, especially with the notice and confirmation of the errors. Please provide me with the return of the time and form as prescribed by regulation aror my name, my address, my TIN, the date, and amount of the discharged/charged off detour an information as prescribed by the Secretary. if not, then I would demand that the account be removed from my credit report completely to a legal recourse or action on behalf of myself by retained counsel. Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN, XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. The following account : ( XXXX XXXX XXXX | Account # : XXXX ) is reporting a balance of ( {$980.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that it was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( {$980.00} ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation the furnisher to continue to report this inaccurate information, especially with the notice and confirmation of the errors. Please provide me with the return of the time and form as prescribed by regulation aror my name, my address, my TIN, the date, and amount of the discharged/charged off detour an information as prescribed by the Secretary. if not, then I would demand that the account be removed from my credit report completely to a legal recourse or action on behalf of myself by retained counsel. Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. Regards, 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 explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding a charged-off auto loan that has been reported on my credit by Regional Acceptance CO . The account was marked as a charge-off in the amount of {$29000.00}, and I was not properly notified of the charge off or provided documentation explaining the balance or circumstances leading to it. 

To date, I have not received a full accounting of the debt, nor any communication from the lender prior to the negative reporting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit reports, and I believe this tradeline may be inaccurate or incomplete. I have also not received an explanation of how the amount was calculated or if any portion of the vehicle was repossessed, sold, or credited toward the balance. 

I am requesting that the CFPB assist in investigating this matter and ensuring the lender complies with federal regulations. Specifically, I would like the following : XXXX. Full documentation explaining the charge-off, including an itemized statement showing how the balance was determined ; XXXX. Verification that proper notice was provided to me before the charge-off occurred ; XXXX. Removal or correction of the account from my credit reports if it can not be fully validated. 

This charge off is significantly impacting my credit and financial stability. I appreciate your assistance in reviewing this matter and ensuring that my rights as a consumer are protected. 

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 explanation
Consumer complaint received 2025-04-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint against Capital One for violations of the Fair Credit Reporting Act ( FCRA ). This account ( XXXX ) was charged-off over 5 years ago and has had no activity since. After disputing the account in XX/XX/ 2025, Capital One verified it but then began updating the account monthly with false balance information and inaccurate Date of Last Activity, causing my XXXX credit score to drop XXXX points on XX/XX/2025. Capital One suppressed this account ( unknowingly ) from XXXX on or around XX/XX/2025, then re-reported it as if it were a brand-new derogatory mark, re-aging the debt and misrepresenting its true status. This has caused me severe financial harm and directly impacted my ability to secure housing. The mental anguish of attempting to move away from an XXXX situation and being denied due to this FALSE information is life threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-07 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX  XXXX - Date Opened XX/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 explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: LA

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 XXXX XXXXXX/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 explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> Experian Consumer Services XXXX XXXX XXXX XXXX, TX XXXX Formal Dispute of Inaccurate Late Payments Reported - Request for Immediate Correction Dear Experian Consumer Services, I am writing to formally dispute the inaccurate and misleading late payment information currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, and the Electronic Fund Transfer Act ( EFTA ) section XXXX XXXX XXXX, I demand the immediate removal of these erroneous late payments that have been inaccurately reported by Experian. 

Specifically, these late payments are not accurate, as my other credit reports with XXXX and XXXX show no such discrepancies, and my accounts with the relevant creditors are in good standing. I have never received any such reports or claims of late payments from any other bureau, and Experian is the only credit reporting agency to inaccurately report these late payments. This constitutes a clear violation of my consumer rights under the FCRA XXXX XXXX, which mandates that credit reporting agencies are required to maintain the accuracy of the information they report and must correct any inaccurate or outdated information within a reasonable time frame. 

Furthermore, your practice of quickly denying my disputes within 24-48 hourswithout any thorough investigation or due diligenceviolates the principles set forth in the FCRA and undermines the integrity of the dispute process. Your swift, unfounded denials of my disputes are nothing short of an attempt to evade responsibility for correcting your reporting errors and fulfilling your legal obligations under the FCRA and EFTA. 

I insist that you immediately remove the inaccurate late payment records from my credit file and provide me with a detailed explanation of the methods used to verify the information. As mandated by the FCRA and XXXX XXXX XXXX XXXX, I expect this issue to be addressed and resolved within 30 days of receipt of this letter. Or, even better if the delinquency of the accounts are corrected just as fast as Experian has been denying them. Failure to correct this information in a timely and accurate manner will leave me with no choice but to escalate this matter to the relevant regulatory authorities and consider further legal action to enforce my rights. This is my last, and I mean my FINAL ATTEMPT to have this information corrected before involving these accounts in litigation. 


Please treat this matter with the urgency it deserves and provide confirmation in writing that these discrepancies have been corrected. I expect your response no later than XX/XX/scrub> 2025, 30 days from the date of this letter. 



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 explanation
Consumer complaint received 2025-04-07 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 XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX LAND XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XXXX  XX/XX/year> TransUnion XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion

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 2025-04-07 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






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 explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX 

Account Name : XXXX XXXX XXXX XXXX - Date Opened XXXX/XXXX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Review Processing Team Dear Bank of America Management, I am writing to formally express my dissatisfaction with the handling of my case by the individual review processing team. As an individual with significant XXXX, I found it exceedingly challenging to engage in the review process, which I believe should have been more accommodating to my circumstances. 

Over the past several months, I dedicated considerable time and financial resources to rectify the situation that arose when my account was frozen. This unfortunate event led to a drastic decline in my living conditions, reducing me from a stable two-bedroom home to relying on a sleeping bag and a backpack. The consequences of my account being frozen have been devastating, resulting in a downward spiral that I could not have anticipated. 

I was unaware of my ineligibility to proceed with the review until I had already invested substantial effort into the process. This lack of clarity has only compounded my difficulties, given my ongoing health challenges associated with a XXXX XXXX. I urge you to reconsider the review procedures and ensure that they are accessible to all customers, particularly those with XXXX. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX phone ( XXXX ) XXXX address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX INDIVIDUAL REVIEW PROCESS please send this to the correct person Sent from my 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 2025-04-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX, MA XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. The following account : ( XXXX XXXX XXXXXXXX | Account # : XXXX ) is reporting a balance of thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( {$53.00} ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation the furnisher to continue to report this inaccurate information, Especially with the notice and confirmation of the errors. Please provide me with the return of the time and form as prescribed by regulation aror my name, my address, my TIN, the date, and amount of the discharged/charged off detour an information as prescribed by the Secretary. if not, then I would demand that the account be removed from my credit report completely to a legal recourse or action on behalf of myself by retained counsel. Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. Regards, 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 2025-04-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

Account XXXX : XXXX XXXX XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation