vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have contacted XXXX  XXXX XXXX multiple times trying to resolve the issue with transactions and not being authorized with them not providing anything showing these charges were authorized along with contacting them, even though not my charges, to pay to delete from credit report. They have refused payment multiple times. Another attempt was made this morning with a resolution specialist as below. 

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 XXXXXXXX Dear Collection Manager : This letter is in response to your credit report entry related to the debt referenced above. I wish to save us both some time and effort by settling this debt. 
Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. 
Furthermore, you have the ability to change the listing since you are the information furnisher. 
I am willing to pay this debt in the amount of {$400.00} in return for your agreement to remove all information regarding this debt from the credit reporting agencies within XXXX calendar days of payment. 
If you agree to the terms, I will send certified payment in the amount of {$400.00} payable to XXXX  XXXX XXXX in exchange to have all information related to this debt removed from all of my credit files. 
If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of XXXX XXXX XXXX. 
The letter will be treated as a contract and subject to the laws of my state. As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days and/or email, I will withdraw the offer and request full verification of this debt. 
Please forward your agreement to the address listed above. 
Sincerely, 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 2025-04-17 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 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 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 2025-04-17 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: RI

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 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 2025-04-17 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: GA

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate : Credit Acceptance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and 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 2025-04-17 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: MI

Complaint narrative:
XXXX inquire that I never authorized over XXXX inquiries that should not be on my credit report

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 2025-04-17 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: MI

Complaint narrative:
XXXX inquire that I never authorized over XXXX inquiries that should not be on my credit report

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am a XXXX  consumer requesting that Discover Bank conduct a full internal audit of the account currently being reported to XXXX  under my name, as the information appears inaccurate and inconsistentspecifically regarding the last payment date and monthly payment history. 

According to the XXXX  credit report : A last payment date of XX/XX/XXXX is listed Yet the payment history shows continuous Charge Off ( CO ) notations well after this date, through XX/XX/XXXX, with delinquencies recorded prior and beyond These inconsistencies raise serious concerns under both federal and state consumer protection laws. I am formally requesting that Discover provide the following account-level details for verification : The actual date of last payment from your system The date of charge-off The date of first delinquency ( DOFD ) The date the account was closed, if applicable The balance at time of charge-off A breakdown of monthly status updates that were furnished to XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers like Discover are required to report accurate and complete data and to correct or delete any data found to be inaccurate or unverifiable. 

Additionally, under XXXX Statute 559.72 ( 9 ) ( FCCPA ), a creditor may not attempt to enforce a debt or furnish data to a consumer reporting agency when it knows or should know the information is false or misleading. 

Please take notice : Discover 's cardmember agreement includes a binding arbitration clause, under which Discover is responsible for covering all arbitration filing, administration, and hearing costs. I am fully prepared to invoke this clause and pursue individual arbitration if necessary. 

The cost of arbitration for Discover could exceed {$5000.00} in fees alone, while a simple audit and deletion or correction of this erroneous tradeline would satisfy my concern and avoid unnecessary escalation. 

Therefore, I am requesting : A full audit of this account as furnished to XXXX  Written verification of the listed dates above Correction or deletion of any data that can not be verified or is inconsistent with what was actually furnished This request is made in good faith to avoid further legal or arbitration action and to resolve the matter directly and efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-17 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: OH

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the regulations governing the collection, sharing, and use of consumer credit information are not upheld. Under the FCRA, consumer reporting agencies ( CRAs ) are required to take reasonable steps to ensure the accuracy of information in credit reports. If a consumer experiences financial harm due to an FCRA violation, they have the right to pursue legal action against the CRA for actual damages, statutory damages, and attorneys fees. The accounts mentioned in my letter contain inaccuracies, and I am requesting a comprehensive investigation to address and correct these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: HI

Complaint narrative:
I had several accounts with moneylion ( checking, bitcoin and stock account ). At the beginning of XX/XX/year>, I observed 13 fraudulent transactions totalling over {$1000.00} from the same company. I reported all transactions to moneylion for investigation ans to be refunded. The first 3 transactions were refunded to my account. Moneylion then denied the next 7 transactions and then closed all my accounts ( bitcoin, stocks and checking ) without refunding my funds which totaled over {$3400.00}. Moneylion stated there was fraud on the account but couldn't tell me who, what where or when was the fraud. I informed them that I informed them of the fraud and that 3 items were returned but over {$1000.00} was still outstanding. They stated the account was closed and would not be reopened. I contacted moneylion on XX/XX/year>, at which time they stated they would be refunding {$1400.00} left in my checking account. On XX/XX/year>, I again contacted moneylion again to inquire about my refunds. The customer service representative stated they made an error and hadn't issued the refund. They then refused to send my last bank statement for bank, bitcoin or stock accounts statements. They refused to look at the accoun5lt and stated they would call me but four times they have failed to call. At this time moneylion refused to issue my refunded funds, provide anymore information on my accounts or complete any of there professional duties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report. Please.

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 2025-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 168i ( 7 ) states if requested by consumer Sequim Asset Solutions, LLC this must be provided within 15days in order to be in compliance the company this company does not have the right to collect on this debt in the State of Florida when I looked under the NMLS consumer access. I dispute this debt in its entirety and request that all collection efforts, including reporting to credit bureaus, cease. Requesting at the point of this letter any further communication should be in writing.

Additionally, per the FDCPA, I request that you do not contact me via phone and only communicate through mail at the address listed above.

If you fail to provide proper validation, I will consider this matter closed and will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Longbridge Financial, LLC
State: SC

Complaint narrative:
Re : Improper and False Vetting in the Application Process URGENT : Quick Response required closing date is XXXX, XXXX, XXXX. Around XX/XX/XXXX I began to inquire with Longbridge Financial Company XXXX # XXXX about a Reverse Mortgage loan. According to HUD Guidelines, I am completely qualified and eligible to receive this loan. XXXX XXXX also applied inaccurate formulas in the proposal. The Lending Officer XXXX XXXX XXXX # XXXX had already received all requested docs during the application process. After everything was already considered complete, the application was processed and the appraisal fee of {$300.00} was paid as she requested. The appraiser communicated to me via email to set up an appointment to come to the house. XXXX XXXX decided to put the appraisal on hold the day before the appraisal appointment date and began doubling back on documents that were already submitted. I have no Federal deliquesces, or any liabilities on my home that would disqualify me from receiving this loan. With no logical reason, she began to request additional documents that were not applicable to my case and are outside of HUD guidelines. Excessive and improper vetting. In addition, she applied a false social security number to my case. I requested to speak with her supervisor via email on XX/XX/year>. Now, she has my {$300.00} appraisal fee, she told me via email on XX/XX/year>, that a supervisor would reach out to me. It is now 2 days later, and she has 'ghosted ' me and no one from her office has called or emailed me to satisfy this issue as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX The following inquiries were not and should not be reporting. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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 explanation
Consumer complaint received 2025-04-17 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: CO

Complaint narrative:
Hello. Please know that I take my credit seriously, and I'm deeply concerned about the errors I saw on my credit report. These mistakes are causing me stress and it's also impacting my ability to secure new credit. Ive worked hard to build my credit, and its frustrating to see it negatively affected by inaccuracies that arent my fault. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair, and I need it corrected immediately to prevent further damage. Thanks.

Company response to consumer: Closed with non-monetary relief