vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: IL

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report without delay. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I formally request their removal within 15 days. Please find the enclosed documents for review. It is also important to address the inaccurate and conflicting account information currently reported to each credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX IN XXXX ACCOUNTS : KXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}

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 explanation
Consumer complaint received 2025-06-06 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-06 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: IL

Complaint narrative:
I am writing regarding the accounts that had previously been removed from my credit report without my consent or notification. Please re-insert the following accounts that have been removed and notify me via email or sending me a copy of report when the investigation done. I've Attached supporting documents for this request, thank you

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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that is currently being reported on my credit profile. I have already contacted the relevant credit reporting agency/agencies and the furnisher of the data, but the matter remains unresolved. The inaccurate item ( s ) include : Creditor Name
: Transworld Systems Inc.

Account Number ( if available ) : Description of Error : on my credit report that i have a balance for resident that I didn't in showing on my credit report as being inaccurate, ask could it be removed.

This information is incorrect, and its continued presence on my credit report is negatively affecting my creditworthiness. I have enclosed supporting documentation, including [ list any enclosed items, such as payment records, confirmation letters, or correspondence with the credit bureaus or creditors ], which substantiates my claim.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB investigate this matter and take appropriate action to ensure the removal or correction of the inaccurate information.

Please confirm receipt of this letter and inform me of any updates or steps I may need to take in the resolution process.

Thank you for your attention to this important matter. I appreciate your help in protecting the accuracy of my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TN

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: Self Financial Inc.
State: NV

Complaint narrative:
I am writing to formally dispute and report fraudulent activity associated with my identity in connection with an account opened with Self.inc/Lead Bank. I am a victim of identity theft and was incarcerated in federal prison from XX/XX/XXXX through XX/XX/XXXX. It would have been impossible for me to open or authorize any account during that period. 

Despite submitting the necessary documentation to both Self.inc/Lead Bank and the credit bureaus, I continue to receive responses stating that the disputed information has been verified. This can not be accurate given my incarceration status at the time the account was allegedly opened. 

To support my claim, I am including official incarceration and release records, my identity theft report filed at XXXX, and the police report submitted through the Identity Theft and Incident Crime Center ( I3C ), as directed by the XXXX XXXX XXXX Police Department. 

I respectfully request that XXXX Bank conduct XXXX thorough investigation into this matter and take immediate steps to remove the fraudulent account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: MA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-06 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:
My account history clearly shows consistent, timely payments. The late payment shown is false and damaging. I respectfully request your assistance in correcting this misinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : 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 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 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 2025-06-06 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.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: Lendmark Financial Services
State: VA

Complaint narrative:
Dear Lendmark Customer Support, I am writing to formally dispute the inaccurate information currently being reported on my credit profile regarding my auto loan account with Lendmark. 

My XXXX  was XXXX  XXXX, and the XXXX  XXXX  issued a payment of over {$6000.00} to satisfy the remaining balance. This payment has already been processed and cleared. Despite this, my account is still being reported as XXXX days delinquent, which is both inaccurate and damaging to my credit report. 

When contacted, your representative responded unprofessionally and claimed that Lendmark didnt see the payment. This is unacceptable and raises serious concerns about the accuracy and compliance of your reporting practices. Continued reporting of a paid-off debt as delinquent may be a violation of the Fair Credit Reporting Act ( FCRA ), which requires that creditors furnish only accurate and complete information. 

I am requesting that you : 1. Immediately update the account to reflect the paid status and remove all delinquency notations. 
2. Provide written confirmation that this correction has been submitted to all three major credit bureaus. 
3. If this can not be corrected, the account must be removed entirely from my credit report due to your failure to accurately and timely update the account. 

Please treat this matter as urgent. I expect confirmation of receipt and a timeline for resolution within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: IL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-06 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am submitting this complaint regarding a debt relief program failure that resulted in unfair credit reporting by American Express. I was enrolled with [ Debt Relief Company Name ] and had a valid, active settlement agreement for my American Express account. Due to a confirmed administrative error, my program was canceled without my consent. During that time, American Express reported the account as charged off.

Prior to the cancellation, I had received and approved a settlement offer for the same accounta resolution that would have satisfied the debt in good faith and protected my credit standing. After the error was discovered, the company reinstated the program ; however, they refused or were unable to honor the original settlement offer. As a result, I was left with a derogatory credit mark and no way to resolve the debt under the terms I had agreed to.

This situation has caused significant financial and reputational harm, through no fault of my own. I believe it constitutes : A violation of the Credit Repair Organizations Act ( CROA, 15 U.S.C. 1679b ) by the debt relief company, for failing to provide services fairly and transparently.

A violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) by American Express , for furnishing misleading and harmful credit information that fails to reflect the true context of the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Im not sure of the name of the debt collector or the what they claim to be, but I do have a phone number XXXX. Theyre telling me I owe over {$4000.00} to Barclays credit card. I told him I did not recognize the account and ask them to send me proof that I owe them the money and they refuse and said the only way that theyre gon na send me proof is by bringing legal action against me. After asking for proof several times, and they kept refusing me I said said ok then bring me to court. Im pretty sure I have a right to ask them to prove that I owe the money and because they refused thats what makes me feel like its a scam. They did know my Social Security number and they kept telling it to me, but I didnt confirm or deny that that was my number so its bothersome that they have my information and my Social Security . If the account is extremely old or something I applied for with my ex XXXX before XXXX we filed for Bankrupcy in XXXX or so, so it should be taken care of by that. Or if its older than seven years old, it shouldve been written off according to credit laws that I am reading 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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc.
State: OR

Complaint narrative:
XX/XX/year> XXXX debt collection had called me. The caller id was XXXX. I ignored them. They did not leave a message. 

XX/XX/year> had called me. I Ignored. They did not leave a message. 

XX/XX/year> had called me. I answered but no real person was there. It went straight to hold with music. I hanged up. 

No messages were left when they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally file a complaint against LVNV Funding LLC and XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to provide accurate information, 15 U.S.C. 1681s-2 ( b ) ( 1 ) Duty to investigate disputed information, XXXX XXXX. XXXX ( d ) ( XXXX ) ( A ) Definition and exclusion of certain types of information from " consumer reports. '' Nature of the Complaint : Both LVNV Funding and XXXX are reporting the same debt on my credit report, associated with account numbers XXXX and XXXX, creating a duplicate entry for a single account. This constitutes double jeopardy and is damaging my credit profile by making it appear that I have XXXX derogatory accounts, when in fact there is only XXXX. 

Additionally, the original creditor, XXXX, has written off the account as a profit and loss ( charge-off ) and likely claimed this as a loss with the IRS, which should indicate the account is no longer actively collectible or reportable in this manner. 

LVNV Funding, a third-party debt buyer, is reporting this account with falsified account history to manipulate the statute of limitations, which is a deceptive and unfair practice. I have reason to believe this re-aging of the account is being done to maintain derogatory information on my report beyond the legally permitted time frame. 

Furthermore, according to the XXXX XXXX XXXX database, LVNV Funding is not licensed to collect or report debts in the state of XXXX, which makes their activity unauthorized and potentially unlawful in this jurisdiction. 

Action Requested : Immediate removal of the inaccurate, duplicative, and re-aged entries reported by both LVNV Funding and XXXX. 

A formal investigation into the reporting practices of both entities concerning this account. 

An assurance that all future reporting will comply with the FCRA and XXXX  state law. 

I have attempted to resolve this matter by contacting the companies directly and requesting that they investigate the inaccurate information, but have not received a satisfactory resolution. 

Please treat this as a formal complaint and investigate these violations. The continued inaccurate reporting is causing ongoing damage to my creditworthiness and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX IL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00}

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 explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Bureau involved : Equifax Error : The average age of my credit history is shown as 0 years and 8 months, even though I have accounts opened since XX/XX/year>. 

Reason for dispute : This may be due to incorrectly reported opening dates or missing accounts. This inaccurate calculation negatively impacts my credit score. 

Request : I request that Equifax review and correct the account opening dates and update the reported credit history age accordingly.

Company response to consumer: Closed with explanation