vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
I am filing this complaint against Equifax for reporting inaccurate, incomplete, and misleading information on my credit report regarding an account from XXXX Bank Delaware ( account ending in XXXX ). 
Although the account shows XXXX  days late in XX/XX/XXXX and XXXX days late in XX/XX/XXXX, Equifax continues to report the account as Pays as Agreed, which is false and misleading. 
Additionally : Equifax failed to include the Date of First Delinquency ( DOFD ), violating 15 U.S.C. 1681c ( a ) ( 5 ) and 623 ( a ) ( 5 ). 
The XXXX XXXX reported is {$350.00}, which exceeds the {$200.00} credit limit without explanation. 
The original creditor is not identified, violating 15 U.S.C. 1681g ( a ) ( 2 ) and ( 6 ).

If this account was previously disputed and reinserted, Equifax did not issue a reinsertion notice, in violation of 1681i ( a ) ( 5 ) ( B ).

This inaccurate reporting also violates 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 5 ) ( A ).

These actions may also constitute unfair and deceptive practices under UDAAP ( 12 U.S.C. 5531 ) and potentially FACTA, due to the negative impact on my creditworthiness. 
What I Have Done So Far : I submitted a formal dispute letter to Equifax, requesting : XXXX. A manual ( non-automated ) investigation. 
XXXX. Correction of the misleading Pays as Agreed status. 
XXXX. Inclusion of the correct Date of First Delinquency. 
XXXX. Deletion of unverifiable or contradictory data. 
XXXX. Complete removal of the account if it can not be lawfully verified. 
Despite my efforts, Equifax has failed to take appropriate corrective action. 

What I Want Equifax to Do : Immediately investigate and delete or correct the inaccurate account information.Provide a full explanation and documentation of how the data was verified.Comply fully with FCRA, Metro 2, and UDAAP requirements.Cease any misleading or deceptive reporting practices. 

Legal Basis Supporting This Complaint : 15 U.S.C. 1681i, 1681e ( b ), 1681c, 1681g Metro 2 Technical Guidelines Segment K, Payment History, Account Status 12 U.S.XXXX. 5531 ( UDAAP ) Legal precedents : o Cortez v. TransUnion ( 2010 ) o Ramrez v. TransUnion ( 2021 ) o Seamans v. Temple Univ. ( 2014 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: GA

Complaint narrative:
I writing to formally dispute an account listed on my credit report that I believe is the result of identity theft and to request, pursuant to 15 U.S.C. 1681c-2, that this information be blocked from appearing on my credit report.

The following account do not belong to me and were fraudulently opened without my knowledge, consent, or authorization. In accordance with federal law, please block the mentioned fraudulent information from my credit report and notify the furnisher of the information that the item is a result of identify theft. Also, Please send me
an updated copy of my credit report once the item ( s ) have been removed. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: NV

Complaint narrative:
I sent money XX/XX/XXXX I thought it was sent as cash pick up and instead it was sent as a bank account called them right away and they said they couldn't cancel that i had to wait and call my recipient if she can go to the XXXX XXXX and see if they can give her the money with just the reference but she doesn't have an account with them. She did and when she went to the XXXX XXXX they told her they couldn't because the account didnt exist but remitly should be able to give me the refund since money is still there. We did our part as they requested. I called them back and gave them the update. They said they would sent an email same day and I should hear back from someone same day around XXXX XXXX never got a call so I called them back and they said they would sent an email and they should call me or send me an update. Did not so I called myself again today XX/XX/XXXX first call they just hung up so I had to call them back. I spoke to rutuja and she said refund can not be made even though money is still their never picked up and they gave me push back in first place about canceling transaction right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort

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 2025-05-14 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: IL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-14 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: FL

Complaint narrative:
I have reviewed my EQUIFAX credit report and noticed a fraudulent account as a result of identity theft from XXXX BANK on my credit file. I have disputed this numerous of times with EQUIFAX with no resolution. My XXXX  AND XXXX  credit report does not show this fraudulent account on my credit reports at all. And according to the FCRA that is a violation. I have sent in my FTC report and all required documentation and they still refuse to remove this fraudulent and inaccurate account. 
And additionally the fraudulent account was charged off and sold to a collection agency which is also identity theft. I have requested validation of this account also with my wet signature on the contract which I have not been provided as well. EQUIFAX told me that my XXXX legitimate FTC reports were invalid so l have sent in XXXX FTC reports upon their request which makes no sense. There are so many violations of my rights with this fraudulent account and should be removed immediately. The account says it was opened in XX/XX/XXXX in which it was fraudulently opened in XX/XX/XXXX it but the age of the account says 5 months. I request that this account is blocked and removed pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lewis, McDonnell & Associates
State: FL

Complaint narrative:
I am filing this complaint regarding the unethical practices of XXXXXXXX XXXX XXXXXXXX XXXX ( McDonnell & Associates LLC ), acting on behalf of XXXX XXXX XXXX. Despite requests for proper debt verification, via certified mail, they have failed to provide any documentation and have responded with evasiveness and unprofessionalism. I was first contacted on XX/XX/XXXX via a phone message, and when I returned the call, I was denied access to the original caller. Instead, I was connected to another employee who refused to verify the debt. I provided my current address in a debt validation request dated XX/XX/XXXX so that I could receive the proper documentation but was denied. I received another phone message on XX/XX/XXXX stating previous contact ( referring to the last phone call? Since Ive never received anything in writing via email or postal ) There is no signed contract or proof of ownership of the alleged debt that they have reported on my credit report. There are no receipts, contracts or pictures. 
They have been named in numerous legal battles, including a finding of public company fraud in SEC v. Suneet Singal and First Capital Entities, and have numerous complaints with the Consumer Financial Protection Bureau ( CFPB ) and BBB so I'm not confident that they are operating above board. 
The XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, Lewis McDonnell and Associates, and Mcdonnell and Associates are all listed as the same company with the XXXX XXXX XXXX ; located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, mailing address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
I request those legal entities operating as McDonnell & Associates LLC '' / '' XXXX XXXX XXXX XXXX '' / '' XXXX XXXX XXXX '' : remove their posting from my credit report. I also request that XXXX  do an investigation into these entities. I do not believe they are legitimate as they are receiving multiples of XXXX and CFPB complaints for lack of documentation/debt validation/illegal credit collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a formal written dispute regarding the XXXX XXXXXXXX XXXX  account listed on my credit report. I asked for a reinvestigation and full validation of the tradeline. The account had already been closed as of XX/XX/XXXX, and reported as a charge-off with a {$1000.00} balanceyet it continues to reflect In Collections / Charge-off status, XXXX days late, and still shows delinquency months after closure. 

XXXX XXXX failed to provide any original documentation supporting the validity of the debt or the amount being reported. Despite my prior dispute, they updated the report on XX/XX/XXXX, without correcting or removing the account. The account still shows unresolved derogatory marks, an excessive 150 % utilization rate, and severely impacts my credit. Their failure to validate or correct this reporting constitutes noncompliance with FCRA 1681i.

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 2025-05-14 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: IN

Complaint narrative:
I am submitting this complaint because XXXX  XXXX wrongfully closed my legitimate credit card account Account XXXX after Experian incorrectly marked it as fraudulent during a dispute I filed regarding a completely unrelated fraudulent XXXX XXXX XXXX account. 

I did not dispute my XXXX XXXX account. It was in good standing and had nothing to do with the identity theft or fraudulent activity I reported through my original CFPB complaint. However, Experian mistakenly removed my XXXX XXXX account from my credit report while attempting to delete the fraudulent XXXX entry and XXXX XXXX responded by closing my account entirely. 

I was never contacted by XXXX XXXX to verify the legitimacy of my account before they closed it. As a result, my credit file now shows : A valid account closed with no fault on my part Loss of positive payment history Negative impact on my credit utilization and score This has caused me emotional stress, financial inconvenience, and significant damage to my creditworthiness especially as I have always managed my XXXX  XXXX account responsibly.

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 2025-05-14 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: OH

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I NOTICED A FRAUDULENT ACCOUNT ON MY REPORT PLEASE REMOVE THESE NEGATIVE ACCOUNTS FROM MY REPORT THEY ARE AFFECTING 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 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: TX

Complaint narrative:
Subject : Urgent Dispute Request Regarding Credit Reporting Dear XXXX Customer Support, I hope this message finds you well. I am reaching out to formally dispute and report a recent issue that has significantly impacted my credit. 

I was not made aware of any outstanding balance or issue with my account. I received no communication regarding any late payments or potential credit reporting. I only discovered that this matter had been reported to the credit bureaus after checking my credit report recently. 

Since learning of this, Ive made multiple attempts over the past week to contact your customer service department, but I have been unable to reach a representative or access my account information. This has made it extremely difficult to resolve the situation. 

I would like to emphasize that I have always paid my obligations on time and have no prior history of delinquencies. This situation appears to be the result of a miscommunication or error, and I respectfully request that my case be reviewed and the negative credit reporting be removed. 

Please advise me on the next steps to dispute this case formally. I am more than willing to cooperate and provide any necessary documentation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Phone number ( XXXX ) XXXX Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
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. 

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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 2025-05-14 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Attempts to collect a debt that does not belong to me. Please remove from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
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 XXXX XXXX. 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 2025-05-14 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: GA

Complaint narrative:
I am a victim of XXXX XXXX. 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 Account Number : XXXX * * * * * XXXX Account Number : XXXX * * Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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