vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concernregarding a late payment recorded in my account that requires correction. I amrequesting once again for the necessary adjustments to be made to rectify theaccount with the late payment. According to legal requirements, I understand that aninvestigation or update of the accounts is mandated. Kindly review the listed accountbelow that requires correction : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$10000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint NumberXXXX ], filed on [ FTC Complaint Date XX/XX/XXXX ]. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 ] ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Service of Nevada
State: NV

Complaint narrative:
The collection service of NE. I do not recognize it nor do I know of any loans or credit in the amount of XXXX. This is Identity theft. I attempt to show my bank statements, police report stating Identity theft, and I still do not know what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
Hello, I hope this message finds you well. I am reaching out to express my concernregarding a late payment recorded in my account that requires correction. I amrequesting once again for the necessary adjustments to be made to rectify theaccount with the late payment. According to legal requirements, I understand that aninvestigation or update of the accounts is mandated. Kindly review the listed accountbelow that requires correction : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance : {$0.00} XXXX XXXX * * XXXX * Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$450.00} XXXX XXXX  XXXX * * Balance : {$0.00} CAP XXXX XXXX * * * * Balance : {$0.00} - tied up XXXXXXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX * * * * Balance : {$760.00} XXXX  XXXX * * * * Balance : {$630.00} XXXX XXXX XXXX * * * * Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ).

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
Resurgent Capital Services failed to provide a debt verification letter containing my signature acknowledging the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), proper verification of a debt should include documentation that establishes my legal obligation to pay. Without my signature on any agreement or acknowledgment of this alleged debt, Resurgent Capital Services has not met their legal burden to properly verify this debt as required by law. 

These are purchases that I have never made and there is no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

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 non-monetary relief
Consumer complaint received 2025-05-13 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:
This letter constitutes a formal dispute regarding XXXX or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act XXXX ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable. 

The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XX/XX/year> * ) I am requesting : XXXX. Immediate deletion or correction of the disputed accounts. 
XXXX. A full description of the procedures used to verify the disputed information, pursuant to XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 
XXXX. Written notice ofyour findings within the XXXX period allowed by law. 

Enclosed are the necessary supporting documents, including a copy of my government-issued ID and proof of residency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MN

Complaint narrative:
in XX/XX/XXXX, XXXX XXXX XXXX XXXX began reporting a {$1000.00} collection account from XXXX XXXX XXXX. The information reported is inconsistent across the bureaus. TransUnion lists this as an open account, while Experian lists it as a collection account. TransUnion and Experian also report different dates of last activity ( XX/XX/XXXX vs. XX/XX/XXXX ). I disputed this account, but no corrections were made. The account still shows as a charge-off each month, even though the reporting is clearly inaccurate. I am asking for this account to be fully deleted as the company did not properly respond to my dispute and the account continues to damage my 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 non-monetary relief
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
Dear CFPB Representative, I am filing this complaint regarding XXXX reporting of a XXXX late payment to the credit bureaus, which has resulted in a significant drop in my credit score. Severely, affecting my ability to obtain credit and secure favorable interest rates. I believe this report is inaccurate and unfair for the following reasons : 1. Inconsistent Reporting XXXX has reported the late payment despite my efforts to resolve the account promptly once I became aware of the issue. I have a history of timely payments and have made good faith attempts to bring my account current. 

2. Lack of Flexibility Despite multiple requests, XXXX has refused to consider a goodwill adjustment, even though this is a standard practice among many lenders and servicers as a gesture of customer retention. 

3. Unclear Communication I was not adequately informed of the severe impact this single oversight would have on my credit standing, and the communication around this issue has been inconsistent. Especially since the loan was switched from XXXX to XXXX and payments were paused during COVID-19 pandemic period. 

I kindly request that the CFPB review this matter and encourage XXXX to reconsider their stance on this issue, given my prior positive payment history and commitment to maintaining my financial obligations. My goal is to restore my credit standing and avoid further financial hardship resulting from this single, isolated incident. 

Thank you for your attention and support in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB Representative, I am filing this complaint regarding XXXX reporting of a XXXX late payment to the credit bureaus, which has resulted in a significant drop in my credit score. Severely, affecting my ability to obtain credit and secure favorable interest rates. I believe this report is inaccurate and unfair for the following reasons : 1. Inconsistent Reporting XXXX has reported the late payment despite my efforts to resolve the account promptly once I became aware of the issue. I have a history of timely payments and have made good faith attempts to bring my account current. 

2. Lack of Flexibility Despite multiple requests, XXXX has refused to consider a goodwill adjustment, even though this is a standard practice among many lenders and servicers as a gesture of customer retention. 

3. Unclear Communication I was not adequately informed of the severe impact this single oversight would have on my credit standing, and the communication around this issue has been inconsistent. Especially since the loan was switched from XXXX to XXXX and payments were paused during COVID-19 pandemic period. 

I kindly request that the CFPB review this matter and encourage XXXX to reconsider their stance on this issue, given my prior positive payment history and commitment to maintaining my financial obligations. My goal is to restore my credit standing and avoid further financial hardship resulting from this single, isolated incident. 

Thank you for your attention and support in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
Dear CFPB Representative, I am filing this complaint regarding XXXX reporting of a XXXX late payment to the credit bureaus, which has resulted in a significant drop in my credit score. Severely, affecting my ability to obtain credit and secure favorable interest rates. I believe this report is inaccurate and unfair for the following reasons : 1. Inconsistent Reporting XXXX has reported the late payment despite my efforts to resolve the account promptly once I became aware of the issue. I have a history of timely payments and have made good faith attempts to bring my account current. 

2. Lack of Flexibility Despite multiple requests, XXXX has refused to consider a goodwill adjustment, even though this is a standard practice among many lenders and servicers as a gesture of customer retention. 

3. Unclear Communication I was not adequately informed of the severe impact this single oversight would have on my credit standing, and the communication around this issue has been inconsistent. Especially since the loan was switched from XXXX to XXXX and payments were paused during COVID-19 pandemic period. 

I kindly request that the CFPB review this matter and encourage XXXX to reconsider their stance on this issue, given my prior positive payment history and commitment to maintaining my financial obligations. My goal is to restore my credit standing and avoid further financial hardship resulting from this single, isolated incident. 

Thank you for your attention and support in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX was give this information for XXXXXXXX XXXX  over 7 years ago. This charge was included in a chapter XXXX bankruptcy. The account was opened in XXXX or XXXX with a bankruptcy on XX/XX/XXXX charged and dismissed. I have tried to get this removed before with you assistance it was removed, but this year placed back on my XXXX account with a 2022 year which is incorrect. Not sure why it say XXXX when i filed in XX/XX/XXXX XXXX XX/XX/XXXX. 

Also In accordance with the aforementioned laws and regulations, I respectfully request that these debt ( s ) be removed from my credit file immediately. The Consumer Financial Protection Bureau ( CFPB ) and related regulations explicitly require the correction or removal of inaccurate or outdated information that may be affecting my creditworthiness.

Please confirm in writing that this debt has been removed from all credit reporting agencies and is no longer associated with my credit profile. Failure to comply with this request will leave me no choice but to pursue further legal remedies. 
Thank you for your prompt attention to this matter. I expect a response within 30 days from the date of this letter, as mandated by the Fair Credit Reporting Act ( FCRA ). 
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 2025-05-13 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX : XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX Subject : Dispute of Fraudulent Auto Loan Account XXXX Dear XXXX XXXX XXXX, EXPERIAN, XXXX, XXXX  I am writing to formally dispute an auto loan account that appears under my name and credit report. The loan in question, Account # [ Insert Account Number ], was not authorized by me, and I have reason to believe it was obtained through fraudulent means.

To be clear, I did not apply for or authorize this loan and have never purchased or taken possession of the vehicle associated with it. I request an immediate investigation into this matter and the removal of this fraudulent account from my records. 

Please find the following supporting documentation enclosed with this letter : A copy of my government-issued ID A copy of a recent utility bill or bank statement showing my current address A signed FTC Identity Theft Affidavit ( if applicable ) A copy of the police report I filed regarding this fraud ( if applicable ) A copy of my credit report showing the fraudulent account Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the following actions be taken : 1. Close and remove the fraudulent auto loan account from your records 2. Cease all collection efforts related to this account 3. Notify the credit bureaus to delete the account from my credit file 4. Provide written confirmation of the results of your investigation Please respond in writing within 30 days of the receipt of this letter as required by law. If you require additional documentation or information, I am happy to cooperate. 

Thank you for your immediate attention to this serious matter. 

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 2025-05-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX : XX/XX/year> CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX Subject : Dispute of Fraudulent Auto Loan Account XXXX Dear XXXX XXXX XXXX, XXXX, EQUIFAX, XXXX  I am writing to formally dispute an auto loan account that appears under my name and credit report. The loan in question, Account # [ Insert Account Number ], was not authorized by me, and I have reason to believe it was obtained through fraudulent means.

To be clear, I did not apply for or authorize this loan and have never purchased or taken possession of the vehicle associated with it. I request an immediate investigation into this matter and the removal of this fraudulent account from my records. 

Please find the following supporting documentation enclosed with this letter : A copy of my government-issued ID A copy of a recent utility bill or bank statement showing my current address A signed FTC Identity Theft Affidavit ( if applicable ) A copy of the police report I filed regarding this fraud ( if applicable ) A copy of my credit report showing the fraudulent account Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the following actions be taken : 1. Close and remove the fraudulent auto loan account from your records 2. Cease all collection efforts related to this account 3. Notify the credit bureaus to delete the account from my credit file 4. Provide written confirmation of the results of your investigation Please respond in writing within 30 days of the receipt of this letter as required by law. If you require additional documentation or information, I am happy to cooperate. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

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