vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MO

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 non-monetary relief
Consumer complaint received 2025-05-15 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: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MI

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 2025-05-15 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Detailed Timeline of Consumer Dispute National Credit Systems Consumer : XXXX XXXX Original Creditor : Enclave at XXXX XXXX Apartments Collection Agency : National Credit Systems Disputed Amount : {$350.00} Date Prepared : XX/XX/XXXX Chronological Timeline of Communication and Disputes : XX/XX/XXXX I first discovered the collection account from National Credit Systems on my credit report and contacted their office by phone. During this call, I requested details about the balance and informed them that I did not receive any final invoice from the property upon move-out. 
XX/XX/XXXX I contacted the new property management ( XXXX  ) for clarification. They refused to speak with me about the charges and directed me back to National Credit Systems. 
XX/XX/XXXX I disputed the account directly with all three credit bureaus ( XXXX XXXX and XXXX  ). No resolution or deletion occurred following the disputes. 
XX/XX/XXXX I again spoke to a representative at National Credit Systems by phone. They acknowledged the debt was based primarily on charges for carpet and paint. I explained that these charges were for normal wear and tear after XXXX years of tenancy and were not valid under XXXX  Property Code. They stated they would not remove the account and refused to provide anything in writing confirming deletion. 
XX/XX/XXXX I mailed a formal debt validation request to National Credit Systems via XXXX XXXX Mail. XXXX records show the letter was received on XX/XX/XXXX ( green card signed and returned ). 
As of today, XX/XX/XXXX I have received no response, documentation, or validation from National Credit Systems. They continue to report this account on my credit file despite failing to validate the debt within the XXXX window required by law. 
This account is disputed, unvalidated, and includes charges for normal wear and tear, which are not legally collectible under XXXX law. I am requesting that the CFPB enforce deletion and compliance with the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$840.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$300.00} 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 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 Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I HAVE REACHED OUT IN THE PAST TO FIX THESE ACCOUNTS. I WAS TOLD THEN THAT IT WOULD BE FIXED BUT IN THE LAST MONTH I'VE NOTICED THAT NOTHING WAS HANDLED. I WOULD LIKE ALL OF THESE ACCOUNTS TO BE INVESTIGATED AND DELETED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
Considering I was uninformed of these wrong accounts and did not authorize their creation, kindly remove them from my credit record. I ask that they be removed within XXXX  days in accordance with XXXX XXXX. Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against TransUnion Consumer Solutions Failure to Investigate or Remove Inaccurate Credit Reporting To Whom It May Concern, I am filing this formal complaint against TransUnion Consumer Solutions for their failure to comply with the obligations imposed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 

Despite multiple attempts to dispute inaccurate information appearing on my TransUnion Consumer Solutions credit report, the agency has either : Failed to provide documentation or proper validation of the disputed accounts, or Failed to remove or correct clearly inaccurate or unverifiable items within the required XXXX period. 

Under FCRA 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. If the information can not be verified, it must be removed. TransUnion Consumer Solutions refusal to remove unverifiable information and failure to provide proof constitutes a direct violation of this requirement. 

Additionally, their actions contradict the CFPBs own enforcement guidance that requires credit bureaus to ensure the accuracy and integrity of consumer credit data and to respond adequately to disputes in a timely and thorough manner. 

These actionsor lack thereofhave caused undue harm to my financial standing, including denials of credit and increased interest rates, and have violated my rights as outlined by federal law. 

I request the CFPB investigate TransUnion Consumer Solutions for these violations and ensure that they are held accountable for their non-compliance. I am requesting that the inaccurate, unverifiable accounts be permanently removed and that my file be corrected. 

Attached are copies of my dispute letters, relevant credit report excerpts, and any responses or lack thereof from TransUnion Consumer Solutions. 

Thank you for your time and attention to this matter. I trust the CFPB will intervene appropriately to ensure TransUnion Consumer Solutions upholds their legal obligations. 

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 2025-05-15 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: MOHELA
State: NY

Complaint narrative:
XXXX XXXX : Credit Bureau Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Management I would like to appeal a credit report that was sent because of one missed payment. I have a perfect record of paying my loans on time. 
A little background. Since I started paying for my student loan, I was never informed that my student loan was switched from a XXXX XXXXXXXX to a private loan. Because of this, when the government put in the student loan freeze at the beginning of the pandemic, I was unaware that my loans was not eligible for this freeze. I never received any sort of email or correspondence about this. Please see all emails from XXXX sent to me. 

Furthermore, when I reached out to XXXX about putting my loans on forbearance, they were able to do that. But for those months for some reason, they did not. 
I asked that you remove the mistaken credit report that was sent as it has costed me over XXXX XXXX points on my credit score. This has severely impacted my interests on several fronts. I have reached out to the XXXX credit reporting agencies, and no one has gotten back to me. I reached out to XXXX who told me that the only way this mistake can be reversed is to reach out to you. 
Also, my student loan has been moved to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
There are fraudulent charges to existing credit card accounts and the creditor have not made the adjustments in handling the situation. XXXX XXXX made the deletions but Capital One, XXXX, XXXX did not. According to XXXX code XXXX XXXX, the blocking of information resulting from Identity theft should take no more than XXXX business days. I am now ready to file a lawsuit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
This account was charge off on the following date XXXX, since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Subject : IMMEDIATE DISPUTE AND DEMAND FOR REMOVAL OF INACCURATE AND FRAUDULENT COLLECTION ACCOUNT BY LVNV Funding LLC - Account beginning with XXXX. 

Dear XXXX  Dispute Department and CFPB I am writing to formally dispute an inaccurate and fraudulent collection account listed on my XXXX  credit report by LVNV Funding LLC for the amount of {$1500.00}. This debt is not mine and is a direct result of identity theft. 

I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft, and a copy of my FTC Identity Theft Report is enclosed as evidence. I have also filed a report with [ mention if you filed a police report and/or provide the report number if applicable ] and with the XXXX XXXX XXXX XXXX XXXX ) [ mention if you filed a XXXX report and can provide a confirmation or reference number ]. 

I demand the immediate removal of this fraudulent collection account from my XXXX  credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( a ) ( XXXX ) ( A ) [ XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ], you are required to conduct a reasonable investigation of my dispute. Given the clear evidence of identity theft provided by my FTC report, and the fact that I do not recognize this debt, the continued inclusion of this inaccurate information is a violation of the FCRA. 

To verify the legitimacy of this alleged debt, I demand that LVNV Funding LLC provide the following : Unequivocal proof that this debt is mine : This must include documentation directly linking me to the origination of this debt. 
A copy of the original contract or agreement : I require a copy of the signed contract or agreement that purportedly created this debt in my name, including a clear image of my original signature on the document. 
Verification that LVNV Funding LLC has the legal right to collect this debt : This includes all relevant purchase agreements demonstrating the chain of ownership of this alleged debt from the original creditor to LVNV Funding LLC. 
Failure to immediately remove this fraudulent account from my credit report upon receipt of this dispute and the enclosed evidence will leave me no alternative but to consider all available legal options to protect my rights and creditworthiness. 

I request immediate confirmation of the removal of this inaccurate information and the results of your investigation in writing within the timeframe mandated by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation