vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly notify the furnisher of that information that the information has been modified or delete from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The personal information is incorrect please remove this from my credit report immediately. 

XXXX Receivable MGMT GroupXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The personal information is incorrect please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The personal information is incorrect please remove this from my credit report immediately.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly notify the furnisher of that information that the information has been modified or delete from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXX Accounts : 1. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, The personal information is incorrect please remove this from my credit report immediately. 

2. Receivable XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, The personal information is incorrect please remove this from my credit report immediately. 

3. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, The personal information is incorrect please remove this from my credit report immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
I am writing to delete the following information in my file. the item I need deleted is listed in the report. 
I am a victim of identity theft and did not make the changes. I ask the item be deleted to correct my report. 
I reported the theft of my identity to The Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. please delete the items 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 non-monetary relief
Consumer complaint received 2025-03-18 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 writing to delete the following information in my file. the item I need deleted is listed in the report. 
I am a victim of identity theft and did not make the changes. I ask the item be deleted to correct my report. 
I reported the theft of my identity to The Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I got a called today XXXX ( XXXX ) XXXX threathing me with a civil case message This message is for XXXX and XXXX regarding case file number XXXX XXXX this is major with the processing and dispatch center will contact you regarding a serious legal matter currently into our department associated under your name. Immediate communication is required in the next 24 hours with legal department handling this case failure to respond by result, necessary, legal actions being taken this is your positioner notification regarding this matter please treat this with urgency and contact is probably to address the issue at XXXX. 


Just yesterday I withdrew the complaint against them for closing my accounts, Ive never had any accounts with them before and I told them I was a victim of identity thef.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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 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 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 2025-03-18 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: MI

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 2025-03-18 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: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Deletion of Inaccurate Accounts and Hard Inquiries XXXXetro 2 Compliance To Whom It May Concern, I am writing to formally request the deletion of the following accounts and hard inquiries from my credit report under Metro 2 compliance guidelines. These accounts and inquiries contain inaccurate or unverifiable information. Under the Fair Credit Reporting Act ( FCRA ), all data reported must be accurate, complete, and verifiable. If the creditors or inquirers can not validate the accuracy of this information, it must be permanently deleted. 

Accounts to Be Deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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  Requested on XX/XX/XXXX Reason for Deletion Request : The above accounts contain inaccurate or unverifiable information. 

The listed inquiries were unauthorized and do not reflect my credit activity. 


Under Metro 2 reporting standards and FCRA regulations, I request an immediate investigation into these items. If they can not be properly verified, they must be permanently removed from my credit file. 

Please provide written confirmation of the deletions within 30 days, as required by law. Attached are copies of my identification and proof of address for verification purposes. 

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

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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 2025-03-19 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: VA

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased a car on XX/XX/year> from XXXX At the same time I purchased a car care insurance package from XXXX XXXX , through XXXX. I immediately decided to cancel that policy and used XXXX 's cancellation form. I expected a refund for {$1800.00}. XXXX said they mailed me the check, but I never received it. Whomever did receive the check apparently signed my name to it and cashed it. Well Fargo should not have allowed anyone to cash this check without ID, but they apparently did. Well Fargo would not speak with me, because I am not their client, XXXX is. Eventually XXXX sent me a fraud claim form to submit to Wells Fargo, and they submitted the form back in XXXX. In the meantime, I filed complaints with the Insurance Commissions of both XXXX, where I am, and in XXXX, where SilverRock is headquartered. In short, I've been waiting since XX/XX/XXXX for a refund check and it is not my fault or my problem that Wells Fargo cashed this check without checking ID to see that it was not me cashing it. I simply want the {$1800.00} owed to me by XXXX, and this money has to come from Wells Fargo. I heard from the insurance commissions and they instructed me to file a complaint here.

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have stated for non contact and to remove fradulent debt from consumer credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
During a XXXX leak through Government Efficiency review the sub-total of my loans, as well as other sensitive information; including my home address, was leaked. This leak has led to me receiving harassing mail about debt collection, as well as affected my credit score despite my loans not being delinquent. I have been in the process of my Public Serve Loan Forgiveness as a CSU faculty member, yet the process has been halted by this leak.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Kikoff Inc.
State: NY

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: PA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding the following account : C

reditor Name XXXX Upgrade Inc XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Upon reviewing my credit report, I noticed the following discrepancies : XXXX. Derogatory Status Error : The account is marked as Derogatory despite having a XXXX balance and being closed as of XX/XX/XXXX. Since the account is paid and closed, the derogatory status should not be reflected on my report. 
XXXX. Incorrect Status Reporting : The accounts worst status is listed as Unknown, which is inconsistent and vague. This status needs clarification or correction to reflect the true nature of the account.

3. Dispute Verification Error : The dispute status indicates that the account was Verified as Accurate and Updated, but the incorrect derogatory status remains. I believe a more thorough investigation is warranted to ensure the accuracy of this account. 

I kindly request that you investigate these discrepancies and update my credit report accordingly. Please correct the status of this account to reflect its accurate closure and remove any derogatory remarks that are incorrectly affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), I expect these errors to be investigated and corrected within 30 days. I have attached any relevant documentation to support my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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 not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 non-monetary relief