vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am requesting the removal of specific inquiries from my credit report because they were either unauthorized or resulted from circumstances that should not impact my credit standing. Hard inquiries can significantly affect my credit score, and I believe these particular inquiries do not accurately reflect my credit-seeking behavior. I respectfully ask that they be investigated and, if found to be unauthorized or incorrectly reported, promptly deleted from my report to ensure its accuracy. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-26 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-26 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: MN

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam, I am writing to dispute the following information in my credit report. The items listed below are inaccurate and should be removed per the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
The name XXXX XXXX XXXX is on my credit report. I am NOT XXXX XXXX XXXX. I have never been XXXX XXXX XXXX and have asked for it to be removed several times but my requests have been ignored. Over the years I have received many calls asking for XXXX XXXX or some other XXXX family member. I don't know anyone by this name and am not sure how it got on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint because my creditors are inaccurately reporting late payments on the following accounts : ending in XXXX, XXXX, XXXX, and XXXX. I have disputed these accounts directly with Experian, Equifax, and TransUnion, as well as with the furnishers. However, the late payments continue to be reported without proper verification or validation. 

Under 15 USC 1681s-2 ( a ), furnishers are required to report accurate information. Under 15 USC 1681i, credit bureaus must conduct a reasonable investigation within 30 days of receiving a dispute. Despite my formal disputes, neither the furnishers nor the credit bureaus have provided sufficient documentation to validate the late payments. 

I respectfully request the deletion of these inaccurate entries and enforcement action to ensure compliance with the Fair Credit Reporting Act ( FCRA )

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 2025-04-26 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status 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 2025-04-26 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: PA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status 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 non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, Experian and Transunion are all reporting incorrect payment history. An account I've had with " XXXX '' since XXXX ( account # ending in XXXX ) has recently reported a late payment that was made in XXXX of XXXX I've disputed the issue and all they have done was randomly change my payment history by shifting the month of the late payment not correct the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: MOHELA
State: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NV

Complaint narrative:
XXXX XXXX and XXXX XXXX was both reporting the same account from with different account number and account names. XXXX XXXX XXXX buyout the company XXXX XXXX and reported my information on the credit bureau Equifax XXXX XXXX and XXXX as two different accounts.

1 I am asking for the Purchase Agreement from XXXX without that key information I want my account deleted from all three credit agencies. 
2 Provide me with the debt I agreed to pay with the original signature and payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
- Pay for a XXXX XXXX on Cash App on XX/XX/year> that I did not receive - Report to Cash App support within the week that I was scammed - Receive an email on XX/XX/XXXX that I will be receiving a refund within 3-5 days - Keep checking back within the week, no refund received - Ask customer support again, they are not able to help- File for dispute on XX/XX/year> - Comes back on XX/XX/year> saying " no error has occured '' and " the merchant has completed the service requested ( the refund ) '' - Look back on bank statement and history, I received no refund at all - Ask customer support on Cash App again today on XX/XX/year> - They are not able to help and give me the same copied text

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  Account # : XXXX They didn't provide the full account number XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX : * * Subject : Formal Dispute and Demand for Removal of Inaccurate Charge-Off Account * * To Whom It May Concern, I am writing to formally dispute the following inaccurate and unlawful information on my credit report under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX. The account in question is : * * Reported as : * * Charge-Off with Balance This account is * * fraudulent and in violation of the FCRA * * for the following reasons : XXXX. * * Incorrect Reporting as Charge-Off with Balance * * The creditor has * * failed to issue me a legally required XXXX ( Cancellation of Debt ) * * despite reporting this debt as a loss to the IRS. This constitutes * * fraudulent reporting * * because they can not legally continue to collect on a debt they have written off for tax purposes. 

XXXX. * * Violation of IRS XXXX XXXX XXXX FCRA * * By reporting this debt as a loss to the IRS * * without issuing me a XXXX * *, the creditor has * * misrepresented the debt status * *. If they claimed a tax deduction for this loss, the balance must be * * {$0.00} * *, and the account must be * * removed from my credit report * *. 

XXXX. * * False & Misleading Information * * The continued reporting of a balance while claiming a tax write-off is * * deceptive and unlawful * * under * * XXXX XXXX. XXXX ( b ) * *, which requires maximum possible accuracy in credit reporting. 

* * Demand for Immediate Action : * * - * * Delete this account * * from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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:
XXXX XXXX  Account # : XXXX They didn't provide the full account number XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX : * * Subject : Formal Dispute and Demand for Removal of Inaccurate Charge-Off Account * * To Whom It May Concern, I am writing to formally dispute the following inaccurate and unlawful information on my credit report under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX. The account in question is : * * Reported as : * * Charge-Off with Balance This account is * * fraudulent and in violation of the FCRA * * for the following reasons : XXXX. * * Incorrect Reporting as Charge-Off with Balance * * The creditor has * * failed to issue me a legally required XXXX ( Cancellation of Debt ) * * despite reporting this debt as a loss to the IRS. This constitutes * * fraudulent reporting * * because they can not legally continue to collect on a debt they have written off for tax purposes. 

XXXX. * * Violation of IRS XXXX XXXX XXXX FCRA * * By reporting this debt as a loss to the IRS * * without issuing me a XXXX * *, the creditor has * * misrepresented the debt status * *. If they claimed a tax deduction for this loss, the balance must be * * {$0.00} * *, and the account must be * * removed from my credit report * *. 

XXXX. * * False & Misleading Information * * The continued reporting of a balance while claiming a tax write-off is * * deceptive and unlawful * * under * * XXXX XXXX. XXXX ( b ) * *, which requires maximum possible accuracy in credit reporting. 

* * Demand for Immediate Action : * * - * * Delete this account * * from my credit file 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 non-monetary relief
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I discovered that several hard inquiries were made on my credit report without my authorization. I did not apply for new credit, nor did I give consent for these companies to access my credit file. These inquiries negatively impact my credit score and were done without my knowledge or approval. I am requesting that these unauthorized hard inquiries be removed from my credit report immediately. 

Actions taken : I contacted the companies listed under the unauthorized inquiries to request an explanation. 

I filed a dispute with the credit reporting agency regarding the unauthorized inquiries. 

I am submitting this complaint to ensure the companies involved are aware of the issue and take corrective action.

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 2025-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
When I moved out of XXXX XXXXXXXX XXXX in XXXX, they charged a {$290.00} cleaning fee, which I paid in full on time. However, the landlord at the time, XXXX, proceeded to sell the debt anyway. I called him and told him I paid the debt and asked him why he sold it. He claimed that he remembered I paid him and that he wasn't sure what happened. I asked him for a receipt of the cashier 's check I gave him and he claimed he lost it. When I tried to follow up with him he did not respond. I've tried disputing this multiple times with the debt collector XXXX XXXX XXXX and they continuously deny it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX account # XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : * * Subject : Formal Dispute and Demand for Removal of Inaccurate Charge-Off Account * * To Whom It May Concern, I am writing to formally dispute the following inaccurate and unlawful information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The account in question is : * * Reported as : * * Charge-Off with Balance This account is * * fraudulent and in violation of the FCRA * * for the following reasons : XXXX. * * Incorrect Reporting as Charge-Off with Balance * * The creditor has * * failed to issue me a legally required XXXX ( Cancellation of Debt ) * * despite reporting this debt as a loss to the IRS. This constitutes * * fraudulent reporting * * because they can not legally continue to collect on a debt they have written off for tax purposes.

2. * * Violation of IRS Tax Code & FCRA * * By reporting this debt as a loss to the IRS * * without issuing me a 1099-C * *, the creditor has * * misrepresented the debt status * *. If they claimed a tax deduction for this loss, the balance must be * * {$0.00} * *, and the account must be * * removed from my credit report * *. 

XXXX. * * False & Misleading Information * * The continued reporting of a balance while claiming a tax write-off is * * deceptive and unlawful * * under * * 15 U.S.C. 1681e ( b ) * *, which requires maximum possible accuracy in credit reporting.

* * Demand for Immediate Action : * * - * * Delete this account * * from my credit file immediately.

Under * * 15 U.S.C. 1681i ( a ) * *, you are required to conduct a * * reasonable investigation * * within * * 30 days * * and remove any unverified or inaccurate information. If this account is not corrected or removed, I reserve the right to pursue legal action under the FCRA, including filing complaints with the * * Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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:
XXXX XXXX account # XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : * * Subject : Formal Dispute and Demand for Removal of Inaccurate Charge-Off Account * * To Whom It May Concern, I am writing to formally dispute the following inaccurate and unlawful information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The account in question is : * * Reported as : * * Charge-Off with Balance This account is * * fraudulent and in violation of the FCRA * * for the following reasons : XXXX. * * Incorrect Reporting as Charge-Off with Balance * * The creditor has * * failed to issue me a legally required XXXX ( Cancellation of Debt ) * * despite reporting this debt as a loss to the IRS. This constitutes * * fraudulent reporting * * because they can not legally continue to collect on a debt they have written off for tax purposes.

2. * * Violation of IRS Tax Code & FCRA * * By reporting this debt as a loss to the IRS * * without issuing me a 1099-C * *, the creditor has * * misrepresented the debt status * *. If they claimed a tax deduction for this loss, the balance must be * * {$0.00} * *, and the account must be * * removed from my credit report * *. 

XXXX. * * False & Misleading Information * * The continued reporting of a balance while claiming a tax write-off is * * deceptive and unlawful * * under * * 15 U.S.C. 1681e ( b ) * *, which requires maximum possible accuracy in credit reporting.

* * Demand for Immediate Action : * * - * * Delete this account * * from my credit file immediately.

Under * * 15 U.S.C. 1681i ( a ) * *, you are required to conduct a * * reasonable investigation * * within * * 30 days * * and remove any unverified or inaccurate information. If this account is not corrected or removed, I reserve the right to pursue legal action under the FCRA, including filing complaints with the * * Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because certain accounts on my credit report have not been properly investigated despite multiple formal disputes I submitted over several months. I have not received sufficient documentation showing that a reasonable investigation was conducted as required under the Fair Credit Reporting Act ( FCRA ). 

I sent written disputes to the credit reporting agency ( or agencies ) on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each dispute clearly identified the specific accounts being challenged, the reasons for the dispute, and included any supporting documentation needed to facilitate a proper reinvestigation. In my dispute letters, I specifically requested that the credit reporting agency provide : A full investigation of each account Verification of the accuracy of the accounts from the furnishers A description of the investigation conducted, along with the name and contact information of the furnisher they verified with, if applicable Despite these efforts, I have not received proper validation or results from any of the disputes. In most cases, I either received generic or automated responses or no meaningful response at all. No evidence or documentation demonstrating a thorough investigation was provided. Additionally, the disputed accounts continue to be reported inaccurately, negatively impacting my credit profile.

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