vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Formal Complaint Against Equifax Information Services for FCRA Violation Unauthorized Reinsertion of Previously Removed Accounts Dear Consumer, Financial Protection Bureau, I am filing a formal complaint against Equifax Information Services for violating Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). 
I previously disputed several inaccurate accounts on my credit report due to identity theft. 
Equifax Information Services investigated the matter and subsequently removed the following accounts from my credit file : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX However, I recently discovered that these accounts have been reinserted without any prior notification, which is a direct violation of FCRA regulations. 
As you are aware, FCRA Section 611 ( a ) ( 5 ) ( B ) requires credit reporting agencies to notify consumers within five business days if previously deleted information is reinserted. 
Equifax Information Services failed to provide me with such notice, causing undue stress and potential damage to my credit profile. 
I have attempted to resolve this issue directly with Equifax Information Services, but they have failed to provide an adequate response. I am now requesting CFPBs intervention to ensure Equifax Information Services complies with the law and removes these unauthorized reinsertions immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
On XX/XX/XXXX, A request of validation proof was sent to LVNV Funding to prove that I owe debt in question, company has not responded and it has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently obtained copies of my most recent credit reports and I noticed some inaccuracies on my Credit report such as Unrecognized and Unauthorized inquiries on my consumer report. I will attach A copy of a photo Id, Social security card, along with a FTC report. I ask Transunion to investigate and remove these unauthorized Hard inquiries from my report, and to send an updated consumer report to my address on file. 

XXXX XXXX  XX/XX/year> XXXX ( XXXX  ) XX/XX/year> XXXX  XXXX ( XX/XX/year> ) XXXX  XXXX  ( XXXX ) XXXX  ( XX/XX/year> ) XXXX XXXX XXXX XX/XX/year> ) XXXX  ( XX/XX/year> ) XXXX XXXX  ( XX/XX/year> )

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity and used my personal information to open some loans and some other accounts!! Ive never gave anyone authorization or permission to use my name or signature for anything. Inquirues are 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

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I sent a debt validation and cease and desist order to you guys via mail and fax. YOU NEVER RESPONDED. I have never did any business with Resurgent Capital or any of its partner companies. This is a result of identity theft, and it NEEDS to be removed. See my attached letter and provide ALL of the items on my XXXX list, EVERY SINGLE ITEM, or remove it from my credit report and cease collections on the debt. You guys are also harassing me, calling me several times a day after I told you to STOP calling me. Just for that, I have grounds to sue you. I keep records of my call logs. I have won every lawsuit against other collection agencies I've sued. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding the inaccurate and misleading reporting of the XXXX XXXX XXXX account ( Account # : XXXX ) on my credit reports with Experian, TransUnion, and Equifax. Specifically, the payment history shows rolling 120 days past due each month for over two consecutive years, despite no activity since XX/XX/year>. This constitutes unlawful re-aging and misrepresentation in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( failure to conduct a reasonable reinvestigation ), 1681e ( b ) ( failure to maintain maximum possible accuracy ), and 1681c ( obsolete information ).

These payment status updates artificially extend the delinquency period, damaging my credit standing and mischaracterizing the true age and nature of the account. There is no evidence of recurring delinquency or new payment activity to justify continued derogatory reporting. 

You were sent a Demand to Comply letter over 60 days ago. The letter which is dated and time stamped is attached for your reference. Additionally, the bureaus have failed to ensure consistency and data integrity. The comments and status descriptions differ significantly : TransUnion : Foreclosure initiated Experian : Foreclosure proceeding started Equifax : FORECLOSURE PROCESS STARTED FIXED RATE These inconsistencies further violate FCRA 1681e ( b ), demonstrating the data furnishers and CRAs are not upholding uniform and verifiable standards.

Given that my personal data was exposed in a prior data breach and that this account has never been properly verified with supporting documentation, I assert that its continued reporting without validation further violates 15 U.S. Code 1681a and 1681b, which prohibit the inclusion of unverifiable or unauthorized information.

I demand immediate deletion of this tradeline

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
RE : Dispute of Inaccurate Student Loan Reporting Request for Deletion To Whom It May Concern, I am writing to formally dispute the reporting of the following student loan accounts on my credit report, as they contain inaccuracies and potential violations of federal regulations : Creditor Name : AIDVANTAGE Account Number : XXXX - 1 Reported Balance : {$32000.00} Despite ongoing regulatory actions involving financial data security, I am entitled under the Fair Credit Reporting Act ( FCRA ) to a reasonable investigation into the accuracy of the information being reported.

I am request that you conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). If the furnishing party can not provide documented proof of the debts validity, including a legally binding promissory note bearing my original wet-ink signature, this account must be deleted immediately.

I have reason to believe that AIDVANTAGE may have disclosed my educational records and financial information without my explicit, written consent, in possible violation of the Family Educational Rights and Privacy Act ( FERPA ). I request full documentation proving that my consent was lawfully obtained for this disclosure. If such documentation can not be provided, this account must be removed.

If my loan servicer acts as a debt collector, they are required under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act FDCPA ) to provide proper validation upon request. I formally request such validation, including a detailed payment history, contract agreement, and evidence of lawful collection authority. 
The furnishing of inaccurate and misleading information is causing financial harm and undue distress. I expect your adherence to federal regulations and request the immediate deletion of this account. I hope that you will uphold the law and immediately remove this account from my credit report due to the lack of verified, lawful reporting and potential FERPA/FCRA violations. 
Please provide a written response to the address above, detailing the verification process, the specific documentation reviewed, and a copy of my original signed agreement, along with any records proving the lawful furnishing of my student loan data. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I am a XXXX XXXX consumer on a fixed XXXX income. In XXXX, I received a car title loan from XXXX XXXX XXXX XXXX XXXX, XXXX ) for approximately {$2800.00}. The loan became unaffordable due to what I believe were predatory interest rates and deceptive terms. 

The account was charged off in XXXX, with no payments or activity since then. However, XXXX continues to report this account with a current balance of over {$35000.00}, and they have recently added new charges as of XXXX and XX/XX/XXXX, despite the charge-off occurring almost 7 years ago. 

I disputed this account through XXXX in early XXXX. During the dispute process, LoanMart increased the balance by {$480.00}, which I believe is an attempt at debt re-aging and is not only inaccurate but potentially unlawful under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB investigate this account for : Possible falsification of credit reporting Balance inflation after charge-off Debt re-aging during a dispute Use of predatory lending practices targeting a disabled consumer I would like this account corrected or removed from my credit report, and for LoanMart to stop reporting new balance activity on a closed, charged-off loan from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint to formally address my concerns regarding an unverified account reported by XXXX XXXX XXXX that remains on my credit reports despite my repeated disputes. 

The account in question has been consistently marked as " verified '' by Experian and Transunion, even though no sufficient evidence has been provided to substantiate its accuracy. As per the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable investigation into any disputed information. Furthermore, 15 U.S.C. 1681i ( a ) ( 2 ) mandates that if the furnisher of the disputed information fails to provide verifiable proof of its accuracy, the credit bureau must promptly remove the information from the consumer 's credit file. 

It is important to note that this debt originated with XXXX XXXX, was referred to XXXX XXXX XXXX XXXX, and is now associated with other third-party entities. Despite my efforts to uncover who is ultimately responsible for reporting this debt, I have been unable to obtain clear answers. Each company I contact redirects me back to another, creating a frustrating cycle with no resolution.

Additionally, the address identification number associated with this debt on Experians records does not match any of my current addresses. This discrepancy violates Section 605 ( b ) of the FCRA ( 15 U.S.C. 1681c ), which mandates accuracy in reporting.

Despite my attempts to seek clarification and validation of this debt, I have been met with legal threats from the debt collectors involved, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) under Regulation XXXX The lack of transparency, ongoing inaccuracies, and threats of legal action are unacceptable and have caused significant distress.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ

Complaint narrative:
On XX/XX/year> someone walked into a Huntington bank and withdrew {$5000.00} from my account. I have faught with this bank for a long time to see how someone has access to my account, they denied the claim and closed the account. I have tried several times to get my funds. They will not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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