vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: AL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate information being reported by Transunion on my credit report. The details of the incorrect information are as follows : Account Name/Number : XXXX Nature of the Inaccuracy : Charged account reporting a balance Date of OccurrenceXXXX I have already attempted to resolve this issue by contacting Transunion directly, but they have failed to correct the errors or provide an adequate resolution. Relevant Laws and Rights : The Fair Credit Reporting Act ( FCRA ) provides protections against inaccurate reporting by credit bureaus. Specifically, I believe the credit bureau has violated the following provisions of the FCRA : FCRA Section 1681e : This section mandates that credit reporting agencies ensure the accuracy of the information reported. If they report incorrect information, they must investigate and correct it. Despite these legal protections, the credit bureau has not corrected the inaccuracies or taken appropriate action to resolve my complaint. I am requesting the CFPB 's assistance in addressing this issue and ensuring that my credit report accurately reflects my financial history. Thank you for your attention to this matter. I trust the CFPB will work to ensure that my consumer rights under the Fair Credit Reporting Act are upheld. Please do not hesitate to contact me at XXXX if you require additional information

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 2025-03-12 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: AL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate information being reported by Equifax on my credit report. The details of the incorrect information are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : incorrect payment status XXXX XXXX XXXX I have already attempted to resolve this issue by contacting Equifax directly, but they have failed to correct the errors or provide an adequate resolution. 

Relevant Laws and Rights : The Fair Credit Reporting Act ( FCRA ) provides protections against inaccurate reporting by credit bureaus. Specifically, I believe the credit bureau has violated the following provisions of the FCRA : FCRA Section 1681e : This section mandates that credit reporting agencies ensure the accuracy of the information reported. If they report incorrect information, they must investigate and correct it. 

Despite these legal protections, the credit bureau has not corrected the inaccuracies or taken appropriate action to resolve my complaint. I am requesting the CFPB 's assistance in addressing this issue and ensuring that my credit report accurately reflects my financial history. 

Thank you for your attention to this matter. I trust the CFPB will work to ensure that my consumer rights under the Fair Credit Reporting Act are upheld. Please do not hesitate to contact me at XXXX if you require additional information

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 2025-03-12 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. The accounXXXX XXXX is inaccurate.

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 2025-03-12 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: MD

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 XXXX 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 2025-03-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX Funding, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Nevada XXXX XXXX 
Dear XXXX Funding, XXXX Re : Cease and Desist Notice I am writing to formally demand that you immediately cease and desist from spreading false and defamatory to all credit bureaus. Your actions are unlawful and are in violation of the defamation of character ( per se ). Negligent Enablement of identity fraud. Fair debt collections practices act 15 USC 1692g violations. Fair Credit Reporting Act 15USC 1681 ciolations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] you have made false and defamatory statements about me in public forums. This conduct is harmful and unacceptable. I demand that you immediately : 1. Cease from using my personal information to report false information to the credit bureaus. 2. Desist from making defamatory statements, and engaging in any harassments. 3. Refrain from falsing and illegally sending information to the credit bureaus. If you fail to comply with this request by XX/XX/year>, I will be forced to take legal action, including but not limited to seeking an injunction and pursuing damages, without further notice. This letter is intended to serve as a final warning before legal steps are taken to protect my rights. I trust that you will respect my rights and cease the aforementioned actions immediately. Please confirm in writing by XX/XX/year> that you have complied with this demand. If you have any questions or wish to discuss this matter further, you can contact me at XXXX or XXXX. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
The bank restricted my account for no reason. I had a good amount of money in my account. Decided to transfer my VA funds into my account and they automatically restricted it. Called several times daily with no resolution. The Reps would all tell me something different and get extremely upset because I was calling and asking questions about my hard earned money. They are still holding my funds and wont release them. I have nothing to my name to sustain. My children are hungry, bills havent been paid, I have NO gas. I am overwhelmed and no one, especially a Veteran should be treated like such. 

Dates XXXX XXXX XXXX : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: LA

Complaint narrative:
I filed a dispute on Experian due to failure on reporting on an existing dispute. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting all of these derogatory remarks be removed or corrected immediately. It's affecting my chances of getting an apartment, car, or any new credit lines. Experian violates my rights as a citizen. I filed for bankruptcy and they still allow creditors to charge my credit effecting my score and future probabilities.

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 2025-03-12 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-12 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: Consumer Financial Services
State: IL

Complaint narrative:
Inaccurate information on my credit report identity theft. Accounts do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
Formal Dispute of Inaccurate Information and Notice of Noncompliance under 15 U.S. Code 1681i To whomever it may concern, I am writing to formally dispute inaccurate information contained in my credit report, as outlined by my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. The following item ( s ) on my credit report are inaccurate and should be removed immediately : XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX {$960.00} XXXXXXXX XXXX {$250.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$350.00} XXXX {$520.00} I am not aware of these accounts and have never received any verified proof that they belong to me. I kindly request their immediate removal from my credit report. Additionally, there are two eviction records on my credit report that are also inaccurate and should be removed : XXXXXXXX XXXX XXXX : This eviction does not belong to me and is associated with someone elses Social Security number. My Social Security number has never been XXXX therefore shouldnt be linked to this eviction. 
XXXX XXXX XXXX : This case was Voluntarily Nonsuited at Plaintiffs Cost on XX/XX/year>. This means the case was dismissed and should not appear as an eviction on my record. Furthermore, I have never been evicted in my life. 

These inaccuracies are unfairly hindering my life, affecting my opportunities, and causing unnecessary distress. I have previously requested watermarked proof of my signature or any legitimate documentation verifying that these accounts outside of these evictions belong to me, yet no such proof has been provided. I demand that you immediately : 1. Conduct a proper investigation into the disputed items as required by law.

2. Remove all inaccurate and unverified information from my credit report.

3. Provide me with a written statement confirming the completion of your investigation and any actions taken.

If you fail to comply, I will have no choice but to pursue legal action to enforce my rights and seek damages as allowed under the FCRA. Please consider this letter formal notice of your noncompliance and my intent to escalate matters if this dispute is not resolved promptly. I expect a written response within 30 days from the date of this letter.

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 2025-03-12 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: TX

Complaint narrative:
Formal Dispute of Inaccurate Information and Notice of Noncompliance under 15 U.S. Code 1681i To whomever it may concern, I am writing to formally dispute inaccurate information contained in my credit report, as outlined by my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. The following item ( s ) on my credit report are inaccurate and should be removed immediately : XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX {$960.00} XXXXXXXX XXXX {$250.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$350.00} XXXX {$520.00} I am not aware of these accounts and have never received any verified proof that they belong to me. I kindly request their immediate removal from my credit report. Additionally, there are two eviction records on my credit report that are also inaccurate and should be removed : XXXXXXXX XXXX XXXX : This eviction does not belong to me and is associated with someone elses Social Security number. My Social Security number has never been XXXX therefore shouldnt be linked to this eviction. 
XXXX XXXX XXXX : This case was Voluntarily Nonsuited at Plaintiffs Cost on XX/XX/year>. This means the case was dismissed and should not appear as an eviction on my record. Furthermore, I have never been evicted in my life. 

These inaccuracies are unfairly hindering my life, affecting my opportunities, and causing unnecessary distress. I have previously requested watermarked proof of my signature or any legitimate documentation verifying that these accounts outside of these evictions belong to me, yet no such proof has been provided. I demand that you immediately : 1. Conduct a proper investigation into the disputed items as required by law.

2. Remove all inaccurate and unverified information from my credit report.

3. Provide me with a written statement confirming the completion of your investigation and any actions taken.

If you fail to comply, I will have no choice but to pursue legal action to enforce my rights and seek damages as allowed under the FCRA. Please consider this letter formal notice of your noncompliance and my intent to escalate matters if this dispute is not resolved promptly. I expect a written response within 30 days from the date of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts and items that I have found to be inaccurate. 

XXXXXXXX XXXX XXXX credit account ending in XXXX reporting 30, 60 & 90 days late - Inaccurate XXXX XXXX XXXX XXXXedit account ending in XXXX reporting 30, 60 & 90 days late - Inaccurate XXXX XXXX XXXX credit account ending in XXXX reporting 30 days late - inaccurate XXXX XXXX XXXX credit account ending in XXXX reporting 30, 60 & 90 days late - inaccurate XXXX XXXX XXXX account ending in XXXX reporting 30 & 60 days late - innacurate XXXX XXXX XXXX account ending in XXXX reporting 30, 60, & 90 days late - inaccurate XXXX XXXXXXXX XXXX account ending in XXXX reporting 30 & 60 days late - inaacurate XXXX XXXX credit account ending in XXXX reporting 30 & 60 days late inaccurate XXXX XXXX XXXXredit account XXXX XXXX XXXX reporting 30, 60 & 90 days late - inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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.

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief