vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: WA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is against Transunion who on many different occasions, have been asked to remove the incorrect information that is on my report. I have NEVER ever lived in any other states other than XXXX XXXXXXXX XXXX for 42 years and then XXXX for the past 15.5 years, My report is constantly locked because the security questions that they present, are from the information that I have continued to dispute. I have never in my life had such difficulty. I have requested this information to be corrected for too long and it should not block me from obtaining credit or employment but it has. This is a thorn in my side and i am exhausted trying to get this requested granted. Its not fare and it goes against the consumer protection rules. I have the right to have my report corrected and not denied. Please help!!! This last incident of rejection was today XX/XX/year>. I spoke to representative name XXXX. She asked i believe 4-5 questions relating to my personal information as it appears on their files. I was only able to answer one question about my sister in law 's demographics and the report remains locked and i am unable to retrieve any additional information from any supervisor or general manager. She ended my call by supposing to transfer me to her supervisor of which was on the phone for about 30 minutes with no response on their end. If this is happening to me, how many others are going through the same thing? I hope this can be resolved through you all because this is not right whatsoever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$200.00} ; XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$410.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4200.00} ; XXXX XXXX XX/XX/year>2023. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 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 2025-05-30 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account listed on my credit report, The account was originally held by XXXX XXXX, and appears to have been transferred or sold to LVNV funding LLC. with an account starting # XXXX. 

I dispute this item because : I was not properly informed to the transfer or sale of this account. 
I do not recognize any agreement with this third agency. 
I am requesting full validation of the debt, including a copy of the original contract, itemized balance, and proof of ownership or assignment from the original creditor. 

Under the Fair Credit Reporting Act ( FCRA ) I am requesting that this account be investigated and removed from my credit report if it can not be fully validated. 

Please confirm in writing that you have received this dispute and will conduct a proper investigation, If the information is verified, please provide supporting documentation. If it can not be verified, the entry must be deleted from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
" I have repeatedly informed Equifax of inaccuracies in my credit report, yet they continue to report incorrect information. Despite my efforts, they have not made the necessary corrections, which is both unfair and a violation of my rights under consumer protection laws. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: TN

Complaint narrative:
I am filing a formal dispute regarding an account reported by WORLD FINANCE CORPORATION and now listed as charged off and sold to XXXX XXXX XXXX XXXX. 

Account Name : WORLD FINANCE CORPORATION Account Number : XXXX Original Balance : {$300.00} Charged-Off Balance : {$390.00} Status : Charged off and transferred Date Opened : XX/XX/XXXX Date Charged Off : XX/XX/XXXX On Record Until : XXXX/XXXX This item is negatively affecting my credit and I formally dispute its accuracy, completeness, and validity under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically under : 1681i ( a ) My right to dispute inaccurate, incomplete, or unverifiable information and have it corrected or removed following a reinvestigation.

1681s-2 ( b ) Furnishers of information must conduct a reasonable investigation upon receiving a dispute and must correct or delete any inaccurate or unverifiable data.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I have a legal right to request debt validation. I have not been properly notified of this debt or provided any documentation to verify its legitimacy, and the reported amounts appear inflated and inconsistent with the original balance.

I am demanding a full investigation. If the debt can not be fully validated with proper documentation, I request immediate deletion of this account from all consumer reporting agencies. Continuing to report unverifiable or inaccurate information is a violation of federal law.

Please take appropriate action to investigate and remove this item if compliance can not be demonstrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: GA

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. 



List of Unauthorized Inquiries : XXXX XXXX XXXX - 2024XXXXXXXX XXXX XXXX - 2024XXXXXXXX XXXX XXXX - 2024XXXX XXXX XXXX - 2024XXXX XXXX XXXX XXXX - 2024XXXX XXXX XXXX XXXX  - 2024XXXXXXXX XXXX XXXX XXXX  - 2024XXXX XXXX XXXX  - 2024-XXXX XXXXXXXX XXXX XXXXXXXX - 2024-XXXX XXXX XXXX  - 2024-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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: NY

Complaint narrative:
Formal Dispute and Request for Deletion of Account First Progress/First Latitude ( Account # XXXX ) I am writing to formally dispute the validity of the above-referenced account, which is currently reporting on my credit report. I am requesting that this account be canceled, removed, and permanently deleted from all consumer reporting agencies. 

This account was funded directly by me as a secured credit card, yet I never received an active card, never activated it, and never used it to make any purchases. Despite no usage, I was charged a {$49.00} annual fee, followed by additional late fees and interest charges. As shown on the attached statements : No purchases or transactions were ever made. 

A {$49.00} annual fee was posted without any service rendered. 

Subsequent fees and interest were added unfairly. 

I never received a functioning card or had the opportunity to use the account. 

This situation has directly harmed my credit standing and placed an unwarranted burden on my report. I have fulfilled my end of the agreement by funding the secured account, yet the company failed to provide me with the means to use it. I consider this a violation of fair lending and consumer protection practices, and I formally request : Immediate cancellation of this account. 

Full deletion of this account from all credit reporting bureaus ( XXXX XXXX and XXXX XXXX. 

A written confirmation that no further charges or penalties will be applied to this account. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you complete a reasonable investigation into this matter and respond within the required 30-day time period. Failure to take appropriate action will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office.

Please find copies of the billing statements showing the unauthorized charges and lack of usage, along with a copy of my ID and proof of address. 

I expect a response within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ITALBANK INTERNATIONAL, INC.

Complaint narrative:
I opened an account with ItalBank and received funds from the sale of a property. This money was meant for my studies abroad. My account was hacked and someone impersonated me, transferring all my funds to another account. I was told early in the process that some of the money was used to buy a vehicle. Since then, Ive been requesting a refund and updates. The case began in XX/XX/scrub> 2023, and nearly two years later, I still havent received any meaningful updates or resolution. Ive followed up constantly, sending multiple emails, but the only answer I get is that theres an ongoing investigation. Ive had no new information in over a year, and Im now forced to take further action to recover my money.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
I requested to have this debt removed from my credit report. This debt does not belong to me. 
This debt was the result of fraud against my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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 writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AL

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1100.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-30 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 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 response to consumer: Closed with non-monetary relief