vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
my credit report has been Breached. 
EquiFax credit Union is reporting inaccurate information on my credit report. They have on my credit report that I was late paying XXXX XXXX. I have never been late paying XXXX XXXX. They also have an account on my credit report concerning XXXX XXXX, this is an account that they were notified about. XXXX XXXX  never validated an account that they claimed that I owed. I wrote several letters to XXXXXXXX XXXX and also to Equifax. I wrote several letters to Equifax explaing this to them but obviously they don't care. They kept that account on my credit report inspite of me writing letters asking them to validate the debt. XXXXXXXX XXXX never even tried to validate the debt. they eventually charged the debt off and the charge-off is on my credit report. How can I possibly have a charge-off on a debt that I never agreed to. There is alot of inaccurate information on my credit report because of the Negligent behavior of EquiFax Credit Union. I think Equifax is dishonest, I think they should be investigated. I personally think Equifax is causing these breaches. There are also several addresses on my credit report that have never belong to me My account has been breached by equifax 15usc1681 equifax is fraudulently allowing things on peoples credit reports that are inaccurate. Iam going to hire a lawyer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
A credit reporting company and XXXX did noy notify me about a debt that I owed on equipment that I returned. They said they did not receive it. I have what I sent back to them with serial numbers and XXXX sent it back to them but I did not get the credit. I recently got a notice from my credit monitoring service that they had lowered my credit rating by XXXX points. I immediately paid XXXX even though I had returned the equipment. I want them to both withdraw there claim to XXXX and the other credit agencies. 

I had no notice of the XXXX XXXX XXXX or XXXX telling me that they did not receive my equipment. I have excellent credit ( over XXXX ), and now it is trashed with me not able to remedy before they did this.

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 2025-04-03 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: GA

Complaint narrative:
This letter serves as my formal request under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ) for a detailed Method of Verification ( MOV ) regarding the specific disputed account on my credit report, namely the XX/XX/year>2025 late payment for XXXXXXXX XXXX 

I previously disputed this item, yet it remains on my report without resolution. I am now demanding full compliance with federal law, including the immediate temporary suppression of this account while the investigation is ongoing. 

Please be advised that failure to comply with this request will constitute a violation of my rights under federal law. If necessary, I will take further legal action to protect my rights and ensure the accuracy and integrity of my credit report. 

I expect your prompt and thorough response in accordance with the requirements of the 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 non-monetary relief
Consumer complaint received 2025-04-03 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: MD

Complaint narrative:
I am sending to formally address discrepancies in my credit report and request a fair resolution. I respectfully ask that you review and ensure the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$710.00} XXXX XXXX BALANCED {$760.00} XXXX  XXXX XXXX BALANCED {$580.00} XXXX  XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$170.00} XXXX  XXXX XXXX BALANCED {$80.00} XXXX XXXX BALANCE {$2800.00} XXXX XXXX XXXX BALANCE {$370.00} In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough review and reinvestigation of any disputed items on my credit report. If any item can not be verified with concrete evidence, I ask for its immediate removal to avoid any inaccuracies that may adversely impact my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: MD

Complaint narrative:
I am sending to formally address discrepancies in my credit report and request a fair resolution. I respectfully ask that you review and ensure the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$710.00} XXXX XXXX BALANCED {$760.00} XXXX  XXXX XXXX BALANCED {$580.00} XXXX  XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$170.00} XXXX  XXXX XXXX BALANCED {$80.00} XXXX XXXX BALANCE {$2800.00} XXXX XXXX XXXX BALANCE {$370.00} In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough review and reinvestigation of any disputed items on my credit report. If any item can not be verified with concrete evidence, I ask for its immediate removal to avoid any inaccuracies that may adversely impact my credit standing.

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 2025-04-03 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-04-03 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: LA

Complaint narrative:
I HAVE DISCOVERED UNATHORIZED ACCOUNTS AND INQUIERIES ON MY CONSUMER REPORT, PROMPTING ME TO FILE A COMPLAINT WITH THE FEDERAL TRADE COMMISSION ( FTC ). MY GREVANCE IS DIRECTED TOWARDS TRANSUNION, EXPRIAN, EQUIFAX FOR INFRINGING UPON MY COSUMER RIGHTS BY INCLUDING THESE ACCOUNTS IN MY CREDIT REPORT. I STRONGLY BELIEVE THAT THIS SITUATION EXPLOITS ME, AND I SEEK SESOULUTION. 
ACCOUNTS XXXX  XX/XX/XXXX {$710.00} DEPT OF ED XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX {$720.00} XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00}, XXXX {$1100.00} XX/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 2025-04-03 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: AZ

Complaint narrative:
I am writing to formally dispute an account that I believe has been opened fraudulently in my name. Upon reviewing my recent statements, I noticed a [ fraudulent charge/account ] that I did not authorize. Here are the relevant details of the account in question : Account name : XXXX  XXXX Account Number : XXXX Date of Fraudulent Activity : XX/XX/year>2022 Amount of Fraudulent Charge : {$600.00} I have taken the following steps to resolve this issue : I have contacted the company to notify them of the fraudulent activity. 

I have filed a police report regarding this matter. The report number is XXXX I have contacted the credit reporting agencies and placed a fraud alert on my account to protect against further misuse of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>2025, I submitted a dispute and settlement offer to XXXX XXXX regarding a debt that appears on my credit report. I offered to resolve the account, but I never received any response within the 30-day timeframe required under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>2025, I followed up with a second letter requesting a response and asking for verification of the account. To this day, I have not received any communication, update, or validation from the company, and the account remains on my credit report. 

According to the FCRA, if the company can not verify the accuracy of the reported information within 30 days, it must be removed. I am requesting that this account be removed from my credit report or that the CFPB assist in resolving the matter. 

I have copies of both letters and proof of delivery as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Subject : Formal Complaint Against XXXX and MoneyLion for Reporting Inaccurate Information and Unprofessional Behavior Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint regarding inaccurate information that was reported on my credit report by XXXX and MoneyLion, both of which have failed to resolve this issue in a satisfactory manner. 

Here are the details of the situation : Inaccurate Reporting by MoneyLion : I disputed an entry on my credit report with both XXXX and MoneyLion. MoneyLion admitted that they had reported incorrect information. Despite this admission, the inaccurate information has not been corrected, and I am demanding that it be removed from my credit report immediately. This issue violates the Fair Credit Reporting Act ( FCRA ), which requires all information reported to be accurate, complete, and verifiable. 

Unprofessional Customer Service from XXXX : While trying to resolve the dispute, I contacted XXXX and was given a customer service number that led me to an XXXX XXXX XXXX XXXXnstead of a legitimate customer service line. This is both highly unprofessional and concerning. I have mailed documentation of this issue to both XXXX and MoneyLion, but I have not received an adequate response. 

This situation constitutes multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), and I am seeking immediate action to resolve these matters. Specifically, I am requesting : The immediate removal of the inaccurate information from my credit report. 

Confirmation in writing that the incorrect data has been removed within the time frame stipulated by the law ( 30 days ). 

A formal apology from both XXXX and MoneyLion for their handling of this situation. 

If this issue is not resolved promptly, I will consider taking further action, including legal recourse, to ensure my rights are upheld. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 non-monetary relief
Consumer complaint received 2025-04-03 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: CO

Complaint narrative:
I have disputed this several times, I want proof that this is mine and I have not seen it. This is harassment at this point, causing harm to my credit for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
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 non-monetary relief
Consumer complaint received 2025-04-03 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: DE

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i submitted a copy of my registered trademarked name on a public record and asked TRANSUNION TO REMOVE THE INFRINGMENT!! or i will take legal action and they refuse to remove the public record violating Michigan Act 242 of 1969 and the Lanham 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting the removal of inaccurate, outdated, and unverifiable personal information from my credit reports with XXXX, Equifax, and XXXX. Despite submitting formal written disputes in accordance with the Fair Credit Reporting Act ( FCRA 609 and 611 ), these credit bureaus continue to report incorrect names, outdated addresses, and employers that are not associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-03 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: OK

Complaint narrative:
I am writing to dispute inaccurate information that appears on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information. 

My Personal Information : Full Name : XXXX XXXX XXXX, XXXX Current Address : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, OK XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Account Information Being Disputed : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Type of Account : Auto Loan Specific Items Disputed : XXXX. Inaccurate XXXX XXXX : The account shows a current balance of {$10000.00} as of XX/XX/XXXX, but also indicates the account was charged off for {$19000.00} with {$11000.00} past due in XX/XX/XXXX. These conflicting balances can not both be accurate. 
XXXX. Continued Negative Reporting After Charge-off : The payment history grid shows continued late payment codes for years after the XX/XX/XXXX charge-off date. Once an account is charged off, no new delinquencies should be reported. 
XXXX. Inconsistent Status Information : The report states the account was charged off in XX/XX/XXXX, yet it shows " Status updated : XX/XX/XXXX, '' which is inconsistent and potentially misleading. 
XXXX. Possible Re-aging Concerns : The account appears to have been improperly re-aged, with reporting of new delinquencies after the charge-off date. 

Action Requested : Under the FCRA, I request that you investigate these discrepancies and verify the accuracy of this information with XXXX XXXX XXXX. If the information can not be verified as accurate, I request that it be corrected or removed from my credit report. 

I have attached copies of the following documents to support my dispute : Copy of the credit report dated XX/XX/XXXX, highlighting the disputed items Please investigate this matter and provide me with the results of your investigation as soon as possible. I understand that under the FCRA, you have XXXX days to investigate this dispute. 

Thank you for your prompt attention to 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 explanation