vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-09 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:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
I noticed a delinquent/late payment reported by XXXX XXXX XXXX on my credit file, dated XX/XX/year>. This report is completely inaccurate. I have never missed or been late on any payments to XXXX XXXX XXXX. All payments have consistently been made on time and in full. 

This false delinquency is damaging and does not reflect my actual payment history. I request that this error be thoroughly investigated and removed from my credit report immediately. Please contact XXXX XXXX XXXX for verification and review the correct payment records to confirm my claim.

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 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EGL US, LLC
State: MI

Complaint narrative:
I was notified by a phone call around XX/XX/XXXX that I have a debt with a BMG money. I have a loan with XXXX and I pay on time through a payroll allotment. And from my knowledge, Ive been on time. Long story short they say I had a past due balance. Come to find out the debt is from back in XXXX XXXX and XX/XX/XXXX. I was never notified anytime in XXXX or to this day that I had this debt for this is loan. They want me to pay in full the past due amount. I believe after they were audited and found the debt. But I felt uncomfortable without getting something in writing ; to this date Ive received nothing in writing on their letterhead or otherwise just voicemails. I however, went on and set up a payment agreement and added {$25.00} every XXXX weeks to the current allotment that is paying the loan as previously agreed. This should not ever hit my credit report as being past due. That collector never provided written notification. XXXX currently paying ever XXXX weeks its not my fault they were unaware their billing system was screwed up. I should have been notified as soon as the payment was so called delinquent not a whole year later. Also after setting up an agreement XXXX still threaten to report me being past due to the credit bureaus. Totally unfair. XXXX in the mist of obtaining a mortgage loan so this is horrible timing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I deposited a check on Saturday, XX/XX/XXXX, into my new account. I understand that new accounts may have holds, but I've been told the funds will be held for 30-60 days, and I can not access my account via mobile. I need a clear, written explanation of why this specific extended hold has been placed on my account and exactly what is being investigated. I also need to know what steps I can take to help resolve this faster. I was told in PNC bank by 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and verify the check and I was told to leave. I feel I'm being scammed out my money it's a retirement check which means I had to put my work money from XXXX XXXX XXXX who I told them they can call anytime to verify ; I am a certified government locksmith ( physical Security ) .do you know what that means? I have a level 3 security clearance ; how can this be fraud? my rights are being violated with no explanation please help me. I've falling on hard times, i lost my place and i live in my car now because i couldn't pay the rent which that check would've helped, and I do XXXX to get by and i need that money. I don't want to sue I just want my check which is only {$2400.00} bucks like come on bro pnc bank didn't even follow they own policy and release XXXX bucks on Monday XXXX XX/XX/year> they only released. XXXX cents. At this point money moved from pending to ledger means y'all was paid and verified by XXXX XXXX I'm not understanding. i called they told it would be released Wednesday XXXX XX/XX/year> I woke up to no money at all then called and was told I won't get it till then they emailed me which i have saying it would be released on monday XXXX, XXXX  when i hung up and 20 minutes passed I checked my account and noticed to was no longer able to access my account so what gives???????????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-09 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
Despite multiple requests, the company has failed to remove the address XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX from my credit report. I have submitted supporting documentation clearly indicating that I am a victim of identity theft and do not reside at, nor have I ever authorized the use of, that address. I can not collect mail from this location, and its continued presence on my file poses an ongoing risk to my personal and financial security. 

Additionally, I am disputing the validity of the Department of Education XXXX XXXX account ( Account # XXXX ). I am requesting proof that this account belongs to me, as I have not authorized or taken out any such account. This account appears to be the result of fraudulent activity tied to the same identity theft incident, and I have already submitted documentation supporting my claim. 

The company refusal to remove this address and account, despite being provided the proper documentation, is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). I request the following : XXXX. Immediate removal of the address XXXX XXXX XXXX, XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX from my credit report. My current address and only address that should be on my report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 2. Verification and written proof that the XXXX XXXX  XXXX Account XXXX XXXX belongs to me. If proof can not be provided, the account must be deleted. 
3. A full reinvestigation of all disputed information.

4. A current copy of my credit report reflecting any and all updates following this reinvestigation.

5. Documentation of the sources Equifax & Experian used to verify the disputed information.

I request a prompt response and resolution to this matter. Failure to comply may result in further action, including the filing of formal complaints with the Federal Trade Commission ( FTC ) and pursuing legal remedies if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Goal Structured Solutions, LLC
State: SC

Complaint narrative:
I am submitting a formal complaint against Launch Servicing for reporting false credit information, harassing phone calls, and mishandling an approved hardship repayment plan. In XX/XX/XXXX, I entered into a hardship program with launch, requiring XXXX XXXX  monthly payments for three months. I made all payments on time, submitted all required documents, and received written confirmation that my account was in good standing with no full payment due until XX/XX/XXXX. Despite this, launch : Reported late and missed payments to all three credit bureaus Called me excessively ( 10+ times per day ), which violates FDCPA 806 Displayed inconsistent balances and due dates Ignored multiple calls I made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, where I spoke with a rep named XXXX who acknowledged the issue but failed to resolve it This is a direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 607 ( b ) failing to maintain accurate records FCRA 611 & 616 refusing to correct false data after notification FDCPA 806 harassing communications

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
this was discharged in my XXXX  XXXX in XX/XX/XXXX it was closed out then the company reported it reopened in XXXX of XXXX they are in violation of the XXXX XXXX i reached out and tolf them multiple times and they still havent fixed it with the bureas and it tanked my score over XXXX points they are in violation

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 2025-06-09 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: TN

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 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 2025-06-09 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: OH

Complaint narrative:
I'm reaching out to request immediate action regarding the data associated with my account. I need written confirmation that every piece of information linked to this account belongs solely to meno exceptions.

If you can not fully verify and certify that all data tied to this account is 100 % mine, then Im instructing you to permanently delete the entire account and any data stored under it.

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 2025-06-09 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:
Asked TransUnion to remove all inaccurate credit report information. Mailed certified letters requesting removal of inaccurate credit reporting, mailed supporting documents. Received credit reports on XX/XX/year> - XX/XX/year> - XX/XX/year> - XX/XX/year>. No removal of inaccurate information on credit report. TransUnion continues to show inaccurate information. For example there are XXXX accounts with Metro - 2 violations, ( 96 ) Re - Aging creditor has illegally re-aged the account to make it appear newer than it is repeatedly for over XXXX years on some accounts and XXXX  years on others. ( See attachments )

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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Sezzle Inc.
State: IL

Complaint narrative:
The Company : Sezzle Sezzle obtained my XXXX account number and it was not from me. My accountant brought this to my attention. I have been paying {$12.00} per month for the past 18 months. I had never heard of Sezzle. Emails to the company have been fruitless. I want to know who gave them my number. The CSR wants my DOB in order to " find '' my account. That is PII and I refuse .. so the CSR refuses. So, here I am. My suggestion .. be careful and as the note above says. Do not give out personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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 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 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 2025-06-09 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TX

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