vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
In XX/XX/scrub> 2022, a late payment was reported on my account by the creditor XXXX  XXXX ( CLOSED ). I dispute this report because I believe the information was not properly verified and that reasonable procedures were not followed to ensure that billing statements were sent at least 21 days before the due date, as required by law. Therefore, I submitted a written request asking for details on the procedures and verification used, based on Sections 1666 ( b ) and 1637 ( b ) of Title 15 of the U.S. Code.

In accordance with my rights as a consumer under the Fair Credit Billing Act and pursuant to 15 U.S.C. 1666, I am formally requesting that any reported late payments on this account be removed, as it has not been demonstrated that such reports are verifiable under the reasonable procedures required by law. 
Additionally, I request that the account be updated to a positive status on my Equifax, Experian, and TransUnion credit files. 
I requested that any unverifiable late payments be removed and that the account be updated to a positive status on my credit reports with Equifax, Experian and TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and Im unsure of how they got there. I review my credit report regularly, but this time, there were unexpected inconsistencies. I even refreshed my browser thinking it might be a technical error, but the inaccuracies remained. Given this situation, I kindly request a careful review of the documents Ive submitted to ensure this issue is resolved permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
Inquires made by someone else : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit reporting agency to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or remove the listed incorrect information on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to access my Truist banking account online ( via the app ). The access via the app was denied and I got a messaged saying " account locked ''. When I inquired about this I was told that my account has been locked due to fraudulent activity. I requested information on the alleged fraudulent activity and go no information. 

So basically, Truist decided to close my account without no prior warning or anything. They said that a check will be mailed to me for the amount that is currently in my account.

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 2025-04-22 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: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
Someone opened a Federal Destiny mastercard in XXXX with a balance of {$730.00} and a XXXX XXXX credit card in XXXX with a balance of {$890.00}. In my name. 
Both are maxed out and delinquent. It has greatly affected my credit score as I just found out on XX/XX/year> while purchasing a new vehicle. 
It greatly affected my interest rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
After trying to open a business bank account I was denied for information and inquiries that have been made without my consent. THE ONLY BANK ACCOUNTS I HAVE and gave permission to open or run any credit was XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my profound distress and disappointment regarding the repeated disregard of my disputes of negative items in my credit report by the credit bureaus. Despite my diligent efforts to rectify inaccuracies in my credit history, the credit bureaus have persistently failed to address my concerns, thus severely impacting my financial well-being and consumer rights. 
Under the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681 section 602 A, it is unequivocally stated that consumer reporting agencies must adhere to reasonable procedures to ensure maximum possible accuracy of the information contained in consumers ' credit reports. However, the ongoing negligence exhibited by the credit bureaus in addressing my disputes directly violates this fundamental provision designed to safeguard consumer rights.

Furthermore, in accordance with 15 U.S.C 1681 Section 604 A, Section 2, I am entitled to receive a prompt response from the credit bureaus regarding the investigation of any disputed items on my credit report. Despite my repeated attempts to engage with the credit bureaus and provide ample evidence supporting the inaccuracies in my credit report, I have been met with blatant disregard and delayed responses, thereby exacerbating the detrimental impact on my financial standing.

Moreover, according to 15 U.S.C 1681c. ( a ) ( 5 ), I have the explicit right to dispute any information contained in my credit report that I believe to be inaccurate or incomplete. This provision underscores the importance of consumer empowerment and the obligation of credit bureaus to facilitate the resolution of disputes in a timely and effective manner. However, the persistent failure of the credit bureaus to acknowledge and rectify the disputed items on my credit report directly contravenes this statutory provision, thereby depriving me of my fundamental rights as a consumer. 

List of negative items in Question : XXXX XXXX XXXX - XXXX - XX/XX/year> I implore the Consumer Financial Protection Bureau to intervene expeditiously and compel the credit bureaus to fulfill their legal obligations under the FCRA. I respectfully request a thorough investigation into the mishandling of my disputes and the implementation of corrective measures to rectify the inaccuracies in my credit report without further delay. My financial stability and consumer rights hang in the balance, and I trust that the CFPB will act decisively to uphold justice and accountability in the realm of credit reporting. 
Thank you for your attention to this urgent matter. I eagerly await your prompt response and decisive action in addressing this grievous issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
To Whom It May Concern, This letter is a formal notice demanding full proof of verification for the XXXX XXXX XXXX  XXXX XXXX account ending in XXXX, currently reporting on my Equifax credit report. 

In response to CFPB Complaint # XXXX, I specifically requested documentation substantiating the accuracy of this account. Your response, dated XX/XX/year>, was procedurally timely but legally noncompliant. You failed to provide : The method of verification The name and contact information of the furnisher who verified the data Any documentation supporting the accuracy of the reporting Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive the method of verification and the substance of the information provided by the furnisher. A vague statement that the account was verified is not sufficient under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
XX/XX/2023 and XX/XX/2023. My Navy Federal credit Account has hacked. And someone apply for credit card or loan. Also trying to transfer money in my account from someone else account. So they had to change my account twice because it wasnt me. So who every it was they had my credit check on XX/XX/2023 and XX/XX/2023. So that was me give authorization to pull my credit either time. So can I get this removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
On XX/XX/XXXX report number XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was deleted and XXXX XXXX XX/XX/XXXX account came back remains I disputed 30days passed by XXXX was change on my credit and that really affecting me

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 2025-04-22 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-22 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-22 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: Steel Lending Group LLC
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. 

Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. 

I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : Provide a detailed account of the data that was compromised ; Disclose the date and method by which the breach occurred ; Explain the steps your organization is taking to remediate the situation ; Provide documentation of your compliance with data protection laws ; Correct any errors on my credit file caused by this breach ; Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. 

Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. 

Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
Please promptly remove this data within 4 business day under 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
Please promptly remove this data within 4 business day under 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
I just received a letter from Equifax stating they can't find me in their system. It's pretty interesting that a company can report inaccurate information yet they can't find me in their system when a complaint is filed. I'm quite sure most of my identifying personal information shouldn't be on my consumer report. Especially the flourney address because I've never lived there ever and the only account associated with that address was a fraudulent account from a cable provider about 15 years ago .. maybe I should file an identity theft report? It's crazy to me that someone or some company with the power to create difficulties for a person applying for credit can't verify an account.... It would laughable if it wasn't as serious as it is. I'm demanding for Equifax to thoroughly investigate all of my complaints and remove inaccurate information immediately. I'm attaching the letter received AND a copy of my XXXX XXXX report. This should not take 30 days or longer. Thanks in advance. If I have to file a legal document or law suit, I'm happy to do so!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
Upon checking my credit report, I identified some incorrect information. The three credit bureaus are obliged to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to report unverified accounts without providing proof within the required period by law. Please investigate and correct the following account listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00}

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 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: IA

Complaint narrative:
XX/XX/XXXX, I had noticed that there was a big hit on my credit score opening my bank account app. It was 8 delinquencies due to my XXXX XXXX  that took me by surprise because i was under the impression that it was still in forbearance. I immediately called Mohela to resolve the issue and I learned they were trying to contact me on a invalid phone number and email address. I asked customer service if I could pay the amount due, even though I was unaware of the payments coming out of forbearance. The amount is {$790.00} with the next monthly payment of {$130.00} due XX/XX/year>2025. I feel like if I had an adequate notice of payment, then this could have been avoided with no delinquency charges. I would like for these charges to be taken off my credit history so that I can continue with payment without it affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XX/XX/year> letters sent for debt verification no response 15 u.s. code 1635 15 u.s. code 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
I recently reviewed my credit report and found multiple errors in my account details. These inaccuracies are negatively impacting my ability to secure credit. Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX, and 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