vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4800.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} * * Inquiries * * XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4800.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} * * Inquiries * * XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-15 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:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FILED ALL THE PROPER REPORTS AND PAPERWORK. THIS IS MY OFFICIAL DISPUTE INFORMING THIS AGENCY OF THESE FALSE ACCOUNTS THAT BEEN PLACED ON MY CREDIT FILE. UNDER THE FCRA ALL FALSE INFORMATION IS TO BE REMOVED AND WITH THAT SAID I RESPECTFULLY ASK FOR THESE FALSE AND FRAUDULENT ACCOUNTS BE REMOVED. THESE ARE ALL THE FALSE CLOSED ACCOUNTS REPORTING TO MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: MI

Complaint narrative:
I filled on line to Lexis Nexis in XX/XX/year> to get my consumer report. They mailed me a letter to my home address stating that I needed more information. ( XXXX ) I called on XXXX and gave them ( XXXX ) the information. On XXXX I called again and ( XXXX ) to see where the report was. She was supposed to resend it. On XXXX I called ( XXXX ) and she opened a new case ( XXXX ). I called again ( ( XXXX ) and she opened a XXXX case ( XXXX ) and reassured me that it would be sent. I went to my local post office to verify my address had not been changed and they had no records of mail from LexisNexis. It has been XXXX  months and its clear that they refuse to send me anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: LA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my consent. The following accounts are fraudulent and need to be removed from my credit report. XXXX XXXX - Opened XX/XX/XXXX With a balance of {$5600.00} Account number XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX With a balance of {$0.00} Account number XXXXXXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$290.00} Account number XXXXXXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$11000.00} Account number XXXXXXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$11000.00} Account number XXXXXXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$360.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-04-15 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I went to pay with this card at the supermarket. It got declined. Tried 3 times. Used another card fine. I have had this card for over 2 years, using it Daily. I got it because it gave good cashback, including 5 % for Streaming services. When I got home, I called the company. They informed me that they closed my account and would not tell me why and that I would get a letter in 7-10 days. On the XXXX XXXX day, I received the letter, which I will attach below. First two paragraphs are key. 

I would like to emphasize that XXXX XXXX  card companies do Not close accounts without notice ... EVER. I know because I have gotten Non-Use letters before. I got the same answer XXXX separate times from Supervisors, which they said they could not tell me why and I would get a letter. On the second time when I talked to a regular CS rep, I asked if this was happening? She seems to say quietly " yes ''. To me, this meant they were closing accounts of Americans, which I can hardly blame them in this government environment. But again, NO NORMAL CREDIT CARD COMPANIES CLOSE ACCOUNTS LIKE THIS, WITHOUT NOTICE.

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
Huntington Bank has wrongfully closed my account and refuses to properly investigate a $ XXXX dispute involving fraud. I reported that my XXXX XXXX account had been hacked and unauthorized transfers were made from my Huntington account to an account I do not have access to. I submitted a police report, emails, and documentation from XXXX XXXX showing that this was reported in a timely manner and confirmed as unauthorized, yet Huntington failed to take any action. They opened a dispute and closed it in less than XXXX hours without reviewing the evidence, contacting me, or contacting XXXX XXXX. I believe they did not even open my email or the attachments sent. I was told by XXXX XXXX that the funds were returned on their end, but I have not received anything back from Huntington. I have explained multiple times that I did not authorize the transfer to that hacked account, nor do I have any access to those funds. Huntington continues to say the transfer was authorized, but I never received the money and had no access to the destination account. I feel completely ignored and mistreated. They refused to explain why my account was closed, refused to respond to follow-ups, and are withholding over {$5000.00} of my money without cause or justification. I am a mother and student, and this financial loss is devastating. Huntington has failed to follow federal consumer protection laws, including the required investigation under the Electronic Fund Transfer Act, and I am requesting the CFPB intervene to help recover my funds and hold the bank accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Netspend Corporation
State: MI

Complaint narrative:
So basically its been XXXX months Ive been going through this with this company so I made a XXXX  complaint regarding the situation netspend responds right away once I sent in the complaint stating they reviewed my account and reversed all the fraudulent transactions but since the account is closed theyll be sending me a check for {$2800.00} which Ill be uploading for proof. But they claimed they sent me a check and I should receive it within 10 business days so on the XXXX business day I contacted the guy who have been responding right away within a hour literally up until the XXXX day so I emailed him to let him know hey its been XXXX business days and I still havent received my check he responds right away ask for my address to confirm he has the right address and says Ill be reissuing the check with a tracking number to make sure u received it this time and itll be expedited that was last week Ive been calling and emailing since last XXXX  no respond at all I feel like they lied to persuade me to change my bbb complaint with false allegations claiming they sent me a check they really never sent I want everyone to know about this company and theyre games

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 2025-04-15 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: FL

Complaint narrative:
On my Experian credit file it states that I owe XXXX XXXX XXXX for {$2400.00}. After calling XXXX XXXX XXXX, I received from them a letter stating that the account is not mine. I submitted it 3 times to Experian along with many phone calls. It has been more than 30 days so I called today. They said that they just got my letter and the 30 days starts when they receive my proof letter, not the day I submitted the dispute. 
It has been past 30 days, I have provided written, verifiable proof and its still not removed.

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 2025-04-15 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I recently reviewed my credit report and identified a reporting error that I am formally disputing. 
In accordance with 15 U.S. Code 1681i ( a ), consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information contained in consumer reports. Furthermore, per 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), if information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified during the reinvestigation, it must be promptly deleted or corrected. 

I am disputing the following item : Creditor : XXXX ( XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Creditor : XXXX ( XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Creditor : XXXX ( XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Creditor : XXXXXXXX XXXX ( XXXX ) Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Claim : This account is being reported inaccurately. It does not reflect my payment history accurately and is causing undue harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I recently reviewed my credit report and identified a reporting error that I am formally disputing. 
In accordance with 15 U.S. Code 1681i ( a ), consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information contained in consumer reports. Furthermore, per 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), if information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified during the reinvestigation, it must be promptly deleted or corrected. 

I am disputing the following item : Creditor : XXXX ( XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Creditor : XXXX ( XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Creditor : SYNCB/JCP ( JCPENNY ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Creditor : XXXXXXXX XXXX ( XXXX ) Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Claim : This account is being reported inaccurately. It does not reflect my payment history accurately and is causing undue harm to my credit profile.

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 2025-04-15 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: CO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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