vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: CT

Complaint narrative:
Third attempt, I am requesting the immediate removal of inaccurate information from my credit report, as it violates my rights under the Fair Credit Reporting Act. The following accounts contain errors and should be removed : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3. XXXX XXXX # XXXX 4XXXX XXXX XXXX XXXX # XXXX 5. XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX 6. XXXX XXXX XXXX Account # XXXX 7. Equifax, Transunion & Equifax Inaccurate address data that I am not associated with.

Legal Violations : * 15 U.S.C. 1681 ( Fair Credit Reporting Act, Section 602 ( A ) ) : I have the right to privacy and accurate reporting.

* 15 U.S.C. 1681b ( a ) ( 2 ) ( Section 604 ( A ) ) : No consumer reporting agency may furnish an account without my written consent.

* 15 U.S.C. 1681c ( a ) ( 5 ) : No report should include any adverse information older than seven years, except for criminal convictions.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person must not furnish information to any consumer reporting agency if they know or should reasonably know the information is inaccurate.

The accounts listed above have inaccuracies that violate these statutes. I request the immediate correction or removal of these entries to ensure my credit report is accurate and in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: CT

Complaint narrative:
Third attempt, I am requesting the immediate removal of inaccurate information from my credit report, as it violates my rights under the Fair Credit Reporting Act. The following accounts contain errors and should be removed : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3. XXXX XXXX # XXXX 4XXXX XXXX XXXX XXXX # XXXX 5. XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX 6. XXXX XXXX XXXX Account # XXXX 7. Equifax, Transunion & Equifax Inaccurate address data that I am not associated with.

Legal Violations : * 15 U.S.C. 1681 ( Fair Credit Reporting Act, Section 602 ( A ) ) : I have the right to privacy and accurate reporting.

* 15 U.S.C. 1681b ( a ) ( 2 ) ( Section 604 ( A ) ) : No consumer reporting agency may furnish an account without my written consent.

* 15 U.S.C. 1681c ( a ) ( 5 ) : No report should include any adverse information older than seven years, except for criminal convictions.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person must not furnish information to any consumer reporting agency if they know or should reasonably know the information is inaccurate.

The accounts listed above have inaccuracies that violate these statutes. I request the immediate correction or removal of these entries to ensure my credit report is accurate and in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent account that has been reported to the credit bureaus under my name. i have requied over and over for proof and nothing being done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: NV

Complaint narrative:
I am writing to address unauthorized accounts on my credit report that I believe are a result of my personal information being exposed in a national data breach. After reviewing my credit report, Ive identified several unfamiliar accounts. Ive already requested debt validation from the Credit Reporting Agencies ( CRAs ), but have not received a response.

I have submitted an FTC complaint regarding the identity theft and attached the following : Copy of my FTC complaint. 

XXXX XXXX XXXX report confirming my information was exposed. 

Debt validation letter I sent to the CRAs. 

As per the Fair Credit Reporting Act ( FCRA ), I request that these accounts be investigated and removed until proper validation is provided. I also request a credit freeze or fraud alert to prevent further issues. 

Please respond within 30 days, as required by law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: CT

Complaint narrative:
The information reported and on file does not match my records or personal information. The amount due and the monthly payments are inaccurate.

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

Complaint narrative:
The information reported and on file does not match my records or personal information. The amount due and the monthly payments are inaccurate.

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

Complaint narrative:
The information reported and on file does not match my records or personal information. The amount due and the monthly payments are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: DE

Complaint narrative:
Dear Tru Accord, I am writing to request validation of the debt you claim I owe on account number XXXX. I received a notice/notification from your company stating that I owe a debt, and I am disputing this debt until I receive proper validation. 

To validate this debt, please provide the following documents : 1. A copy of the original contract or agreement between me and the original creditor. 
2. A detailed breakdown of the charges and fees associated with the debt. 
3. Proof of payment history, including any payments made and credits applied. 
4. Verification that your company is licensed to collect debt in XXXX. 

If you are unable to provide these documents, please inform me in writing and provide the following : 1. The name and address of the original creditor. 
2. The date the debt was incurred. 
3. The amount of the debt. 

I request that you cease all collection activities until you provide the requested validation. I would appreciate it if you could respond within 30 days. 

Sincerely, 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 2025-05-05 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: NY

Complaint narrative:
I am filing this complaint as a second-round escalation regarding a formal identity theft dispute submitted through CFPB on XX/XX/XXXX against Equifax. 

In that dispute, I requested the removal of several unauthorized hard inquiries from my credit report that were made without my knowledge or consent, as part of an identity theft incident. I submitted the following supporting documents : FTC Identity Theft Report # XXXX Government-issued ID Social Security card Utility bill as proof of address Despite providing all necessary evidence and verifying my identity, Equifax has failed to respond within the 30-day window, and the fraudulent inquiries remain on my credit report.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 611, which mandates that a credit bureau must respond to a consumer dispute within 30 days.

The following unauthorized inquiries remain on file and must be removed immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This delay is causing me substantial harm, especially since I am currently in the process of applying for a mortgage to support my family. 

I respectfully request that CFPB escalate this case immediately, enforce compliance, and ensure Equifax removes these inquiries as required by law. If no resolution is received, I will consider additional legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These inquiries are on my transunion credit report as of XX/XX/XXXX. 
None of them were done or initiated by me or with my permission. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXy XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2025-05-05 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally dispute the account associated with Navy Federal CU. I have discovered that a collection agency is listing Navy FCU as the original creditor. I am requesting that you provide validation of this alleged debt and the necessary documentation as required by law. I do not recall receiving anything related to this alleged debt, nor do I recall receiving correspondence stating that said debt was sold to a third-party company. Please provide the following : Validation of the debt. The name of the collection agency to which this alleged debt was sold. The amount that the collection agency purchased the debt for. The correspondence sent to me informing me of the alleged debt and that it would be sold. I am fully aware of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and will exercise them accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern : I am filing a former complaint against XXXX, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern : I am filing a former complaint against XXXX, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX. 2 accounts booth not mine need removed auto and a deposit account which both dont belong tomeand this account violate my rights XXXX and the federal credit fair credit reporting at 15 US C 1681B I have sent in all necessary documents and ask them to remove these two accounts from XXXXXXXX XXXX XXXX  which Ive never been removed and I think the investigation has not been properly done. I have not heard anything back. It has been over 30 days. They have not been responding and I would like these accounts re-investigated and removed they do not belong to me. They are inaccurate invalid unverifiable.

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

Complaint narrative:
I am sending to formally dispute certain information reported on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct the following items, as I believe they are either inaccurate, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX XXXX XXXX XX/XX/year> Re : DEMAND FOR DEBT VALIDATION Pursuant to FDCPA & Regulation F To Whom It May Concern : This letter is a formal demand for immediate validation of the alleged debt your company claims I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and Regulation F ( 12 CFR Part 1006 ) as issued by the Consumer Financial Protection Bureau ( CFPB ). You are now officially on notice. 

YOU ARE REQUIRED TO PROVIDE THE FOLLOWING : The name and address of the original creditor. 

A full and itemized breakdown of the alleged debt amount. 

A copy of the original signed contract or agreement bearing my signature. 

Proof that you are currently licensed and legally authorized to collect debt in the state of Arkansas. 

Full disclosure of how you obtained this alleged debt from the original creditor, including the chain of assignment or purchase agreement. 

A statement that the XXXX of Limitations on this alleged debt has not expired. 

Verification that all amounts, fees, and interest are lawful and accurate. 

In addition, per Regulation F, 12 CFR 1006.34, you must provide : A detailed validation notice including the name of the creditor, amount owed, and itemization date A disclosure of consumer rights, including how to dispute the debt A tear-off dispute form or equivalent Confirmation that no collection activities will proceed until this debt is fully validated IF YOU CAN NOT FULLY VALIDATE : You are required to : Immediately cease all collection efforts Delete this debt from all credit reporting agencies ( Experian, Equifax, and TransUnion ) Stop all communication regarding this account BE ADVISED : Continuing to pursue this debt without proper and complete validation violates : 15 U.S.C. 1692g Validation of debts 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692c Improper communication practices 12 CFR 1006 Regulation F : Debt Collection Rule Violations are subject to statutory damages of up to {$1000.00} per violation, plus attorney fees and additional damages. I have legal counsel on retainer, and they are prepared to initiate legal proceedings without delay. 

Additionally, if you fail to comply with this request, I will file formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Better Business Bureau XXXX BBB XXXX Arkansas Attorney XXXX XXXX You have XXXX ( XXXX ) days from the receipt of this letter to fully respond with all documentation and disclosures listed above. If you fail to do so, I will consider your claim invalid and report your continued efforts as willful violations of federal law. 

All future communication must be in writing only. Do not attempt to contact me by phone or any other means. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I have previously communicated with Equifax Credit Information Services LLC by letter, phone and online. This is affecting my ability to maintain my identity correct and obtain credit.I would like to request that my social Security number and name be charged.

Company response to consumer: Closed with explanation