vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I observed some inaccuracies on my credit report and reached out to the credit bureau to investigate. However, I don't agree with the account listed below which still appears in my credit report even after their investigation. 

XXXX Bank XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank XXXX XXXX ) - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX  and XXXX XXXX - Account 1 - # XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  - Account 2 - # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-03 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: FL

Complaint narrative:
I am a victim of identity theft. I discovered unauthorized hard inquiries on my credit files with Experian and TransUnion that I did not initiate or authorize. Experian : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries are fraudulent. Please removethem from my reports pursuant to the Fair Credit Reporting Act and confirm in writing once deleted.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: MN

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It has come to my attention that my information was exposed in a national data breach. I reviewed my credit profile and saw some accounts that i didn't recognize. I ask the CRA 'S to validate the debt belongs to me and haven't received anything as of yet. I have submitted a FTC complaint due to my information being exposed in the national data breach. 

Please see attachments of : ID, XXXX, FTC Complaint, XXXX XXXX breach showing information was exposed.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has come to my attention that my information was exposed in a national data breach. I reviewed my credit profile and saw some accounts that i didn't recognize. I ask the CRA 'S to validate the debt belongs to me and haven't received anything as of yet. I have submitted a FTC complaint due to my information being exposed in the national data breach. 

Please see attachments of : ID, XXXX, FTC Complaint, XXXX XXXX breach showing information was exposed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
Im seeking your assistance to closely examine accounts from certain companies that are inaccurately reporting me as late. After reviewing my credit report, I found that these accounts have erroneous late payment notations, which should not exist. Please remove those remarks and adjust the account to reflect the accurately agreed positive status. Additionally, one account is incorrectly labeled delinquentit needs to be disputed and updated to show XXXX late payments.

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 2025-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BMO Alto abruptly closed my account, citing an alleged fraud restriction, and then demanded that I provide personal information and documents in order to release my own funds. I complied with their requests immediately, yet despite repeated follow-ups, months have passed without resolution. My balance of {$2000.00} remains withheld, and I have not been provided with a clear explanation, timeframe, or any transparency regarding the status of my money. Whenever I call they tell me there is nothing they could do and that its no longer in their hands. One would say the state has my funds the other would say your bank needs to send a hold harmless letter then it will be sent to the account it was sent from in the first place then make a dispute with your bank to get it back. each one did not work I have contacted BMO Alto multiple times through their customer service channels, and even my own bank reached out to them in an effort to retrieve the funds on my behalf. Despite this, BMO Alto has failed to provide updates, a timeline, or any substantive communication. This prolonged delay has caused me financial stress and hardship, and I view it as an unlawful withholding of my money. As a customer, I entrusted BMO Alto to safeguard my deposits. Instead, they unilaterally closed my account, labeled it under fraud restriction without justification, and left me without access to my rightful funds. This conduct amounts to negligence, breach of trust, and financial harm. I am requesting immediate release of my {$2000.00} balance, reimbursement for the undue delay and hardship caused, and accountability for BMO Altos failure to act in good faith. If this matter is not resolved promptly, I will be forced to pursue all legal remedies available. Date I transferred funds from my XXXX savings account to Bmo alto : XX/XX/year> Date of funds bmo alto claimed they transferred/closed my account : XX/XX/year> Date of when XXXX asked for my information to verify my account AGAIN : XX/XX/year> Date of Hold Harmless letter sent from XXXX to BMO alto to retrieve my funds : XX/XX/year> BMO Alto has falsely stated multiple times that they did not receive the required documents, despite my providing clear proof of submission. I have evidence confirming that each document was successfully delivered, yet the bank continues to deny receipt. This misrepresentation has delayed the resolution of my case and has prevented me from accessing my rightful funds. This is against 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 explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX SSN : XXXX XXXX XXXXXXXX XXXX : XX/XX/year> To : National Credit Systems , Inc . 
XXXX XXXXXXXX XXXX XXXX, GA XXXX Date : XXXX RE : Formal Request for Validation of Debt / Account # [ Insert Account # ] NOTICE OF DISPUTE AND DEMAND FOR VALIDATION This letter is in response to your continued reporting and collection efforts regarding the alleged debt with XXXX XXXX XXXX XXXX Pursuant to my rights under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681i & 1681s-2 of the Fair Credit Reporting Act ( FCRA ), I am formally disputing this debt and demanding full validation.

Please be advised that the documentation you previously submitted does not constitute proper validation under federal law. A mere copy of a bill or statement from the original creditor is insufficient. 

REQUIRED DOCUMENTATION You are hereby required to provide : A copy of the original signed lease agreement binding me to this alleged debt. 

An itemized breakdown of all charges assessed ( rent, damages, fees, etc. ), including dates, amounts, and how each figure was calculated. 

Proof of ownership or legal right to collect this alleged debt, including a copy of the assignment or transfer agreement between XXXX XXXX XXXX and National Credit Systems , Inc . 

The name, title, and contact information of the individual at XXXX XXXX who verified this account and affirmed its accuracy. 

A complete payment history, including all debits, credits, and charges applied. 

Verification of reporting : proof of how this debt is being reported to each CRA ( XXXX XXXX XXXX ). 

LEGAL NOTICE Until such time that you provide the above-listed documentation : You must cease all collection efforts, including calls, letters, and reporting of this account. 

Any continued reporting of unverifiable or inaccurate information to the credit bureaus constitutes a violation of FCRA 1681s-2 ( b ).

Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office, and I will consider legal action for damages under 15 U.S.C. 1692k.

RESPONSE REQUIRED You have 30 days from receipt of this letter to respond with the requested documentation. If you fail to comply, you are required to immediately delete this account from all consumer reporting agencies.

This letter is being sent to you via Certified Mail, Return Receipt Requested to establish a legal record of your receipt and compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am filing this complaint against Hunter Warfield Inc regarding the account they have reported against me. This account is being reported as a collection and is negatively affecting my credit file. I have already disputed this account with the credit bureaus, yet it continues to remain without proper validation or compliance.

Hunter Warfield has failed to provide me with any proof that I agreed for my personal information to be transferred, shared, or sold to them, nor have they produced any original contract or wet ink signature linking me to this alleged account. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), they are required to provide verifiable evidence of the debt, including validation that they are legally entitled to collect or report this account. 

Continuing to report this account without providing the required documentation is a direct violation of the FCRA, FDCPA, and my consumer rights. This account is damaging my creditworthiness and preventing me from moving forward financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : Request for Removal of Inaccurate Personal Information Pursuant to FCRA Dear Experian, I am writing to dispute and request the removal of all inaccurate or outdated personal information from my credit file, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

The only correct and verifiable information that should appear on my credit report is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX Any other names, aliases, or addresses listed on my file are inaccurate, outdated, and not associated with my identity. Please delete them immediately. 

Enclosed are copies of my identification documents for verification. Please investigate this matter and provide written confirmation of the corrections within 30 days as mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Enclosures : Government ID, SSN card, Proof of Address

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 2025-09-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I dispute the accuracy of the following accounts : - XXXX XXXX XXXX XXXX Acct # XXXX : Marked Closed by credit grantor.This should not report derogatory if {$0.00}. 
- XXXX XXXX Acct # XXXX : Conflicting status Payment after charge off/collection. Please verify or delete. 
- XXXX XXXX XXXX Acct # XXXX : Listed Included in Bankruptcy XXXX XXXX  Please ensure {$0.00} balance reporting. 
XXXX XXXX Acct # XXXX : Conflicts with Paid profit and loss and Transferred/Sold. Please correct or remove. 
XXXX XXXX XXXX XXXX Acct # XXXX : Discharged in bankruptcy, must show {$0.00} balance. 
- XXXX XXXX XXXX Acct # XXXX : Duplicates original creditor reporting ; also marked both loss and bankruptcy. Please correct or delete duplicate. 
- XXXX XXXXXXXX XXXX  : Must be verified directly with the court or deleted.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Equifax regarding the inaccurate reporting of a derogatory remark on my student loan account. My credit report is currently showing late payment notations ; however, this reporting is inaccurate because the payment history reflects that my payments were made on time. 

Despite my dispute and the supporting documentation provided, Equifax continues to report this account with a late payment notation, which is false and damaging to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I requested a personal loan from light stream loan company for {$3000.00}. They approved me for {$350.00}. They said my credit was too low for a large loan. They sent the money to my account and then said I would have to send them back the {$350.00} on an XXXX prepaid card. After that they would approve me for {$3000.00}. I never signed any loan documents and I asked them why they couldnt take monthly payments out of my account like normal. He gave me excuses. It just seemed like a scam. My bank account is locked and the fraud department is looking into it. He keeps calling me to tell me that Im going to jail. I never signed anything and asked him to just pull it from my account. He refused to do so.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed inaccurate items with TransUnion, but they failed to verify or correct them. 

XXXX XXXX XXXXXXXX accounts : reported as unrated or bankruptcy. this is inaccurate. No documentation was provided XXXX ( XXXX ) : reported as bankruptcy/unrated. No documentation was provided. 

XXXX ( XXXX XXXX ) : reported as bankruptcy/unrated. This is incorrect and unverifiable. No documentation was provided Under FCRA 607 ( b ) and 611 ( a ) ( 7 ), TransUnion must provide the method of verification and delete any unverifiable information. I request CFPB help to remove these inaccurate entries.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Bank is not letting me access my online account or receive any money even though a check has been approved and deposited very frustrating I'm a business owner of XXXX XXXX  and I told him I was expecting checks to be sent to my checking and saving I have my card ending in 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