vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc.
State: GA

Complaint narrative:
This company has called me so many times requesting payment. But, they had no information about what I was being billed for. Where the bill came from. Three people told me three different things. One man said you have to pay {$16000.00}. I asked for what service. He said he did not know. The next one was a man also saying YOU HAVE TO SEND THE MONEY NOW. I do not know what is for. Both of these men had very strong XXXX XXXX accents. The next was a woman saying YOU HAVE TO PAY now. I told her I didn't have to do anything. She had an XXXX  accent. it was clear all of these people are in other countries. Today I received a statement stating. As of XX/XX/year>, you owed {$3500.00} to XXXX XXXX XXXX account number XXXX. All of these people had this information. My insurance has paid {$3400.00}. I owe {$110.00}. my advice is to hire people who can speak XXXX. Teach them to give the proper information to the person they are speaking. It is against the law to call a person about any bill unless you have provided a paper statement. I'm sending the payment to pay this bill. The customer service is horrible. So sad they can not have people that speak ENGLISH. Im disgusted with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/year>XXXX  Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year>

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 2025-03-02 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: PR

Complaint narrative:
I am contacting you to dispute fraudulent items on my credit report, which I believe result from identity theft. Pursuant to 15 U.S.C. XXXX, I am requesting that these inaccuracies be promptly blocked. 

Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. XXXX, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within XXXX business days. The following entries on my credit report are associated with this identity theft and must be blocked immediately : Fraudulent Accounts to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am writing to formally notify you that I have fallen victim to identity theft. I have reached out to the Federal Trade Commission ( FTC ) and have lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent accounts that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency via fax and Certified Mail. 

Additionally, I request the immediate removal of the following fraudulent accounts and inquiries from my credit report : I appreciate your prompt attention to this matter. Please confirm in writing once these fraudulent items have been removed from my credit file.

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 2025-03-02 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: CA

Complaint narrative:
PLEASE REMOVE INQUIRES I did not authorize the inquires listed below XXXX XXXX XXXX XXXX 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 2025-03-02 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:
To Whom It May Concern at the CFPB, This is my third/fourth attempt to have the following fraudulent accounts removed from my credit report. Experian and Equifax continue to auto-verify these accounts without proper investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ). I have now obtained a notarized identity theft affidavit and am demanding full compliance with federal law.

Fraudulent Accounts to Be Deleted Immediately : XXXX Account # : XXXX ( Experian, Equifax ) XXXX XXXX XXXX Account # : XXXX ( Equifax ) Legal Violations by Experian & Equifax : Experian and Equifax are violating the FCRA 1681c-2, which requires credit bureaus to block fraudulent accounts immediately upon receiving a valid identity theft report. 

Additionally, under FCRA 1681i, they are required to conduct a proper reinvestigation, which they have failed to do by relying on automated verification processes instead of contacting the actual creditors.

Fair Resolution to This Issue : I am demanding the following : Immediate and Permanent Deletion of the fraudulent accounts listed above. 
Written Confirmation from Experian and Equifax that these accounts have been removed.

Compliance with the FCRA, ensuring that all future identity theft disputes are properly investigated and resolved as required by law. 
A Formal Statement from Experian and Equifax explaining why these accounts were not removed in the first dispute, despite sufficient evidence of fraud.

Failure to comply will result in further legal action, including potential claims under FCRA 1681n, which allows for damages of up to {$1000.00} per violation, plus punitive damages and attorney fees.

I expect Experian and Equifax to resolve this matter within 15 days and provide written confirmation of the deletions.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request an update to my personal information as reported in my credit file. Upon reviewing my credit report, I have identified inaccurate or outdated information that needs to be corrected. As per my rights under the FCRA, I request that you investigate this matter and make the necessary corrections within 30 days.

Below are the details of the incorrect or outdated information : 1. Incorrect Name : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as XXXX XXXX and XXXX XXXX. Under the FCRA, inaccurate information must be corrected promptly. I request that my name be updated to reflect my legal identity. 
2. Incorrect Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX. However, my credit report contains incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Since outdated addresses can cause identity verification issues and increase the risk of fraud, I formally request that they be removed and that my current address be updated accordingly. 
Enclosed Supporting Documentation : A copy of my driver 's license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
Legal Basis and Request for Confirmation : Under FCRA 15 U.S.C. 1681i, TransUnion is required to investigate and correct inaccurate information within 30 days of receiving this dispute. Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes.

If this matter is not resolved within the legally mandated timeframe, I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation.

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 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I called Bank of America twice and visited a branch office as well because my debit card is not allowing any type of purchase. It only allows withdrawals from Bank of America ATMs. They insisted that my card is fine and they refuse to issue a new card. They also wont allow me to request a new card in the Bank of America App. This is causing major problems. They are acting very shady and deceptive with me all while holding my money hostage.

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 2025-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have been receiving countless letters regarding this account, even though I have no association with it. Shows the account was opened in XX/XX/year> from XXXX XXXX. However, I did not have XXXX account until XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Acct ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-03-03 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: NM

Complaint narrative:
I have fixed mortgage rate of XXXX FHA loan. Each year my mortgage payment has increased. I got this loan in XXXX of XXXX. My loan number is XXXX. When I originally got this loan my payment in XXXX was {$880.00}, in XXXX it went down to {$880.00}, in XXXX it went up to {$890.00}, in XXXX it went up to {$920.00}, now XXXX its increasing to {$1000.00}. 

While each year my payment is increasing my escrow has a shortage. Ever since I bought my house it has increased by {$110.00}. This year I have a shortage amount of {$2000.00}. 

I ask for a brief explanation of what exactly is causing my escrow fluctuation. I do understand this has to do with taxes and insurance however, I have my own mortgage insurance with Foremost, which it doesnt make sense taxes being that high please send me a detailed letter of what information you received to determine my escrow shortage and amount.

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 2025-03-02 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: TX

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c- 2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Acct 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
Consumer complaint received 2025-03-02 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Acct 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 non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
Commneity bank card was opened XX/XX/year>. The company charged the card off. According to 15 USC 6802 this must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Credit Reporting Agencies for Noncompliance with Identity Theft Laws Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the failure of the credit reporting agencies and data furnishers to remove fraudulent accounts from my credit report and update my personal information as required under federal law. 

1. Identity Theft and Fraudulent Accounts I am a victim of identity theft, which has led to the unauthorized opening of accounts in my name. Despite multiple requests to block and remove these fraudulent accounts, the credit reporting agencies have failed to take the necessary actions. Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile, further supporting my claim of identity theft. 

2. Failure to Update Personal Information Despite my repeated requests, my personal information remains outdated and incorrect. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ). The following information requires immediate correction : Legal Name : My credit report should only display " XXXX XXXX. '' Address Update : The only valid address to remain on file is XXXX XXXX XXXX, XXXX, MI XXXX. All other addresses must be removed as I no longer reside at or have access to them. 

Phone Numbers : Remove all phone numbers currently listed on my report. 

Social Security Number & Date of Birth : My Social Security number and date of birth should not be displayed on my credit report for privacy reasons. 

Employer Information : Delete all employer information listed on my report. 

XXXX. Data Breach Impact and Negligence My personal information was compromised in several major data breaches, including : Equifax breach ( XXXX ) XXXX XXXX Social Security numbers, DOBs, and addresses exposed. 

XXXX breach ( XXXX ) XXXX XXXX records leaked, including passport numbers. 

Experian breach ( XXXX ) Millions of Social Security numbers and credit histories exposed. 

Due to these breaches, my identity was stolen, and fraudulent accounts were opened in my name. The credit bureaus failed to take proper action despite repeated fraud alerts and disputes. 

4. Legal Violations The credit reporting agencies and data furnishers have violated multiple provisions of the FCRA and other federal statutes, including : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard personal data.

15 U.S.C. 1681s-2 Failure to ensure accuracy in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$25.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$260.00} XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$850.00} Balance updated XXXX/XXXXXXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$260.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$510.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated 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