vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: IL

Complaint narrative:
So a collection account from a company listed called XXXX is reporting an alleged account as charge off on my credit report that I have no knowledge of, I have asked them to investigate this inaccurate information, and every time I request for proof that this alleged account is mine, they never provide me with any information, I have know decided to take it a step further.Reporting alleged inaccurate can not legal.

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 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is reporting a collection account that I never authorized, opened, or agreed to. I have not been presented with a copy of any original signed agreement proving I am legally obligated for this debt. 

Under FCRA Section 623 and FDCPA Section 809 ( b ), furnishers of information must fully verify a debt before reporting it to the credit bureaus. Providing internal records, account numbers, or balance data does not constitute legal validation. 

Midland Credit Management has not provided any contract or legally binding documentation bearing my signature. Reporting a tradeline without legal validation is a violation of federal consumer protection laws. 

I am requesting full deletion of this tradeline from all credit bureaus unless Midland Credit Management can furnish an original signed agreement showing I am contractually responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
I have requested the removal of inaccurate and outdated personal information from my credit file furnished by Equifax, Transunion and Experian under my rights in the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681b, 15 U.S.C. 1681i, and 15 U.S.C. 1681c. I would like to update and remove the following incorrect information : * 1 Names : Remove any misspellings, aliases, or incorrect variations of my name. 

XXXX Addresses : Delete any old, outdated, or incorrect addresses that are not my current legal residence. 

XXXX Employers : Remove all past employers, as they are not required to be reported on 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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account has been charged off and I have not received a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
XXXXI am an identity theft victim. Despite providing conclusive evidence, Experian refuses to block fraudulent accounts, violating the FCRA:  XXXX1. Evidence Submitted (Multiple Times via Certified Mail): XXXX XXXX Notarized FTC Identity Theft Report XXXX   - Creditor confirmations: XXXX XXXX XXXX XXXX XXXX  verified the accounts are fraudulent.  XXXX XXXX XXXX  corrected report (same accounts deleted after identical evidence). XXXX  Certified Mail Disputes Ignored:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delivered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations: XXXX   - FCRA  605B: Failed to block fraudulent accounts within 4 days of FTC report. XXXX   - FCRA  611: Refused to investigate creditor confirmations. XXXX Harm Caused:  XXXX    - Damaged credit score (denied loan applications). XXXX XXXX XXXX hours wasted disputing.  XXXX. Demand Immediate Action: XXXX   - Delete all fraudulent accounts. XXXX XXXX Provide 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 2025-05-03 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX  XXXX DOE XXXX XXXX DOE XXXX XXXX DOE XXXX XXXX DOE XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX  XXXX DOE XXXX XXXX DOE XXXX XXXX DOE XXXX XXXX DOE XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL 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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXXT inquiry Date : XX/XX/XXXX, XXXX XXXX A PART OF XXXX  inquiry Date : XX/XX/XXXX, XXXX XXXX  Inquiry Date : XX/XX/XXXX, XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX  Inquiry  XXXX, XXXX  FINANCIAL XXXX XXXX XXXX : XX/XX/XXXX, XXXX  FINANCIAL XXXX XXXX XXXX : XX/XX/XXXX & XXXX XXXX Inquiry Date : 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to you because I recently checked my credit report and noticed a few discrepancies. I feel that these accounts are adversely affecting my credit report and am requesting you to investigate these items to ensure accuracy. I have listed the items as followed below. 

Charge offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts are reporting a balance. It is my understanding that the debts were charged off and memorialized with a form 1099 C as proof of evidence thereof. As a result, the debts are cancelled and should reflect accordingly on my consumer file. This would indicate inaccurate reporting on your behalf and is a violation of the FCRA. By provision of 15 US section 1681i ( 6 ) ( A ) 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 non-monetary relief
Consumer complaint received 2025-05-03 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: MI

Complaint narrative:
I am a victim of identity them and my information has been in multiple data breaches This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 multiple credit card collections inquiries and closed accounts listed in the identity theft report I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 
Credit card accounts XXXX XXXX opened XX/XX/XXXX acct # XXXX, XXXX XXXX XXXX  XX/XX/XXXX acct # XXXX, XXXX XX/XX/XXXX acct # XXXX, XXXX XX/XX/XXXX acct # XXXX, Closed Accounts from XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX acct XXXX and inquiries from XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX All of the 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 & XXXX as proof from the USFederal Trade Commission that all of the mentioned 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 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I did not apply for credit with this company, nor did I authorize any inquiry into my credit file. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which states that credit inquiries must have a permissible purpose and must be authorized by the consumer. I did not initiate any application for credit or give permission for this inquiry to be made. According to the Fair Credit Reporting Act ( FCRA ), only authorized users or entities with a legitimate and permissible purpose may access my credit report. 
Please consider this letter a formal request to : Investigate this unauthorized inquiry. 

Remove the inquiry from my credit report if it is found to be fraudulent. 

Provide written confirmation of the results of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a dispute to Transunion regarding inaccurate or unverifiable accounts on my credit report. After the dispute, Transunion marked the accounts as " verified '' without providing any supporting documentation or explanation. On XX/XX/year>, I sent a formal Method of Verification ( MOV ) request under the Fair Credit Reporting act ( 15 U.S.C. 1681i ( a ) ( 6 ) ( iii ) requesting details on how the accounts were verified, including the name and contact information of the entity that verified the data. Transunion received my request on XX/XX/year>, and as of today 's date XX/XX/year>, they have failed to respond. This violates the FCRA, which requires them to disclose the method of verification upon request. I am now filing this complaint due to their failure to comply with federal law and to provide the information I am legally entitled to.

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 2025-05-03 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I do not recognize this inquiry in my credit report. TD AUTO FIN XXXX XXXX, 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Formal Dispute of Federal Student Loans Request for Immediate Removal Due to Abolishment of U.S. Department of Education To Whom XXXX XXXX Concern, I am writing to formally dispute the following federal student loan accounts listed on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. 

Accounts in Dispute : Creditor : DEPTEDXXXX XXXX XXXX XXXX U.S. Dept of Education ) Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$6800.00} Creditor : DEPTEDXXXX Account # XXXX Open Date : XX/XX/XXXX Reported Balance : {$6600.00} Creditor : DEPTEDXXXX  Account # XXXX Open Date : XX/XX/XXXX Reported Balance : {$4600.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$7000.00} Creditor : DEPTEDXXXXXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$3600.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$5600.00} Creditor : DEPTEDXXXX  Account # XXXX Open Date : XX/XX/XXXX Reported Balance : {$7300.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$4600.00} Reason for Dispute : Abolishment of the U.S. Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. 

Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. 

No Valid Current Creditor XXXX  services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt. 

Sincerely, XXXX XXXX Sincerely, 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 2025-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I opened two accounts online with M & T Bank. The checking account in particular was opened XX/XX/XXXX. The account was opened, i received email confirmation, and I was able to access online banking. I mobile deposited a check for {$12.00} into the newly opened account. I also changed an allotment through my employer to have money be deposited into this new account. Days went by and I received a call on XX/XX/XXXX from the M & T Bank located on XXXX XXXX XXXX XXXX XXXX XXXX The worker, XXXX called me and proceeded to tell me that my account was being closed. I asked her why this was happening ; this is the first time I heard anything regarding my account since the day it was opened. She did not originally have an answer for me. She was not old why from M & T Customer Service originally.. but she would get that answer for me and call back. About 20 mins or so go by and I received my call back. I was told the account was being closed because I owe money at a previous institution. The account was allowed the be funded and stayed open for 10 days. My direct deposit was scheduled to hit the account on XX/XX/XXXX. My husband and I went together to the branch ( as instructed ). Nothing was done. I want to avoid the stress of being late on bills because I would not have access to my funds. They were not willing to cooperate. I was getting frustrated. My emotions were high - I was elevated. XXXX proceeded to tell me if I did not calm down she would call the police on me. Never did I threaten her or any of the staff.. I was upset and I just wanted a solution. I came to that branch 30 mins before closing and nothing was resolved. Fast forward to today XX/XX/XXXX I have received the money that was in the account but the check they said was being cut for my direct deposit has still not arrived. I have called another branch on XXXX XXXX XXXX XXXX to get assistance on XX/XX/XXXX at XXXX, I have called Customer Service on XX/XX/XXXX and XX/XX/XXXX .. the employees hung up the phone in my face. I have reached out to my employer. HR says nothing was returned. At this point, I feel that I am being given the run around. I just wanted my money. Now, I received a certified mail saying I am not allowed to contact M & T in any capacity. How am I supposed to receive my money? I am being called abusive. I did not abuse anyone. I am a frustrated individual who just wants the money I worked for. I feel like I am being discriminated against and this entire situation has been affecting my mental health.

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