vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas. XXXX. 
Equifax RE : XXXX  Block Request To whom this may concern : I am a victim of XXXX. The information listed below, which appears on my credit report. Now in result to the XXXX  these accounts need to block. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within the next four ( 4 ) business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Please send me the notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX is : Proof of identity XXXX  documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, XXXX, formerly Bayview Mortgage, responded to a CFPB complaint. I have attached their responses, which explain that I transferred interest in the property to XXXX XXXX and was " released from any obligation and liability under the original mortgage loan. '' Therefore, I was not required to sign the new loan terms with my ex-husband. However, my name was still listed in the document, someone wrote N/A on my signature line, and the loan still reports to my credit. I am not liable and am not on the deed. XXXX also states that they escalated the request to the current servicer, XXXX  XXXX XXXX, to have me released of liability, but XXXX  XXXX XXXX has no such request. After speaking with XXXX  XXXX XXXX, they stated they need a Transfer of Service correction, removing me from this loan, proof XXXX XXXX assumed this loan, faxed to XXXX, and to their assumptions department at fax XXXX. I also request a copy of the official documentation proving that XXXX XXXX assumed responsibility for this loan in XXXX of XXXX. This was a terrible error during Bayview 's transfer of service. Although they are pointing the finger at the current servicer, XXXX  XXXX XXXX, after research, it was improperly completed by Bayview. I request that the service correction transfer be sent to XXXX  XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), including XXXX XXXX Code XXXX, I am formally requesting the removal and permanent blockage of all accounts resulting from identity theft. These accounts were previously deleted but have been reinserted without proper notice or verification, which is a violation of XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( B ). Furthermore, under XXXX XXXX XXXX XXXX, I have the right to request the complete file, including the original signed contract, which has not been provided. 

As outlined in XXXX XXXX Code XXXX ( a ), any consumer reporting agency must block the reporting of information that results from an alleged identity theft within XXXX business days of receiving : Proof of identity ; A copy of an identity theft report ; Identification of the information to be blocked ; and A statement from the consumer that the information is not related to any transaction initiated by them. 

Failure to comply with these statutory obligations may result in enforcement actions, civil liability, and further legal consequences. I am exercising my rights under federal law to demand the immediate removal, permanent blockage, and cessation of all reinsertion of unverified and fraudulent accounts from my credit file. 

I submitted a dispute to Experian  and Equifax Credit Reporting Agencies. 

Equifax Credit Reporting Agency responded within XXXX minutes, stating the investigation was complete. No changes were made to my credit file. ( see attachments ) These accounts are not being properly investigated. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) requires credit reporting agencies ( CRAs ) to conduct a reasonable reinvestigation of any disputed information. 

Completing an " investigation '' in XXXX minutes strongly suggests no meaningful review occurred. 

They are also required to : Contact the furnisher of the information. 

Review all relevant documentation you provide. 

Complete the investigation within XXXX days, not XXXX minutes. 


XXXX XXXX. XXXX and demanded a reasonable investigation. 

I requested the original signed contract used to open the account they did not provide it, they must delete the disputed accounts.

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 2025-05-15 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: PA

Complaint narrative:
Please remove inaccurate information caused by TD BANK EMPLOYEE ie Late payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX, I called Huntington Bank to request a copy of the investigation results and documentation showing why they denied my dispute of unauthorized XXXX XXXX charges. They refused to provide any evidence or explain how they determined the charges were valid. Ive asked multiple times, and they keep telling me the charges are correct because they show my name, even though I did not authorize them. I believe this violates my rights under the Electronic Funds Transfer Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request validation of the debt collection account reported on my credit report under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe this debt may be inaccurate, and I am Invoking my rights under federal law to verify the accuracy and legitimacy of this information.

Under Section 809 ( b ) of the FDCPA. I am entitled to request validation of any debt a collector attempts to collect, including requiring the original creditor to provide a full accounting of the debt. Additionally, as per the FCRA, Section 611 ( a ), credit reporting agencies are obligated to verify and substantiate information they report. ensuring it is accurate, complete, and fair.

Please provide the following : 1. Verification of the debt, including the name of the original creditor. amount owed, and any associated contract or agreement proving my obligation to pay.

2. 
3.

A comprehensive itemization of how the debt amount was calculated.

Copies of any documents that show l agreed to pay the creditor for this debt.

4. Evidence that you have investigated this account as mandated by the FCRA and FDCPA, including any records of communications with the debt collector.

In the event that you can not validate this debt with the requested information, I respectfully request that the collection account be removed from my credit report as per Section 611 ( a ) of the FCRA.

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 2025-05-15 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
On XX/XX/year>, I received a package via USPS from Klima, Peters, Daly attempting to collect a debt using false service information and a fabricated warrant of debt. No case was filed before or after my receipt of these documents, and as of today, XX/XX/year>, no filing exists. 

Their communication is intentionally misleading, designed to create the impression of formal litigation where none exists. This constitutes retaliatory behavior following my dispute of the initial alleged debt ( separate case ). They have now filed a lawsuit against me without providing proper notice. 

After sending a certified countersuit, I returned home from court on XX/XX/XXXX to find this intimidating, misleading, and fraudulent document. These actions represent unethical business practices, are illegal, and violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX somebody opened two unsecured loans under my name. The name of the company is XXXX XXXX  XXXX The total amount for both loans was XXXX dollars. I called the company and I told them that I never opened these two unsecured loans with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2025, I received a package via XXXX from XXXX, XXXX, XXXX attempting to collect a debt using false service information and a fabricated warrant of debt. No case was filed before or after my receipt of these documents, and as of today, XX/XX/2025, no filing exists. 

Their communication is intentionally misleading, designed to create the impression of formal litigation where none exists. This constitutes retaliatory behavior following my dispute of the initial alleged debt ( separate case ). They have now filed a lawsuit against me without providing proper notice. 

After sending a certified countersuit, I returned home from court on XX/XX/XXXX to find this intimidating, misleading, and fraudulent document. These actions represent unethical business practices, are illegal, and violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
This account violates Metro 2 by reporting both a charge off status and past due balance. Please remove this account in according with FCRA and Metro 2 guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  List of Unauthorized Inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received an alert from my credit report that some accounts were open without my consent or knowledge. The accounts were from citibank and XXXX XXXX. Apparently someone opened a credit card from best buy and home depot and purchased things. I also received information that whoever did an application for a target credit card but this was denied. I contacted all companies and told them this was not me. They closed the accounts and cancelled the cards, in addition a dispute was initiated. 

I also contacted all 3 credit companies. My credit information is locked at this time and an fraud alert initiated.

I continue to get emails from best buy about follow ups and feedback. I also received the cards on my mail. I cut the cards. 

I want to make sure someone knows my full identity is being used by someone else.

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 2025-05-15 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-15 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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