vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-05-12 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:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-12 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-12 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: NC

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I never took out a student loan XXXX XXXX of XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-12 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: T.S. Holdings
State: AZ

Complaint narrative:
A collection account from XXXX XXXX XXXX for {$10000.00} is being reported on my credit reports. I have disputed this account multiple times and have not received proper validation. I do not recognize this debt, and it may be the result of identity theft or a reporting error. Despite my efforts, this account remains on my credit file and continues to negatively affect my score. I am requesting that this account be fully investigated and removed if it can not be verified with proper documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
A letter was sent to Equifax on XX/XX/year>, XX/XX/year>, and XX/XX/year> requesting investigation into several items on my credit report that contains error. With each of these letters I have attached a copy of my drivers license and a copy of my electric bill to verify my identity. The first two requests received a letter back that they wanted me to submit a drivers license and a copy of a bill to verify my identity. This was done with the letter. The 3rd attempt resulted in a response that my idenity did not match the credit file. Equifax is engaging in unlawful delay tactics. Because they have exceeded the 30 days by over 3 months they should remove all the erroneous data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
b'Subject: Unjustified Credit Card Account Closure by Bank of America \nDear CFPB,\nI am submitting this complaint regarding the unexpected and unexplained closure of my credit card account with Bank of America, ending in XXXX.\nOn XXXX  XXXX 2025, I received a letter from the bank stating that my account was closed. However, no specific reason was providedno mention of late payments, misuse, or any violation of account terms. I had maintained the account in good standing, and this closure came without prior notice or an opportunity to respond.\nThe only notable activity around that time was my recent addition of few authorized users to my account to assist close family members in building or rebuilding their credit. This is a widely accepted and legal credit-building method. If this was considered a factor, it was never cited as a violation or cause for concern in any previous communication.\nI contacted the bank for clarification, but received no meaningful explanationonly vague references to internal policies. The closure has negatively impacted my credit report by removing a long-standing positive tradeline and lowering my score due to changes in utilization and average account age.\nI respectfully request that the CFPB:\n1. Investigate the basis for the account closure;\n2. Ensure Bank of America provides a clear and justified explanation;\n3. Assist in pursuing reinstatement of the account or an alternative resolution that mitigates the harm caused to my credit profile.\nThank you for your time and advocacy.\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\nBank of America Account Number: 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 2025-05-12 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: MD

Complaint narrative:
It appears that there are incorrect or unfamiliar name reflected in my file, and I would like to ensure that only accurate and verified information remains on my record. Please see the attached document for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint due to the extremely poor handling of my account by Truist Bank and XXXX. I opened my Truist account in XXXX  Due to an issue with XXXX where I did not receive verification prompts for certain transactions my account was flagged, accused of suspicious zelle activity, and abruptly closed by Truist. At the time of closure, there was approximately {$2000.00} in the account that I have not been able to access since. 
Now, XXXX is refusing to lift the hold on my zelle account, citing they can't lift the hold because Truist has already shut the account down, while at the same time truist is claiming they can't release my money because zelle has to lift the hold first. Meanwhile, both truist and XXXX have successfully fully verified me several times, every time I call about this actually. So I'm basically stuck in a loop where both parties are blaming each other, truist says XXXX needs to lift the hold before they can release my money and issue a check, XXXX says they can't lift the hold because truist has closed the account. This situation is absurd. I am being asked to come inside to a branch to validate an account that no longer exists, after I've been successfully verified, while both Truist and XXXX refuse to take ownership of the problem or offer a clear path to resolution. The problem is I live in XXXXXXXX XXXX  now, where there are no truist branches, so they want me to have to travel all the way out of town to go inside a branch just to request that I be sent a check from an account that's been closed going on 2 years... 
This mishandling is completely unacceptable. I followed the rules, yet Im being treated as if I did something wrong with my money caught in the middle of this mess. Truist closed my account without giving me a chance to resolve anything, and now XXXX is using that closure to avoid lifting a hold causing truist to refuse releasing my funds. 
I am demanding a full investigation and the immediate release of the {$2000.00} that rightfully belongs to me. The delay and lack of accountability are beyond frustrating. I expect this to be taken seriously and resolved without further delay.

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 monetary relief
Consumer complaint received 2025-05-12 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:
To Whom It May Concern : This letter serves as a formal dispute of the alleged debt associated with your company, which has been reported on my credit file. I demand an immediate cease of all collection activity and removal of any reference to this account from all consumer reporting agencies under my name. 

I am a documented victim of the XXXX  data breach, which exposed millions of consumers to identity theft and fraudulent account creation. Therefore, any debt allegedly incurred under my name must be presumed fraudulent unless you can provide indisputable proof otherwise. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 and 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my rights to : Block and permanently delete all accounts that are the result of identity theft, including the one in question. 

Demand that you : Immediately cease all communication and collection activity. 

Provide full debt validation, including copies of any signed agreements and full account histories. 

Furnish documentation that proves you have legal right to collect on this account. 

You are also advised that reporting unverifiable, inaccurate, or fraudulent debt to the credit bureaus is a serious violation of both the FCRA and FDCPA and will be met with legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 

Attached are copies of documentation related to my identity theft report ( FTC Identity Theft Report and/or police report, if available ). You are required by law to honor this notice and remove any and all data related to this fraudulent account from your systems and from any consumer reporting agency to which you have reported. 

Failure to comply will result in immediate legal action. 
No further contact is authorized except written confirmation of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MD

Complaint narrative:
I recently discovered that my personal information was exposed in a XXXX XXXX XXXX Upon reviewing my credit reports, I found accounts I do not recognize. I requested debt validation from the CRAs, but have not received a response. As a result, I filed an FTC complaint regarding the unfamiliar accounts. 

Attached are copies of my ID, the FTC complaint, the XXXX report confirming the data breach, and my debt validation request.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by XXXX CHR XXXX ( D ( XXXX ), yet they have proceeded to place : accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. XXXX. I have not been afforded the opportunity to dispute the account in accordance with XXXX CER XXXX ( c ) ( XXXX ) ( XXXX ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. XXXX has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXXFurthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under XXXX CER XXXX ( d ) and XXXX XXXX XXXX XXXX ( XXXX ) ( A ). XXXX  is flagrantly disregarding consumer protection statutes. I did not receive any notice from the accounts on my consumer report providing me the opportunity to dispute the validity of this debt within XXXX  days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the XXXX  breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that XXXX  remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I previously filed complaint XXXX XXXXXXXX regarding Fair Collections & Outsourcing ( FCO ), but the companys response failed to address key issues related to the alleged debt and their reporting of it. 

I was a participant in the XXXX XXXX XXXXXXXX XXXX, a government-funded initiative that paid my rent directly to the property on my behalf. The program was suddenly shut down in XXXX due to lack of funding, leaving tenants like myself without support midway through a lease. 

FCO is attempting to collect and report a debt related to that lease but has : Failed to provide legal documentation proving they have the right to collect this debt, such as an assignment from the original creditor ( XXXX XXXX XXXX 
Sent documents that do not verify their authority, such as a copy of the lease, deposit breakdown, and rent ledger none of which prove ownership or collection rights. 
Did not acknowledge or mention the XXXX XXXX XXXX XXXX  or any of the rental payments the government made on my behalf in their response or credit reporting, which distorts the balance and context of the debt. 
Admitted in previous email correspondence that they could not prove they were authorized to collect, then responded to my cease and desist on XX/XX/XXXX by ceasing communication but failed to confirm any action regarding the tradeline or credit reporting. 
Continued reporting the debt to at least one credit bureau despite no proof of ownership or ongoing collection activity, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-05-12 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-05-12 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: TX

Complaint narrative:
This serves as a formal demand for validation regarding unauthorized accounts and inquiries that appear on my credit file. I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which grants me the right to dispute inaccurate or unverifiable information on my credit report.

Despite previous attempts to resolve this matter, I have not received any documentation or validation proving that I authorized the referenced accounts or inquiries. As a consumer, I am entitled under 15 U.S.C. 1681g and 1681i to receive a full and complete disclosure of any information being reported about me and the sources of such information.

This is a formal request that you : Provide proper validation of each account and/or inquiry, including the original application, signed contract, and any records showing my authorization. 
Cease reporting any unverifiable or inaccurate information until proper documentation is furnished. 
Remove any unauthorized accounts or inquiries from my credit file if you can not provide adequate proof of my consent. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: IL

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 non-monetary relief