vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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:
To Whom It May Concern : I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Experian has failed to maintain accurate and verifiable information on my consumer report, in violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. Furthermore, Experian is knowingly reporting multiple false identities and fraudulent addresses that do not belong to me a clear violation under the FCRAs accuracy and identity provisions. 

XXXX. Reporting Inaccurate Personal Information Only one legal name is correct and authorized on my report : XXXX XXXX XXXX Experian is improperly reporting several variations, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are inaccurate, unauthorized, and unverified names. This is a direct violation of FCRA 607 ( b ) which mandates consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. These errors misrepresent my identity and undermine the integrity of my credit file. 

XXXX. Fraudulent Address Reporting Experian is reporting multiple addresses where I have never resided, includinXXXX 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 XXXXXXXX I am a victim of the Experian data breach, and these addresses do not belong to me. I have submitted disputes, yet Experian continues to report this false personal data.

3. Unvalidated Collection Accounts Experian is reporting collection accounts that are inaccurate, unverifiable, and have not been validated in accordance with FDCPA 809 ( 15 U.S.C. 1692g ). These include : Access XXXX XXXX Acct # : XXXX {$1000.00} balance Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXcct # : XXXX {$390.00} balance Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX {$1200.00} balance Date Opened : 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 2025-04-30 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: AR

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 2025-04-30 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: DC

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 2025-04-30 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: DC

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
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am filing this formal complaint against Equifax, Experian, and TransUnion regarding their failure to remove a collection account from my credit reports, despite my proper dispute and supporting documentation.

I previously submitted disputes to all three credit bureaus regarding a collection account reported by NATIONAL CREDIT SYSTEMS INC. I provided documentation showing that the account is inaccurate and should not be reported under the Fair Credit Reporting Act ( FCRA ). 

Despite this, all three bureaus have failed to remove the account, and it continues to appear on my credit reports. This inaction is causing continued harm to my credit profile and violates my rights under the FCRA, which requires credit reporting agencies to investigate disputes and remove inaccurate or unverifiable information within 30 days. 

I am requesting that the CFPB investigate this matter and compel Equifax, Experian, and TransUnion to comply with the law and remove the disputed collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Dear Federal Trade Commission, I am writing to formally report a case of suspected identity theft involving unauthorized hard inquiries on my credit report. 
On reviewing my credit report, I discovered multiple hard inquiries from companies with which I have never applied for credit or conducted any business. The following inquiries were made without my consent or knowledge : TD Auto Finance XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> and XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> I have not initiated any applications for auto loans or financing with these companies, nor have I authorized any third party to do so on my behalf. I believe this activity may be linked to identity theft or unauthorized use of my personal information, possibly through a dealership or fraudulent source. 
I respectfully request that the Federal Trade Commission investigate this matter further and provide guidance on the next steps for protecting my identity and restoring the integrity of my credit report. 
Enclosed with this letter are copies of my government-issued ID, credit report showing the inquiries in question, and any relevant documentation for your review. 
Thank you for your attention to this serious matter. I look forward to your response and any assistance you can provide. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-30 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Agency has failed to doing thorough investigation and remove errors from my credit report therefore I am requesting I request assignment of an investigator into credit bureaus validation of debts reported on my credit report my complaints are on file one of them is XXXX of the complaint is XXXX Tuesday or XXXX etc I am also applying the 15 USC 1692 C and 15 USC 1692 g in their entirety in reference to these complaints I'm also asking about arbitration being initiated against these agencies and I also like to reference case law that applies to this the case law is green versus XXXX XXXX XXXX XXXXXXXX the case number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
Agency has failed to doing thorough investigation and remove errors from my credit report therefore I am requesting I request assignment of an investigator into credit bureaus validation of debts reported on my credit report my complaints are on file one of them is XXXX of the complaint is XXXX Tuesday or XXXX etc I am also applying the 15 USC 1692 C and 15 USC 1692 g in their entirety in reference to these complaints I'm also asking about arbitration being initiated against these agencies and I also like to reference case law that applies to this the case law is green versus XXXX XXXX XXXX XXXXXXXX the case number is 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 2025-04-30 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year> I received a retirement distribution check from the State of North Carolina for {$32000.00}. I went into Truist branch and opened a checking and savings account, depositing {$32000.00} check into the checking account and putting {$40.00} cash into savings account. Couple hours later, I was setting up online account and was told to call the fraud department. The person in fraud department advised me that after reviewing early warning report they closed both accounts. They gave me the information to get a report from early warning and advised me that they would send me a check for the funds XXXX business days. 
I called on XX/XX/year> to check on the status of these funds and they advised that they sent the {$40.00} check for the savings account, however, they put a hold on the {$32000.00} with the checking account. They had a note in the system that they would need a letter from the bank issuing the check that the check was not fraudulent and would not be returned. I called the State of North Carolina retirement system and they advised me the check was issued by the State of North Carolina Treasury and not a bank, and they have never been asked to write a letter before so they didn't know anything about that. The representative also advised me while checking my account that the check had cleared on XX/XX/year>. 
I called Truist back on XX/XX/year> and advised them what the representative stated and the only thing Truist representative could do was update the notes for an analyst to review. 
I called Truist office back on XX/XX/year> with same results of updating notes for an analyst to review. 
The check from the State of North Carolina has been cleared now for 19 days and Truist still refuses to release my funds 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 2025-04-30 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: KS

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
Consumer complaint received 2025-04-30 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 filing this complaint because Equifax has continued to report multiple fraudulent, unauthorized, and unverified accounts and hard inquiries on my credit report, despite my repeated attempts to have them removed. These items include accounts with XXXX, XXXX XXXX, XXXX, XXXX, and XXXX, as well as inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have already submitted disputes directly to Equifax and provided supporting documentation, including a letter from XXXX confirming they are removing the fraudulent account. Furthermore, XXXX has already completed their investigation and has removed these same accounts and inquiries from my credit report, which further proves they are invalid. 

As a consumer, I have the right to accurate and verifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Equifax has failed to meet their legal obligation to fully investigate and correct these errors. I am also part of the Equifax data breach, which raises serious concerns about the integrity and safety of my personal information. 

I am requesting the CFPB to intervene and ensure that Equifax immediately removes all fraudulent and unverified accounts and inquiries from my credit report and confirms this correction in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: DC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit 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 non-monetary relief
Consumer complaint received 2025-04-30 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: DC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX : Deposited check for {$1500.00} ( not cleared immediately ). At branch located at XXXX XXXX XXXX XXXX via ATM. RECEIVED EMAIL FUNDS WOULD CLEAR ON XX/XX/XXXX XX/XX/XXXX : FUNDS DIDN'T CLEAR. RECEIVED EMAIL stating clearance delayed until XX/XX/XXXX. CALLED TO SEE WHY DELAY OCCURRED. Account ending in XXXX BALANCE WAS {$0.00} SO I HAD TO TRANSFER {$90.00}, {$10.00}, {$20.00} AND {$27.00} from MY XXXX SAVINGS TO ACCOUNT XXXX. 

XX/XX/XXXX : ACCOUNT XXXX STILL {$0.00} HAD TO TRANSFER OVER {$64.00} FOR XXXX. 

XX/XX/XXXX : WAKE UP AT XXXX I SEE 1. SS DEPOSIT CAME THROUGH. TX 'D TO EFUND 2. ACCOUNT XXXX STILL {$0.00} WONDERING WHERE IS MY DEPOSIT. TX 'D {$45.00} FROM XXXX TO XXXX TO XXXX XXXX. 
XXXX. GOING OVER TRANSACTIONS IN XXXX. FALSE BALANCE SHOWING THE {$1500.00} WAS THERE AND SPENT FROM WHEN IT ACTUALLY WASN'T THERE PLEASE BEAR IN MIND ALL TRANSFERS WERE MADE FROM THE XXXX. BECAUSE THE BALANCE IN XXXX WAS XXXX SHOWING NO DEPOSIT OF THE CHECK. 

DEBITS FROM XX/XX/XXXX : {$1500.00} + XXXX + XXXX + XXXX + XXXX + XXXX = {$1800.00} CREDITS FROM XX/XX/XXXX : XXXX XXXX XXXX = {$310.00} {$430.00} - COULDN'T HAVE BEEN WITHDRAWN SIMPLY BECAUSE THE ACCOUNT BALANCE WAS XXXX DOLLARS IN XXXX ON THE DATE XX/XX/XXXX. 

{$560.00} - NEVER MADE THIS TRANSFER AGAIN BECAUSE THE BALANCE WAS XXXX IN XXXX {$580.00} - SHOWS DEPOSIT THAT I NEVER MADE FROM XXXX TO THE XXXX FUND XXXX FUND SHOWS THAT THE DEPOSIT WAS XXXX XXXX NEVER SHOWED THAT THAT WITHDRAWAL WAS DONE. 

Assuming debts should equal credits clearly hear the debts.Do not equal the credits whether I include the {$560.00} and the {$580.00} that I never transferred or not. 


CHECK THE SCREEN SHOTS. WHY WOULD I DEPOSIT {$90.00}? THEN {$10.00} THEN {$20.00} THEN {$27.00} THEN {$64.00}, IF I ALREADY HAD {$1500.00} IN MY ACCOUNT TO SPEND FROM? THE BALANCE DURING EACH OF THOSE TRANSFERS WAS XXXX DOLLARS AT THE TIME OF EACH TRANSFER. 

THEY ARE MANIPULATING THE NUMBERS AND PUTTING BALANCES THAT NEVER EXISTED AT THE TIME OF EACH TRANSACTION/TRANSFER. 

PLEASE INVESTIGATE THIS THE {$1500.00} WAS NEVER THERE ON THE XXXX. NEITHER WAS IT THERE ON THE XXXX. AND IT'S NOT THERE TODAY ON THE XXXX. 

Please note the phone number on my account as my old phone number.My new and current phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

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 response to consumer: Closed with non-monetary relief