vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
Im in need of medical treatment and I needed to take out a personal loan. I applied for info online for a personal loan. I was contacted on Thursday XX/XX/year> via email by a company claiming to be Lightstream  XXXX XXXX XXXX. The entire process between the fake scammer company and I occurred on XX/XX/year>. I was approved for a loan of {$7000.00} with a decent interest rate. After the approval I communicated via text message with supposed loan officer XXXX XXXX. ( XXXX ) XXXX Or ( XXXX ) XXXX. XXXX said he needed my online banking login info in order to deposit the funds. Red flag but I really needed funds for treatment so I did it. Over the phone, text messages, and via email I was sent the loan documents. I will include them below. They were very unprofessional but the cfpb logo is on their documents as well as supposed accreditation by the XXXX XXXX XXXX 
A couple hours later I was told my credit score was too low and that they had deposited two checks into my checking account in order for my account to meet loan qualification standards. I was instructed to refund those two deposits via XXXX XXXX the following day. I knew this was a scam. 
I called my bank. The deposits were made via mobile check deposit through my online banking. Neither check is likely to be legitimate. I checked all the phone numbers on the loan documents. Only the number for loan officer XXXX XXXX was a real working number. I emailed the real LightStream lenders and confirmed I did not have an account with them. That communication is included below. 
Had I complied with the loan scammers ' requests, I would have transmitted uncleared funds to them through my XXXX XXXX, which is linked to my checking account. They would have exploited me and my account to generate {$1000.00}, for which I would have been liable for repayment. Fortunately, that scenario did not unfold. However, I am now closing my accounts and opening new ones which is frustrating but it could have been much worse. 
I am concerned because they have obtained my date of birth, Social Security number, and other sensitive personal information. I am eager to prevent others from falling victim to similar scams. Im attaching documents and messages I received below. Thank You.

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 2025-09-26 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: MI

Complaint narrative:
I am filing this complaint to formally dispute and demand immediate investigation into multiple inaccurate and fraudulent items being reported on my credit profile. The following entries are erroneous, unverified, and must be removed immediately as they violate my rights under the Fair Credit Reporting Act ( FCRA ), Section 609 & 611, as well as the Fair Debt Collection Practices Act ( FDCPA ) where applicable. 

1. Wrong Address Reporting The following addresses are being inaccurately associated with my credit file. These addresses are not mine, and I have never resided at them : XXXX Raliegh Pl, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX listings are damaging, misleading, and raise concerns about possible identity theft or file commingling. 

2. Fraudulent/Inaccurate Accounts & Inquiries The following accounts/inquiries are being reported in error : Comenity Capital/Saks CC ( Account XXXX XXXX XXXX XXXX ) * * Date Opened : XX/XX/year> Balance : {$230.00} I have no knowledge of this account and never authorized it. 

XXXX XXXX ( XXXX ) XXXX Date XXXX XX/XX/year> I did not authorize this inquiry. 

Legal Violations These inaccuracies violate FCRA 602 ( A ), 609, and 611, which mandate accurate reporting and consumer access to verified information. 

Failure to provide proper validation and continued reporting of these items constitutes negligent and willful noncompliance under FCRA 616 & 617.

Any unverified or fraudulent information must be deleted immediately as per FCRA 611 ( 5 ) ( A ).

Requested Action I demand that the CFPB : Investigate these matters promptly and hold the furnishers/credit reporting agencies accountable. 

Require deletion of all inaccurate addresses, unauthorized inquiries, and fraudulent accounts from my credit file. 

Provide me with documentation of the verification process and confirmation of corrective actions taken. 

I expect a full resolution within the legally required time frame. Continued reporting of inaccurate information is causing me serious harm, including damage to my creditworthiness, financial opportunities, and peace of mind.

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 2025-09-26 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: TX

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I responded to a letter dated XX/XX/XXXX regarding a cyber incident involving unauthorized acres to my personal information that was stored on a third party application serving U.S. consumer support operators. 

The information included both my personal social security number and date of birth. 

I have a freeze and credit monitoring with TransUnion from previous complaints. 

In response to the incident, Transuion is offering credit monitoring services at no charge for 24 months How could Transuion take protection of personal information seriously when I previously have a freeze on my account. 

During my freeze XXXX XXXX was see if I qualify for an in-store credit card during XXXX XXXX. 

I informed the associate I had a freeze she started it didn't matter The company replied back my credit card request was denied. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
I am submitting this formal complaint to dispute numerous inaccuracies, unauthorized actions, and potentially unlawful reporting on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. These errors are causing substantial harm to my creditworthiness, financial stability, and personal reputation. Immediate corrective action is required XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX High Balance {$9700.00} Late Payment This account has been inaccurately reported with late payments that do not reflect my actual payment history. Despite consistent efforts to maintain timely payments, the reporting agency has continued to mark this account as delinquent, causing undue damage to my credit profile, limiting my access to fair financial opportunities, and potentially violating my rights under the FCRA. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry FACTUAL DATA XX/XX/XXXX Inquiry These numerous unauthorized or inaccurate hard inquiries indicate potential violations of FCRA 604, which requires permissible purpose for credit checks. I did not provide consent for most of these inquiries, nor were they related to legitimate credit applications, causing unnecessary negative impact on my XXXX XXXX and potential legal exposure under FDCPA and state consumer protection laws. 
I demand a full investigation and removal of all inaccurate late payments, charge-offs, and unauthorized inquiries from my credit report. I request written confirmation from each credit reporting agency confirming corrections have been made. Failure to correct these violations XXXX result in legal action under FCRA and FDCPA, including claims for damages, attorneys fees, and other remedies allowed by law. 
Accurate reporting is mandatory under federal law. My financial integrity, access to credit, and legal rights depend on your immediate and comprehensive corrective action

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 2025-09-26 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

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 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AR

Complaint narrative:
I moved in XX/XX/XXXX, and I moved out XX/XX/XXXX. 
I paid my rent in full. I gave an XXXX  day notice. The XXXX charge shouldn't be on there. Neither should the NSF fee. I've asked for them to send me where I was still occupying the apartment in XX/XX/XXXX. I was NOT in that apartment! I would like this removed from my credit ASAP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: PA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/25 I spoke with a representative at TD credit card company. The representative advised me they could put me on a long-term forbearance/hardship program, which would be active for XXXX  years. I agreed and was approved for the program and was told my monthly payments would start on XX/XX/25 for {$71.00}. I agreed to the terms and payments. I currently have a credit card balance with TD of {$4200.00} with an overdue amount of {$630.00}. I am unable to pay anything more than the {$71.00} as I calculated this amount into my budget to pay the credit card down. I received a phone call on XX/XX/25 at XXXX from a representative at TD credit card services saying that my forbearance was later denied due to me not completing the previous hardship program within the year and that it was a mistake on TD 's part and the representative. I want to file a formal complaint and dispute regarding this as I was misinformed and given wrong information on XX/XX/25 and even asked the representative if I would be able to do this and was told yes and got approved for it. I want to request my TD credit card balance dismissed/forgiven for the wrong and misleading information given to me. This situation has caused me much stress and confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: SC

Complaint narrative:
Cease and Desist Notice Under 15 U.S.C. 1692c ( c ) Fair Debt Collection Practices Act Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Account No. XXXX | Alleged Balance : {$6300.00} | Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX. 



To Whom It May Concern : This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I demand you cease all communication with me regarding the above-referenced account.

Effective immediately, you are instructed to : 1. Stop all phone calls, letters, emails, or other communications with me about this alleged debt. 
2. Refrain from contacting my family members, employer, or any third party in relation to this matter.

Be advised that any communication beyond what the FDCPA expressly permits ( such as a single notice of intent to pursue legal remedies ) will constitute a violation of federal law. I reserve the right to take legal action against your company for such violations, including claims for statutory damages, actual damages, and attorneys fees.

This letter does not acknowledge liability for the alleged debt. I dispute the validity of this account and fully reserve all rights under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and all other applicable laws. 

Please confirm in writing that you have received this notice and that all communications will cease as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX SCXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: WI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-09-26 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) 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. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-26 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation