vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I co-signed a loan in XXXX of XXXX for my niece & her XXXX ( XXXX & XXXX XXXX ) for {$300000.00}. This loan was paid off in XX/XX/XXXX & a new loan was rewritten without me as a co-signer ( XXXX XXXX # XXXX on XX/XX/XXXX ). 
This process started in XX/XX/XXXX & was completed in XX/XX/XXXX. 
The company involved on my credit report is NEWREZ_SHELLPOINT at XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX ( XXXX ). 

I have contacted them back in XX/XX/XXXX, but nothing has been done since. 

This loan appeared on my credit report in XXXX within XXXX weeks of closing, however they seem to be in no rush to remove the outstanding balance of {$280000.00}!! 

This is ridiculous and I would greatly like some assistance in getting this erroneous credit info removed from my credit reports. Greatly Appreciated 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I scheduled a XXXXXXXX XXXX XXXXXXXX with Ally for XX/XX/XXXXXXXX  using their system. It failed to process. I manually paid {$500.00} on XX/XX/XXXX. Ally acknowledged the system error in a phone call and said they would issue a letter of good faith, but never fixed my credit report. Despite no late fee being assessed, they reported a late mark for XXXX. I disputed it with the credit bureaus, but Ally verified it. They later reported the {$500.00} payment I made on XX/XX/XXXX as a XXXX payment and adjusted the XXXX balance to {$0.00}, indicating they acknowledged the issuebut the late mark remains. This is inaccurate reporting caused by their system failure, not consumer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I am requesting the immediate deletion of the reinserted accounts. Additionally, I expect a full explanation in writing, including the name of the entity that re-reported the account ( s ), their contact information, and a statement detailing your procedures regarding the reinsertion.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
XX/XX/XXXX EXPERIAN XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Debt Validation Regarding Inquiry Dear EXPERIAN, I am writing to request validation of a hard inquiry listed on my credit report that I believe is associated with a debt I do not recognize. 
Account Information : Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any debts and inquiries recorded on my credit report. I kindly ask that you provide me with the following information regarding this inquiry : 1. The details of the debt associated with this inquiry.

2. Documentation proving that I authorized this inquiry.

3. Any other relevant information regarding the creditor.

Please respond within 30 days of receiving this letter. If you can not provide the requested validation, I ask that you remove this inquiry from my credit report.

Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, signed XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-16 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-16 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I am writing to address serious issues on my credit report involving inaccurate personal information and accounts that do not belong to me. These errors appear to be the result of identity theft, and I have already taken the necessary steps by filing an FTC identity theft report, as advised by Equifax. Despite submitting that report, these fraudulent accounts are still on my file. I want to be very clear, I did not open or authorize these accounts. They are not mine, and they are damaging both my credit and my peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NJ

Complaint narrative:
I am writing to formally dispute the recent closure of my credit card account, which was done without prior notice and has caused me to lose access to my accumulated rewards.

I was surprised to discover that my account had been closed when I attempted to access it, and I was never notified via email, phone, or mail beforehand. As a result, I was unable to redeem my rewards before the closure took effect.

I respectfully request the following : A written explanation for the closure of my credit card account.

Immediate reinstatement of the account or, at the very least, the ability to redeem the rewards I rightfully earned prior to closure. 

Confirmation of whether this decision is final, and whether it is reversible or can be appealed. 

I trust that Bank of America values its long-term customers and will correct this issue. If necessary, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory channels. 

Please respond to this request as soon as possible. I can be reached at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX phone number 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 2025-05-16 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: TN

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 explanation
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: Self Financial Inc.
State: GA

Complaint narrative:
In XX/XX/year> a secured credit card was opened in my name I have sent multiple documents showing the company that I was incarcerated during the time of the loan with many failed attempts this company is still making me be liable for this fraudulent account that was opened illegally fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts 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 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> 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-16 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX * * * * has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my credit report account ending in XXXX that are inaccurate and not properly verified I have disputed this directly with the credit bureaus and the furniture but the late payments remain with out proper validation or documentation. Under 15 USC 1681 S2 a furnitures must report accurate information. Under 15 USC I 1681 I the credit bureaus must preform A reasonable investigation within 30 days neither of them have provided sufficient evidence to support they have also reported two completely different times on my credit report. One stating that I was late and the other credited bureau stating that I was on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Theres an inquiry showing on my credit report that I did not authorize in any way. It was done online, without my knowledge or consent, and Im telling you now this is fraud.

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 2025-05-16 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: Radius Global Solutions LLC
State: WI

Complaint narrative:
To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that you provide the following information : 1. Proof that I owe this debt : Provide documentation showing that I am legally responsible for this debt, including a copy of the original signed agreement or contract.

2. Breakdown of the debt : Provide a detailed breakdown of the amount owed, including the principal balance, interest, fees, and any other charges.

3. Proof of ownership of the debt : Provide documentation proving that your company has the legal right to collect this debt, including a copy of the agreement transferring the debt from the original creditor to your company.

4. Account history : Provide a complete history of the account, including the date the account was opened, the date of the last payment, and any charges or credits applied to the account.

5. Original creditor information : Provide the name, address, and contact information of the original creditor.

Until you provide this information, I dispute the validity of this debt and request that you cease all collection activities, including reporting this account to credit bureaus.

Additionally, if this debt has been reported to any credit bureaus, I request that you notify them that the debt is disputed.

Please send all correspondence regarding this matter to the address listed above. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
Subject : Dispute of Inaccurate Information in Credit Report To Whom It May Concern : I am writing to formally dispute certain inaccurate and potentially damaging information on my credit report, specifically concerning accounts and inquiries associated with your reporting agency. In light of the recent lawsuits implicating both Experian and Equifax in violations of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate investigation and permanent removal of these disputed items from my credit file, as they do not accurately reflect my credit history nor my financial responsibility. 
According to the FCRA ( 15 U.S.C. XXXXi ), consumers hold the right to dispute information they believe to be erroneous. I am exercising that right today. The accounts identified in my request not only contravene the provisions established in the FCRA, which mandates that consumer reporting agencies ensure maximum possible accuracy of the information they provide, but they also appear on my credit report despite a lack of substantiated evidence against me. Furthermore, the law requires that erroneous information be deleted promptly, which has not occurred in my case, indicating a breach of fiduciary duty on your part. 
Additionally, I draw your attention to Section XXXX ( a ) of the FCRA, which governs the reporting of negative informationthe accounts in question have exceeded the XXXXyear reporting limit without sufficient justification for their presence. As per the stipulations outlined, I demand that you take immediate action to verify the legitimacy of these accounts ; failure to provide accurate documentation corroborating these entries will leave no alternative but to remove them entirely from all credit reporting networks. 
Please be advised that I have previously attempted to rectify this matter by sending multiple certified credit dispute letters and a credit dispute form to the respective credit reporting companies on or around XX/XX/year> ; XX/XX/year> and XX/XX/year> with no resolution to these issues.

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