vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: DE

Complaint narrative:
I request the immediate correction of inaccurate personal information contained in your files and reported to other credit reporting agencies. Specifically, the personal identifying information and address history listed on my credit file are incorrect and do not reflect accurate or authorized data. 
Account for XXXX XXXX XXXX  in your files you have my address listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX in your files you have my address listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX You state that the creditor provided this information, The above address are inaccurate I never lived there can you provide me with a copy of the original credit card agreement with that address listed as my address or delete the inaccurate file Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting inaccurate personal information constitutes a violation of this federal law and can lead to negative consequences for the consumer.

Additionally, per FCRA 1681i, you are required to investigate any disputed information and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receipt of this notice. Therefore, I am requesting the following actions be taken immediately : 1. Remove or correct all incorrect personal identifying information including names, social security numbers, and date of birth.

2. Remove or correct all inaccurate addresses associated with my credit file.

3. Cease any reporting of this incorrect information to third-party credit bureaus. 

Please provide a written confirmation of your investigation and the changes made to my file. If you are unable to verify the accuracy of the information, it must be removed in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: DE

Complaint narrative:
I request the immediate correction of inaccurate personal information contained in your files and reported to other credit reporting agencies. Specifically, the personal identifying information and address history listed on my credit file are incorrect and do not reflect accurate or authorized data. 
Account for XXXX XXXX XXXX  in your files you have my address listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX in your files you have my address listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX You state that the creditor provided this information, The above address are inaccurate I never lived there can you provide me with a copy of the original credit card agreement with that address listed as my address or delete the inaccurate file Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting inaccurate personal information constitutes a violation of this federal law and can lead to negative consequences for the consumer.

Additionally, per FCRA 1681i, you are required to investigate any disputed information and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receipt of this notice. Therefore, I am requesting the following actions be taken immediately : XXXX. Remove or correct all incorrect personal identifying information including names, social security numbers, and date of birth. 
XXXX. Remove or correct all inaccurate addresses associated with my credit file. 
XXXX. Cease any reporting of this incorrect information to third-party credit bureaus. 

Please provide a written confirmation of your investigation and the changes made to my file. If you are unable to verify the accuracy of the information, it must be removed in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: 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 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 2025-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I did all the proper steps to make sure Truist had the new and correct information for my homeowners coverage. Truist still paid the wrong amount. 

Their own coverage website shows the correct policy info and premium amount of {$1600.00}, but they paid them {$1700.00}. 

Truist cant even properly manage my escrow. A grade school child could do better. This is out of control that I keep having issues with Truist. I could manage my own escrow more effectively than this. 

Please ask Truist to figure out what steps they need to take to correct their mistakes. 

Their executive relations team would not speak to me; said they needed a case. I did everything I was supposed to do. Truist still failed me- again. 

Screenshot of their own website attached ; it shows correct amount and that they paid a different amount

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 2025-05-02 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 writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXXXXXX 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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
I first opened my account with first Commonwealth Bank at XXXX XXXX XXXX XXXX XXXX XXXX months ago. I have had the most frustrating banking experience with this bank. Then I have ever encountered in my years of banking and the XXXX months Ive held this account. I have received XXXX new ATM cards because they have unjustly claimed my card was flagged for fraud without any notification or opportunity for me to respond. They simply disabled my card, forcing me to wait XXXX weeks to access my funds. I have been on vacation and they have frozen my card out of nowhere which recently just happened on XX/XX/XXXX of this year luckily I have an additional bank. Additionally, they have a legally restricted my online access to my account and blocked my deposits all of this done from a misunderstanding. When I first open my account they assumed my deposit was erroneously fraudulent Since they were proven wrong. I have been unfairly, targeted and harassed at this branch. They particularly blocked access to XXXX of my deposits blamed it on a separate bank. I contacted XXXX to ask them why theyre blocking my funds. XXXX said that they had sent the funds a week prior once I called the branch And told them XXXX is not blocking it. I asked if I needed to get a lawyer and then all of a sudden my funds were released. 

Now every single month, I encounter issues with this bank. I find myself having to stand at the counter before checking out, verifying my bank account to ensure that they havent cut off access for no reason this can not be legal and its simply unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MS

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this 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 2025-05-02 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: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

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 2025-05-02 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: FL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-05-02 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Exto Inc.
State: TX

Complaint narrative:
When I upgraded my account, it stated that I would be paying {$7.00} a month equaling a total of XXXX a year and I would have the benefits of customer support within 15 minutes. It also stated that my other feedback for the regular membership would be reimbursed to me, but none of this happened. In fact they charged me the XXXX and they took my {$40.00} that I put in my deposit account. I asked them to cancel this because this is nonsense. I upgraded my account connected my XXXX check to be deposited to them now but theyre not following through. Nothing I still have not yet to talk to nobody and its been six hours. They have failed to keep their side of the agreement. This company sucks. Ive asked and requested for support to speak to somebody and I can not speak to nobody theres no phone number it just chat in this chat its AI. Its never speaking to no individual. I want my money back and I want to cancel my account. This is nonsense. I cant even get my own money back and now theyre they put me to where I owe {$130.00} or after they check my {$40.00} XXXX they owe {$99.00} but I dont owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is also reporting the closed XXXX XXXX XXXX XXXXXXXX ) account as having a past due balance on XX/XX/year>XXXX yet it is clearly listed with a {$0.00} balance. This is misleading and unfair reporting, as a late payment status should not exist on an account that was closed and carried no balance at the time. This reporting error violates both 15 USC 1666b and 15 USC 1681e ( b ), because it misrepresents my payment history and creates the false impression of financial irresponsibility, despite the account being fully resolved.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV Funding is reporting a debt that I do not owe them! Account # XXXX. I have not signed a bind legal document with LVNV Funding. 
I requested Debt Validation ( see attached letter ) they sent me a copy of my credit card statement with XXXXXXXX XXXX XXXX 
This is not VALIDATION OF THE DEBT. My rights are being violated. 
I want this entry removed from my credit report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation