vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: EQUIFAX, INC.
State: LA

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 : 1. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the XXXX-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-14 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: IN

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 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 2025-03-14 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: IN

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 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

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 2025-03-14 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX  . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX  days of receipt of this letter.

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX Equifax XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX/game Date Opened XX/XX/XXXX Balance {$190.00} XXXX Card Services Balance {$4100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Factual Data XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
A duplicate account is reporting on my credit report out of error, I've called on numerous occasions to have it removed from my report but it's still showing. I would like an investigation on this matter because it's hindering me from my home buying process. I would like for this matter to be resolved immediately

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 2025-03-14 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
I wasnt able to see the option for this, but under FDCPA, spoofing your number to appear to be a local number is a violation under deceptive practices. I received a call from a spoofed number in my area code from Reliant Capital XXXX. I believe this is fraudulent and deceptive and violates the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$870.00} XXXX # XXXX XX/XX/XXXX -- {$440.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian

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 2025-03-14 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$870.00} XXXX # XXXX XX/XX/XXXX -- {$440.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian

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 2025-03-14 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the inaccurate name variation XXXX XXXX XXXX on my credit report please remove the dash from my name, My accurate name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, my accurate address is XXXX XXXX XXXX, XXXX, NJ XXXX, and not XXXX XXXX XXXX XXXX, NJ XXXX address is not mine. My correct employer is Iron Bound Services. These errors must be corrected and updated to their record and ensure compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy. Experian 's failure to correct these inaccuracies constitutes negligent non-compliance under FCRA 15 U.S.C. 1681o and willful non-compliance under FCRA 1681n. These errors have negatively impacted my credit report and must be corrected immediately to prevent further harm. I request an immediate investigation and correction of my name, address, and employer information to reect accurate records.

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 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
XXXX XXXX and his contact email is XXXX we have a appointment for today and for tomorrow but he called me saying he just did some keep research saying he cant help us or open a account for my mom because the bank terminated my banking relationship and end it to and my mom too but that is a lie because my mom never have a bank account open with yall only just me and I told the manager that the only agents say my mom still can open a bank account but I cant but he say she cant but didnt want to believe me because she is on list and I am on a list that cant open a new account there but she didnt have a account there only just me so I need yall to investigate this issue if this is true and remove her name on what ever list he is talking about she should not be on a list and remove my name off the list because my name should not be on the list yall end my relationship for no reason and terminated me for no reason over a dispute claim I was trying to get help the first time and allow me and my mom to open a account or just my mom to open a account or allow her to add me under her account and allow us both to get a debit card because we received XXXX and she is my payee and we both get our checks to XXXX account and I need yall to contact him to tell him that she is allowed to open a account and I am allow to open a account and she is also allow to add me under her account if I dont want to open a account and make him help us and investigate him and punishment him for this issue and make him provide a apology letter for this complaint against him etc our XXXX is XXXX and her ssn is XXXX XXXXXXXX XXXX name is XXXX XXXX and XXXX XXXX And he also told me the other agents words was a mistake 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 2025-03-14 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: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: FL

Complaint narrative:
this account does not belong to me and its original creditor is XXXX XXXX, XXXX not buying XXXX  for any women and definately not myself. please remove

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 2025-03-14 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: FL

Complaint narrative:
this account does not belong to me and its original creditor is XXXX XXXX, XXXX not buying XXXX  for any women and definately not myself. please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: RI

Complaint narrative:
[ XXXX A XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXX, RI XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] EQUIFAX Subject : Dispute of Late Payment Reported Dear Sir/Madam, I am writing to formally dispute the inaccurate late payment information reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to request a thorough investigation of any information on my credit report that I believe is incorrect or incomplete. 
The specific late payment in question is for [ XXXX XXXX XXXXXXXX ] and was reported as being XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ] on my credit report. I believe this information is incorrect because [ provide an explanation of why it is wrong, e.g., payment was made on time, or any other reason why the late payment was inaccurately reported ]. 

I request that you investigate this matter and provide me with written verification of your findings. If the information can not verified, l ask that it be corrected or removed from my credit report as required by the FCRA. Please acknowledge receipt of this dispute and provide me with the results of your investigation within 30 days, as stipulated by the FCRA. 


look forward to your prompt resolution of this matter. Thank you for your attention to this important issue. 


Sincerely, [ XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: AZ

Complaint narrative:
Last month, my federal student loan data was illegally accessed by DOGE. Despite multiple attempts to have this issue investigated by multiple credit reporting agencies, no action has been taken yet.

It is not at all clear that DOGE officials meet the strict criteria that would allow them to access this sensitive information protected by federal lawor whether DOGE officials have gained access to other sensitive ED databases as part of their efforts to reform the agency.

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 2025-03-14 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: GA

Complaint narrative:
I am a victim of identity theft. There are several inquiries and accounts that I didnt give permission or authorization to open

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation