vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
My XXXX loan debt was sold to another company which I was not aware of. An account was created in my name using information that I did not give my credit score dropped due to nonpayment to this company that I was not aware of. When the loan was initially taken out, it was under XXXX company. XXXX Is the third or fourth company To obtain my information without me, giving it. XXXX minute it says the loan is paid off, in the next minute, I am receiving letters in the mail for past due balance greater than the amount initially

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report.

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2014, Balance : {$0.00}

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 2025-05-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RevNow LLC
State: AL

Complaint narrative:
Got at least a dozen calls back to back within a minute time. My Spam filter caught it and blocked it. Then they called a relative and wanted to talk about the issue saying she was a point of contact. If its a debt concerning me they cant talk to her about anything and they never not once mentioned who they were representing. I called and left a message at the number because no one answered and I got a voicemail for XXXX. XXXX XXXX called back and said I left a voicemail after hours which I didnt I called in the morning at XXXX. How did XXXX get a voicemail left for XXXX? I dont like deceptive debt collection practices. They should be held to some type of standard and decorum. I know they are trying to do their job but you can do that without these tactics. Just be honest, most people would be willing to talk if these debt collectors werent deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  Ally Financial XXXX. XXXX XXXX XXXX, MN XXXX * * Subject : * * Dispute of Inaccurate Information Account # XXXX * * Re : Request for Investigation under 15 U.S.C. 1681 * * Dear Ally Financial, I am writing to formally dispute certain information being reported by your company to the credit reporting agencies regarding my account numbered * * XXXX * *, which appears on my credit report. This letter is written in accordance with my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 * *.

Upon reviewing my credit report, I noticed that the information associated with this account is is written as a charge off and is still reporting to my credit. I am requesting that Ally Financial conduct a thorough investigation into this matter and either correct or remove the inaccurate information from my credit file with all major credit reporting agencies, pursuant to * * 15 U.S.C. 1681i * * and * * 15 U.S.C. 1681s-2 ( b ) * *.

Please be advised that under federal law, you are required to : 1. * * Investigate the disputed information within 30 days * * of receipt of this notice ; 2. * * Report the res
ults of the investigation to the credit bureaus * * ; 3. * * Delete or correct * * any information found to be inaccurate, incomplete, or unverifiable.

If you are unable to verify the accuracy of this information, you are required to delete it from the credit report.

Please provide me with written confirmation of the outcome of your investigation. Failure to comply with these obligations may result in further action, including the filing of complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * * and/or legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
- * * Account Number : * * XXXX - * * Debt Collector Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Owed : * * {$1000.00} I am writing in response to your communication regarding the alleged debt referenced above. Under the * * Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) * *, I formally request that you provide * * verification and validation * * of this debt, including : 1. Proof that I owe this debt.

2. A detailed breakdown of the amount claimed, including principal, interest, and fees.

3. Documentation showing the original creditors name and your legal authority to collect this debt.

4. A copy of any signed agreement or contract obligating me to pay this debt.

Until you provide this verification, I * * dispute * * this debt and * * refuse to make any payment * *. Additionally, if this debt has been reported to credit bureaus, you must mark it as * * '' disputed '' * * until validation is provided.

* * Cease and Desist Communication : * * If you can not validate this debt, I demand that you * * cease all collection efforts * * and remove this account from my credit report. If the debt is not mine, I will not pay it and may pursue legal action for any violations of the FDCPA.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-28 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:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: KS

Complaint narrative:
b'I sent letters wanting proof never heard back \n\nTransunion \nEquifax \nExperian'

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 2025-05-28 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: KS

Complaint narrative:
b'I sent letters wanting proof never heard back \n\nTransunion \nEquifax \nExperian'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: VA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
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 2025-05-28 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: MD

Complaint narrative:
In XX/XX/XXXX, I discovered that a federal student loan from XXXX is being reported under the name DOE XXXX. I did not apply for, authorize, or receive this loan. On XX/XX/XXXX, I submitted a formal dispute letter along with an FTC Identity Theft Report requesting full validation, including a signed promissory note or other legal proof I agreed to the loan. No documents have been provided, and the account remains on my credit reports. 

The loan is being reported by all three credit bureaus with inconsistent and inaccurate information, including different balances, open dates, and comments. These errors violate the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting and proper responses to disputes. 

I am a confirmed victim of identity theft and was impacted by the XXXX XXXX  data breach. I believe this loan was fraudulently created using my compromised personal information. 

This account is harming my credit and has never been validated. I am requesting immediate and permanent deletion. I have attached my FTC Identity Theft Report and a copy of my formal dispute letter as proof of my efforts to resolve this matter properly.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Burke Moore Law Group, LLP
State: GA

Complaint narrative:
I recently reviewed my credit report and was alarmed to discover a collection account from XXXX XXXX XXXX Burk Law Group. I want to state clearly that I have never opened a credit card or conducted any business with XXXX XXXX. I believe this account is a result of identity theft. 

Several years ago, I became a victim of identity fraud. At the time, I had to change my drivers license number because someone was actively attempting to impersonate me. Additionally, there was a serious incident in XXXX XXXX where my car was broken into. A police report was filed, as my purse was stolencontaining my Social Security card, ID, and bank card. As a result, I had to replace all of my personal and financial documents to protect myself from further harm. 

For context, Ive primarily banked with XXXX and XXXX XXXX due to my XXXX XXXX military service. I also hold an account with XXXX XXXX XXXX XXXX from my time working at XXXX XXXX. I have never had any dealings with XXXX XXXX, and I strongly believe this account is fraudulent. 

I respectfully request a thorough review of this matter and that this collection account be deleted from my credit report, as it is not a valid debt incurred by me. I appreciate your attention to this issue and any support you can provide in helping me resolve it. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: Flandreau Santee Sioux Tribe
State: TN

Complaint narrative:
This company made a credit inquiry on XX/XX/year>, and I don't know this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Ive been going back and fourth with this company since XXXX. I deposited a business check into my personal account with authorization from the check signer ( who has proof he spoke with a representative at TD ). The deposited and then held the money in an account and closed mine due to fraud. I was told it was a temporary hold at first but now that there is no timeline to receive the funds. I have been speaking with the writer who called his bank and had a statement written on his letterhead that we are entitled to those funds. Any time I attempt to contact TD bank I am told my account t bo longer exists and I am unable to get resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following information that appears on my TransUnion report from XX/XX/XXXX : XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I previously disputed this account, stating : " The current payment status of 60 days past due is incorrect because the balance due on this account is {$0.00}. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I previously disputed this account, stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

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 2025-05-28 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: CA

Complaint narrative:
I want to unequivocally state that I have never applied for any credit product or account with XXXX. I have no relationship with this financial institution. This account is fraudulent and was opened without my knowledge or authorization. XXXX XX/XX/year> is presented only in Equifax and Transunion and i don't have this account on my XXXX credit report. 
The presence of this fraudulent account on my credit report is negatively impacting my creditworthiness and causing me significant distress. I am requesting that the CFPB investigate this matter thoroughly and take immediate action to have this unauthorized account permanently deleted from my credit reports ( Equifax and TransUnion ). I also request that the CFPB ensure that any associated inquiries or negative marks are removed.

Please advise on the next steps in this process and what additional information you may require from me. I am committed to cooperating fully to resolve this issue as quickly as possible.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief