vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Immediate Deletion Required for Inaccurate & Unverifiable Accounts To Whom It May Concern, I am writing to formally dispute the accounts listed below on my credit report. These entries are inaccurate, unverifiable, and are being reported in violation of federal laws including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC ). 

Disputed Accounts : - 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 Charge-Off {$0.00} Legal Basis for Deletion : - FCRA 1681i ( a ) ( 1 ) ( A ) : Requires deletion of information that can not be verified within 30 days.- FCRA 1681b : Prohibits use of consumer reports without permissible purpose.- FDCPA 809 ( b ) : Demands full validation from debt collectors, including contracts.- UCC 3-501 ( b ) ( 2 ) : Requires presentment of original contracts or written obligation bearing my signature. 

Reporting accounts with {$0.00} balances as negative items is misleading, inaccurate, and a willful violation of FCRA 1681s-2 ( b ). These furnishers have no legal ground to report a derogatory status if the account has no outstanding debt. 
If these accounts are not fully verifiedincluding chain of assignment, wet-ink signature contracts, and furnisher investigation resultsthey must be removed immediately. 

If you fail to correct this within 30 days, I will file complaints with the CFPB, FTC, and Illinois Attorney General, and pursue civil damages under FCRA 1681n. 
This is your legal notice. 

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 2025-05-10 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 am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX * * * * Balance : {$4300.00} XXXX XXXX XXXX * * * * Balance : {$2000.00} XXXX XXXX * * * * * * * * * Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX * * * * Balance : {$4300.00} XXXX XXXX XXXX * * * * Balance : {$2000.00} XXXX XXXX * * * * * * * * * Balance : {$16000.00}

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 2025-05-10 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX  # XXXX XX/XX/XXXX -- {$5000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$6200.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2600.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$4800.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2200.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5800.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> M & T Bank XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX RE : Dispute of Certificate of Deposit Account Ending in XXXX Filed with XXXX XXXX XXXX Dear M & T Bank XXXX XXXX XXXX, I am writing in response to your letter dated XX/XX/year>, regarding the Certificate of Deposit account ending in XXXX. I appreciate your response to my inquiry ; however, I must respectfully dispute the findings in your letter and reaffirm that I did not open this account. 

Although your records state that my identity was verified at the time of account opening, I am formally requesting a full investigation into this matter. Specifically, I request the following documentation : A copy of the photo identification used to open the account Any signatures associated with the account application IP address logs or geolocation data linked to the accounts digital activity Additionally, the email address referenced in your response ( XXXX ) is not mine and has never been used by me. This strongly suggests identity theft. 

As I did not open this account and had no knowledge of its existence, I request that M & T Bank remove any reporting associated with this account from XXXX XXXX XXXX XXXX XXXX  ) and acknowledge this matter as a potential case of fraud. 

To ensure this situation is handled appropriately, we will also be filing a report with both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) as a precaution. 

Please confirm receipt of this letter and provide a timeline for your investigation. I expect a written response within XXXX business days. If further information is needed from my end, please let me know. 

Thank you for your attention to this serious matter. 

Sincerely, 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 2025-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
What happened is I went to the dentist office on the XXXX. I canceled it on the XXXX. The dentist office is refusing to send the money back to the finance company. I had taken out a loan for {$15000.00} on XX/XX/XXXX. XX/XX/XXXX. I called to cancel the loan. I call the loan company and I called the dentist office. The dentist office is refusing to send the money back to the loan company. The loan company. I called them. I called the resolution department they when wasn't is not willing to help. I even sent evidence that no work has been performed. No work has been rendered. Only thing they did on the XXXX was took an x-ray and made a mold

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 1681. XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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 a 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 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 explanation
Consumer complaint received 2025-05-10 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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 am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  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 2025-05-10 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MA

Complaint narrative:
Subject : XXXX XXXX XXXX Equifax XXXX to Properly Investigate and Verify Disputed Account To Whom It XXXX Concern, I am filing this formal complaint against Equifax Information Services LLC, Equifax Legal Department for failing to comply with the Fair Credit Reporting Act ( FCRA ) in connection with my recent dispute regarding an account listed as XXXX Bank ( Account ending in * * * * XXXX ). 

Despite my formal dispute, Equifax responded that the account was " verified '' and continues to report it on my credit file. However, Equifax has failed to provide any evidence of a legitimate verification process or any documentation that proves the account is legally connected to me. 

This response is unacceptable and constitutes the following violations of federal law : Failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ). 

Failure to provide the method and results of the investigation, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Continued reporting of inaccurate or unverifiable information, in violation of FCRA 1681i ( a ) ( 5 ) ( A ).

Negligent and/or willful noncompliance with FCRA provisions , subject to civil liability under 1681n and 1681o. 

I have demanded Equifax to delete this account unless they can provide : A signed contract or application proving I am legally responsible for the account. 
Full documentation used in their verification. 
A detailed account of the steps taken to verify the information. 
To date, none of this has been provided. 

I am requesting that the CFPB investigate this matter and compel Equifax to either : Immediately remove the XXXX Bank account from my credit file. 

I am also requesting that this violation be documented for future regulatory review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
On Thu, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I sent a financial hardship letter in response to a lawsuit letter sent to me XXXX and XXXX XXXX. Explaining the current financial situation of all members of my household including myself, who are currently unemployed. 

In the email I named all members of my home and that we have the intention to pay off any alleged debts, but we are currently unable due to financial strain and emergency. I also stated this is a very emotionally distressing time for us and requested they please refrain from sending any public service members to my home and to cease and desist any debt collection activity or credit reporting. 

On Saturday, XX/XX/year> at XXXXXXXX XXXX  - A public service member came to our door to serve papers, although I already sent the email requesting that they stop sending public service members and individuals from their company to my home due to this being a distressing time for my family. 

These public service members come to our residence on a daily basis and knock hard on the door as if to instill fear and are causing my family emotional distress and unease during this difficult time. I have attached a video of this public service member 's car outside of my home, it is a XXXX XXXX. 

Harassment and Intimidation : The agency has sent individuals to my residence who identified themselves as public service members. These individuals have knocked on my door with excessive force, creating an environment of fear and intimidation for my family. Such actions are not only unprofessional but also violate the FDCPA 's prohibition against harassment.

Emotional Distress : These aggressive collection tactics have caused undue emotional distress during a particularly challenging period in my life marked by unemployment. The stress inflicted upon my family and me is immeasurable and unacceptable.

Improper Credit Reporting : Zwicker & Associates has reported this alleged debt to credit reporting agencies without proper validation, adversely affecting my credit score and financial standing. This action contravenes the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair credit reporting. 

Company : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-10 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: CA

Complaint narrative:
Hi this account was opened fraudulent and called XXXX XXXX and told them that this account was fraudulent and they couldn't help me. please remove this XXXX XXXX XXXX account on my credit reports. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation