vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-26 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I was charged over XXXX dollars for one year for my overdraft fee and the amount of money that was taken from my account was not even allowed for the transaction fee to begin with I am a well known customer and have no overdraft charge for my account so this was a mistake but it will not be given back to me I have spent more money on this than any other transaction fees over my entire life so please help .this money could have helped put food on the table for my kids. And these charges were made by the banks decision making it overdraft to my account I never asked them to pay or cover the payment for my account. This is fraud and they are trying to scam me for money that I didnt even have to pay for the transaction but they did it and they also charged me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have not authorize these or neither did I create none of these accounts that is on my credit report and is effective to my score. It isnt fair because I have no consent to these and they need to be removed permanently off my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, XXXX, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX  ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-25 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: LEXISNEXIS
State: KS

Complaint narrative:
Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX LEXISNEXIS XXXX XXXX XXXX XXXX XXXX XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, This letter serves as my formal request to investigate and remove inaccurate, derogatory, or unauthorized accounts and items listed on my LexisNexis consumer report.

Upon reviewing my report, I have identified multiple errors and disputed entries. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., LexisNexisas a consumer reporting agency under 15 U.S.C. 1681a ( f ) is obligated to ensure all data in consumer files is accurate, verifiable, and not outdated or misleading. 

In particular, I call your attention to the following obligations under federal law : To follow reasonable procedures to ensure maximum possible accuracy in reporting ( 15 U.S.C. 1681e ( b ) ) ; To properly investigate disputed information ( 15 U.S.C. 1681i ) ; To only furnish consumer reports for legitimate and permissible purposes ( 15 U.S.C. 1681b ) ; To provide complete disclosures of consumer files upon request ( 15 U.S.C. 1681g ). 


Accordingly, I request that you provide documented and verifiable evidence ( such as an original contract or any document bearing my wet ink signature ) to support the accuracy and legitimacy of the accounts and items in question. If you are unable to verify these entries, you are required under the FCRA to delete them from my report. 

For your convenience, I have included a detailed list of the disputed entries as Exhibit A. These items are neither authorized nor accurate and must be removed promptly. 

Once your investigation is complete, please provide : A written summary of the methods and procedures used ; The name and contact information of the representative who handled the dispute ; An updated copy of my consumer report reflecting all corrections. 


For identity verification purposes, I have enclosed copies of my government-issued ID and Social Security card . This letter has been sent via certified mail to document compliance with the FCRAs 30-day investigation requirement. 

Thank you in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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 reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX TX XXXX Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my EXPERIAN credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from 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  I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
I discovered multiple inaccurate and unverifiable negative items reporting on my credit report with TransUnion, Experian, and Equifax. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts are reporting with incorrect balances, outdated or misleading statuses ( e.g., charge-offs, collections ), and no documentation to prove their accuracy or legitimacy. 
On or around XX/XX/year>, I reviewed my TransUnion credit report and noted : A collection reported by XXXX XXXX XXXX XXXX XXXX with a balance of {$8200.00} for XXXX XXXX. 
A XXXX XXXX XXXX collection for {$1000.00} related to XXXXXXXX XXXX 
A closed XXXX XXXX XXXX XXXX account previously charged off. 
I sent multiple formal disputes by certified mail to all three credit bureaus under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically citing Sections 609 and 611. I also invoked Metro 2 compliance standards, demanding that all data be verified using proper coding and legal documentation. I requested original signed contracts or agreements to validate each debt.

None of the credit bureaus provided the required source documentation. In some cases, the bureaus marked the items as verified without proving their accuracy or permissible purpose. This is a direct violation of my consumer rights. 
In addition, I requested the removal of outdated addresses that were incorrectly tied to old accounts. I also disputed several unauthorized hard inquiries that were made without my knowledge or permission, which violate FCRA Section 604.Despite my good-faith efforts to resolve these issues, the accounts remain on my report and are severely damaging my credit score and ability to obtain housing or credit. I have also submitted a hardship-based forgiveness letter to the collection agency due to financial difficulty, unemployment, and housing instability, with no response to date

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 2025-05-25 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: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have not authorize these or neither did I create none of these accounts that is on my credit report and is effective to my score. It isnt fair because I have no consent to these and they need to be removed permanently off my credit history.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian reinserted a fraudulent tradeline tied to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) multiple times after deleting it. They never gave proper notice under FCRA Section 611 ( a ) ( 5 ) ( B ), falsely claimed the account was verified with new info, and even accused me of material misrepresentation with no documentation. They also reported false late payments on a civil judgment, damaging my credit further. 
XXXX XXXX, the original creditor, acknowledged the account should be deleted in a XXXX dispute, but Experian still reinserted it. 
Im uploading a detailed letter outlining everything. I am preparing to file a {$10000.00} lawsuit. This complaint is to support that and request full removal. EXPERIAN ALREADY HAS SUPPORTING DOCUMENTS ON FILE WITH PRIOR DISPUTES FROM CFPB. This complaint is about unlawful reinsertion and FCRA Violations following those submissions. I will attach any new information Experian may not have, such as my new fraud affidavit and Original Creditor XXXX response.

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 2025-05-25 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: OH

Complaint narrative:
Stuff is being reported on my credit wrong I need it removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: OH

Complaint narrative:
Stuff is being reported on my credit wrong I need it 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
According to the FCRA account the account named, XXXX XXXX XXXX XXXX XXXX XXXX has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for. 

Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation