vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: IN

Complaint narrative:
Bought a Mastercard Gift Card for {$200.00} from my local XXXX in XXXX, XXXX  on Saturday XX/XX/year>. 

I haven't purchased anything with it. Tried to buy something to find the card had a {$0.00} balance. Looked at the transaction list on the company website and saw that {$200.00} had been spent on XXXX XXXX. I did not make this purchase. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXX Bank Fraud Department Subject : Urgent Fraud Dispute - Identity Theft Involving Unauthorized Credit Card Account Dear Concora Bank Fraud Department, My name is XXXX XXXX, and I am writing to formally dispute a fraudulent credit card account that has been reported under my name by your institution. I have never applied for or authorized this account and believe I am a victim of identity theft. 
I previously contacted Concora Bank requesting the original signed application, but I have not received any documentation verifying that this account was legitimately opened by me. 
Account Details : - Full Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Page 1 Identity Theft Dispute - Concora Bank - Email : XXXX - Disputed Account : XXXX XXXX - Date Noticed on Credit Report : 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX ). The account shows a recent open date ( XX/XX/XXXX ), but the original delinquency occurred in XXXX. This appears to be a re-aged debt, which is a violation of FCRA 605 ( c ).

I requested validation and supporting documentation under FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), but received no response. I demand this account be removed from my credit file with all bureaus if the information can not be verified as accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX ). The account shows a recent open date ( XX/XX/XXXX ), but the original delinquency occurred in XXXX. This appears to be a re-aged debt, which is a violation of FCRA 605 ( c ).

I requested validation and supporting documentation under FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), but received no response. I demand this account be removed from my credit file with all bureaus if the information can not be verified as accurate and complete.

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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
My business account with XXXX  XXXX XXXX was hacked or someone gained unauthorized access to it and was able to change my password and emails to Zelle themselves over XXXX dollars. I have never give anyone my banking information and no extra verification was done nor did I ever receive any notification of any of these transactions I would like Zelle to investigate this and provide me with the details of that investigation to where I authorized anyone to remove funds from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AZ

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Upon reviewing my credit report, I've identified an inconsistency where my credit information is not being reported to all three major credit bureaus. I have contacted creditors multiple times regarding this discrepancy. Each time, I've been directed to contact the credit bureaus directly, and subsequent communication with the bureaus has redirected me back to the creditors. This issue has persisted for approximately one year, and I am seeking a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I notice multiple inaccuracies on my credit report. Only two of the three credit bureaus show the amount XXXX from Midland Credit # XXXX which does not comply with the demand of the FCRA. I requested written debt information by phone and by a written letter. First letter I sent out was a debt verification letter and did not receive a response. A second attempt was made through a written cease and desist letter and still no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: PA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent account that do not belong to me and continue to report unverifiable information. 

This conduct is in direct violation of federal law and my consumer rights. The account listed below was opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Pennsylvania State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 

This account is fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove this account immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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 XXXX Balance Owed : {$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 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 XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$270.00} XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-30 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: GA

Complaint narrative:
I am writing to formally demand the immediate deletion of several accounts that have been improperly re-inserted on my Experian credit report in blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

These accounts were previously disputed and successfully removed from my credit report. They have now appeared again without any notification, without required certification of accuracy from the furnishers, and without the legally required 5-day written notice to me. This constitutes an unlawful re-insertion and subjects Experian to liability. 

Re-inserted Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Collection account. Furthermore, this account is a collection. Furthermore, I am requesting that this company sends me the original signed contract and NOT a copy, a chain of title, your errors and omissions policy number, proof that you are licensed to be a debt collector in the state of Georgia and any documentary evidence as defined under 15 U.S. Code 1692. 

XXXX XXXX XXXX XXXX Charged-off credit card XXXX  Paid account with disputed late payments XXXX  XXXX Charged-off secured card XXXX  XXXX ( Business Card ) Charged-off account XXXX  XXXX ( Personal Card ) Charged-off account All of these accounts were previously deleted from my Experian report. The recent reappearance of these accounts is unlawful, damaging, and actionable under federal law. 

You are in violation of the following section of the FCRA : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) A consumer reporting agency may not reinsert deleted information unless : ( i ) the furnisher certifies that the information is complete and accurate ; AND ( ii ) the consumer reporting agency provides written notice to the consumer within five ( 5 ) business days of reinsertion.

No such certification has been provided to me, nor have I received any written notice from Experian regarding these reinsertions.

Demand for Action : I am demanding the immediate and permanent deletion of the accounts listed above.

I further demand a full reinvestigation and compliance audit regarding these unlawful reinsertions.

I require a written confirmation from Experian within 15 calendar days of receipt of this letter that these accounts have been permanently deleted.

Potential civil action for damages under FCRA 1681n and 1681o.

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 2025-05-30 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: NC

Complaint narrative:
Absolutely here is a revised version of your CFPB complaint that directly addresses Equifax, XXXX, and XXXX  under the FCRA 611 ( a ) ( 7 ) and highlights their collective failure to provide a Method of Verification ( MOV ) : Complaint Description : I am filing this complaint under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 7 ) ) against Equifax, XXXX, and XXXX  for failing to provide a legally required Method of Verification ( MOV ) after I disputed a late payment reported by XXXX XXXX. 

Each of these credit bureaus claimed the account had been verified following my dispute. However, none of them have provided the required information detailing how the verification was conducted, including the name and contact information of the party who verified the tradeline, or the procedures used to confirm the accuracy of the information. 

This late payment is inaccurate and is a direct result of Discovers flawed identity verification process, which is already the subject of multiple complaints filed with the CFPB, FTC, XXXX  Attorney General, and XXXX. The reporting of this account is inconsistent across the bureaus, with Equifax reflecting a XXXX drop in my score while the other two do not further supporting the lack of reliable verification.

Under FCRA 611 ( a ) ( 7 ), I am exercising my right to receive a detailed method of verification. If the bureaus are unable to provide this documentation, I am requesting that they immediately delete the XXXX XXXX  from all three credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
Absolutely here is a revised version of your CFPB complaint that directly addresses XXXX, Experian, and XXXX  under the FCRA 611 ( a ) ( 7 ) and highlights their collective failure to provide a Method of Verification ( MOV ) : Complaint Description : I am filing this complaint under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 7 ) ) against XXXX, Experian, and XXXX  for failing to provide a legally required Method of Verification ( MOV ) after I disputed a late payment reported by XXXX XXXX. 

Each of these credit bureaus claimed the account had been verified following my dispute. However, none of them have provided the required information detailing how the verification was conducted, including the name and contact information of the party who verified the tradeline, or the procedures used to confirm the accuracy of the information. 

This late payment is inaccurate and is a direct result of Discovers flawed identity verification process, which is already the subject of multiple complaints filed with the CFPB, FTC, XXXX  Attorney General, and XXXX. The reporting of this account is inconsistent across the bureaus, with XXXX  reflecting a XXXX drop in my score while the other two do not further supporting the lack of reliable verification.

Under FCRA 611 ( a ) ( 7 ), I am exercising my right to receive a detailed method of verification. If the bureaus are unable to provide this documentation, I am requesting that they immediately delete the XXXX XXXX  from all three credit reports.

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 2025-05-30 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: NC

Complaint narrative:
Absolutely here is a revised version of your CFPB complaint that directly addresses XXXX, XXXX, and TransUnion under the FCRA 611 ( a ) ( 7 ) and highlights their collective failure to provide a Method of Verification ( MOV ) : Complaint Description : I am filing this complaint under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 7 ) ) against XXXX XXXX, and TransUnion for failing to provide a legally required Method of Verification ( MOV ) after I disputed a late payment reported by XXXX XXXX. 

Each of these credit bureaus claimed the account had been verified following my dispute. However, none of them have provided the required information detailing how the verification was conducted, including the name and contact information of the party who verified the tradeline, or the procedures used to confirm the accuracy of the information. 

This late payment is inaccurate and is a direct result of Discovers flawed identity verification process, which is already the subject of multiple complaints filed with the CFPB, FTC, XXXX  Attorney General, and XXXX. The reporting of this account is inconsistent across the bureaus, with XXXX  reflecting a XXXX drop in my score while the other two do not further supporting the lack of reliable verification.

Under FCRA 611 ( a ) ( 7 ), I am exercising my right to receive a detailed method of verification. If the bureaus are unable to provide this documentation, I am requesting that they immediately delete the XXXX XXXX  from all three credit reports.

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