vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: AZ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
I am writing to dispute an account and several inquiries on my credit report that I believe are the result of a data breach or identity theft. 
Disputed Account : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} TRANSUNION INQUIRY : XXXX XX/XX/XXXX EXPERIAN INQUIRIES XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  INQUIRY : XXXX XXXX on 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 2025-04-10 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TX

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 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 2025-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
Someone opened a XXXX  account in my name and a XXXX XXXX XXXX debt that Im unfamiliar with in my name please help me Ive work to hard for someone to ruin my credit score I dont know who opened it and I dont know how he or she opened it please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
on XX/XX/XXXX XXXX deposited a check of {$5000.00} in my Truist savings via mobile banking which got accepted but a hold was placed on it and was set to be released by XX/XX/year>, like wise I deposited {$50.00} check in my Truist Checking account via mobile banking on XX/XX/year> and a hold was placed on it till XXXX XXXXXX/XX/XXXX, on the said released date the money was all available in my account, but Truist Got the money and refused to release it them saying they feel the check was fraudulent, the issuer Approved the check an his account got debited, but now Truist closed my account and placed all my money in a said Reserve account claiming they are not going to release it, and theyre not going to send it back to the issuing account, i have visited truist bank several times and decided they are not going to give me my money when they have it already and the issuing bank never returned the payment because it was approved by the issuer, Now Truist reported my profile to XXXX XXXX claiming i deposited a fraudulent check which is a lie, Truist is trying to dupe me of my hard earned money, Now all banks claimed they cant open a new account for me because of the XXXXXXXX XXXX. I need help please.

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 2025-04-10 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:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute and Request for Removal of Late Payment Notations Under 15 U.S.C. 1666b, 1681s-2 ( a ), and 12 CFR 1026.13 This letter constitutes a formal dispute of inaccurate and potentially unlawful late payment notations currently being reported on my consumer credit report by [ Creditor or Furnisher Name ], related to the account ending in [ Last 4 Digits ].

After reviewing my account records and applicable federal consumer protection statutes, I have reason to believe that the late payment entries reported to consumer reporting agencies are not only factually inaccurate but also legally unenforceable, based on violations of the Truth in Lending Act ( TILA
) and the Fair Credit Reporting Act ( FCRA ).

1. Violation of 15 U.S.C. 1666b Failure to Provide Minimum Grace Period for Payment Under 15 U.S.C. 1666b, creditors must ensure that any credit card statement reflecting a balance is sent at least 21 days before the payment due date. If the statement was not delivered within this window, any late fee assessment or negative credit reporting tied to that statement may be unlawful.

It is unclear whether the required statement timing standard was met in the billing cycles associated with the reported late payments. If the creditor failed to comply with the minimum 21-day advance notice requirement, any related delinquency reporting is legally defective and should be deleted immediately.

2. Violation of 12 CFR 1026.13 Billing Error Dispute Rights Pursuant to 12 CFR 1026.13, consumers have the right to dispute billing errors in writing within 60 days of the first appearance of the error on their periodic statement. Upon receiving a proper dispute, the creditor must : Acknowledge the dispute within 30 days, and Resolve or investigate it within 90 days ( or two billing cycles ). 
If the creditor failed to properly respond to any disputes I raised in writing concerning incorrect due dates, misapplied payments, or system errors, then continued reporting of a late payment is in violation of Regulation Z and must be removed.

3. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Obligation to Report Accurate Information As required by 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), any information furnished to a consumer reporting agency must be complete and accurate. This statutory obligation includes late payment reporting. If a late payment was reported due to : Misapplied payments ; Failure to honor the 21-day notice ; System, commu
nication, or mailing errors ; or A pending billing dispute under TILA, Then the furnisher is in violation of their statutory duty and must immediately correct or delete the entry.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
FNBO is stating that payment was 30 days late, and reported to credit bureau. 
Payment was not 30 days late. Disputed with XXXX, and creditor is stating that it was 30 days late and failed to provide proof

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 2025-04-10 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-10 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: MI

Complaint narrative:
I never gave this company permission to access or pull my credit report. I did not apply for anything with them, I didnt authorize a credit check, and I have no prior relationship with this business whatsoever. This was done without my knowledge or consent, which makes it an unauthorized and completely unacceptable inquiry. My personal credit information is not free for the taking, and I take unauthorized access to it very seriously.

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On or around XX/XX/year>2024, I visited a XXXX XXXX  with the intent to purchase a vehicle. The sales representative informed me that a {$250.00} hold was required in order to show me the car, but assured me that I would not be charged unless I chose a vehicle and my loan was approved. She said the Loan Process takes same day or up to 2 days. 

However, the vehicle I was interested in and their loan application process turned out to have a six-month wait timesomething that was never disclosed to me, despite my clearly stating that I needed a car that same day. Upon learning this, I told the sales rep I was no longer interested and left without making a purchase. 

A week later, I noticed a {$250.00} charge from XXXX on my account. I attempted to contact the dealership multiple times via phone and email to resolve the issue, but received no response. When I returned to the dealership in person, I was told by a supervisor that the sales representative had been terminated and that I would need to dispute the charge through my credit card provider, Goldman Sachs. 

I also reached out to XXXX XXXX  for support, but unfortunately, I have yet to receive any response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: VA

Complaint narrative:
Our information shows : You had a XXXX XXXX XXXX account with XXXX XXXX Debt XXXX XXXX XXXX with account number XXXX. The current creditor of the account is XXXX XXXX XXXX, XXXX, with account number XXXX. 

The debt was sold to another company violating it's original arbitrary agreement between original parties crown management sold that debt to D & A Services XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Toll Free : XXXX Deepening the arbitrary violation agreement The agreement didn't say it would be sold to another 3rd party which their email specifically said they sold the debt which is a violation of the original agreement and skipping arbitrary standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-04-10 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: Thaxton Investment Corporation
State: TN

Complaint narrative:
I am trying to get a copy of the signed contract my roommate got a loan in my name and this is reporting on my credit and I even called to pay it off and did trying to do the right thing but I wasn't responsible and I'm asking for a copy of the contract for legal reasons and credit report and reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: WV

Complaint narrative:
I submitted a complaint about a problem with a XXXX  XXXX account on my credit that is closed and shows payment history late payments and everything and the payments do not match my history or anything and when I told them I was complaining to cfpb they went on and deleted something else that was helping my credit did not even mess with the capital one that has a balance on it and turned around and dropped my credit score over XXXX points simply because I told them I was going to do a complaint through the cfpb. This needs to stop immediately. They need to take this off my credit it is a XXXX XXXX account like I said that shows a balance there is also a XXXX XXXX that shows no balance. I am pertaining to the account that has a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE THANK YOU. 

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 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