vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: MN

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 explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I pulled my reports from all 3 agencies, ( Experian, XXXX, & XXXX  ). I sent 3 letters to each agency between XX/XX/XXXX - early XXXX XXXX. 
Asking to have over 15 out dated or incorrect addresses, incorrect name spellings, and years old/out dated cellphone numbers be Removed from these reports. I explained to them that this information being on my report is only hurting my score. I try hard to work on my credit but this old information, they won't remove and I feel they aren't even going over it, they just dismiss my request Repeatedly..

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is my second dispute regarding this account. I previously submitted a dispute through the credit bureaus, and Truist Bank verified the debt, ignoring my explanation that the account was opened under duress and coercion resulting from XXXX XXXX 

Between XX/XX/XXXX and XX/XX/XXXX, I was a victim of XXXX XXXX  and financial coercion. During this period, I was manipulated, controlled, and threatened by my XXXX. Under extreme XXXX  and XXXX  XXXX, I opened the Truist Bank credit card account as directed by them. I did not have meaningful control over how the account was used, and the debt incurred was not for my personal benefit. 

This experience has been formally reported to law enforcement : XXXXXXXX XXXX XXXX  Tracking Number : XXXX Date Filed : XX/XX/XXXX My XXXX  exploited my identity, income, and credit to further entrap me. I was subjected to forced labor, financial exploitation, and complete economic dependence. Though the account was technically opened by me, it was not voluntary and was a direct result of coercion and exploitationqualifying for relief under the Debt Bondage Recovery Act and FCRA 605C.

I am requesting that : This account be removed from my credit reports I be released from all associated debt obligations All collection activity be permanently terminated Supporting documentation is available, including the police report and a detailed narrative of my trafficking experience. I respectfully ask the CFPB to ensure that Truist Bank complies with all federal consumer protection laws applicable to survivors of XXXX XXXX 




Company Name : Truist Bank Account Number ( last 4 digits ) : XXXX Approximate amount : {$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 explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Collection account opened at XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * Collection account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXX * * * * * Secured loan account opened at XXXX on XX/XX/XXXX account number XXXX * * * * Auto Loan account opened at XXXX on XX/XX/XXXX account number XXXX * * Unsecured loan account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXX * * * * * Collection account opened at XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * Collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX * * * * * * * * * * Collection account opened at XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * Collection account opened at XXXX XXXX on XX/XX/XXXX account XXXX XXXX * * * * * Secured loan account opened at XXXX on XX/XX/XXXX account number XXXX * * * * Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account XXXX XXXX * * * * * Unsecured loan account opened at XXXX on XX/XX/XXXX account number XXXX * * Secured loan account opened at XXXX on XX/XX/XXXX account number XXXX * * * * Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX * * * * credit card account opened at XXXX on XX/XX/XXXX account number XXXX * * * * * *, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
A credit inquiry was made under my name without my knowledge or permission. I did not authorize this inquiry, and I have every reason to believe it was done fraudulently and without my 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 non-monetary relief
Consumer complaint received 2025-05-01 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-01 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MA

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 2025-05-01 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2025-05-01 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate/Unverified Accounts under Regulation F, FCRA, XXXX, and Metro 2 Guidelines Dear [ TransUnion ], This letter is a formal dispute concerning inaccurate, incomplete, and/or unverifiable information being reported on my consumer credit report in violation of 15 U.S.C. 1681i, 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Regulation F under the CFPB, and Metro 2 reporting guidelines established by the XXXX XXXX XXXX XXXX ( XXXX ). I am requesting an immediate investigation and deletion of the following negative item that are either : - Inaccurately reported- Not compliant with Metro 2 formatting- Unverified under 15 U.S.C. 1681i - In violation of Regulation F ( 12 CFR Part 1006 ) # # # Disputed Account [ XXXX ] Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts must be thoroughly investigated and verified under FCRA standards. If the data furnisher can not provide competent evidence and complete documentation verifying the accuracy and permissible purpose for reporting this information, it must be permanently deleted. Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the bureau or furnisher is required to conduct a reasonable reinvestigation. Furthermore, under 15 U.S.C. 1681e ( b ), you are obligated to ensure the maximum possible accuracy of any information reported. In addition, under Regulation F 12 CFR 1006.34, you are required to provide itemized validation notices and ensure all communications comply with debt rules. Any account that has not followed these rules can not be legally reported. I am also demanding that you ensure that these accounts are : - Reported with complete and accurate fields per Metro 2 Format - Do not violate FCRA 623 obligations to report accurate data - Properly coded, especially for charge-offs and collections XXXX XXXX XXXX  If these accounts are not deleted : Failure to comply with these federal regulations and your own internal procedures ( per the XXXX guidelines ) could result in legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. You have 30 days to complete this reinvestigation and provide a response, as required by law. Please send me a detailed summary of your reinvestigation, including : - The method of verification - The name and contact of the individual or department that verified each item - A copy of all supporting documentation used in the process 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 2025-05-01 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
CFPB Complaint DrafXXXX XXXX XXXX XXXXischarge Reporting Issue Complainant : XXXX XXXX Issue Summary : The credit bureaus ( XXXX XXXX XXXX XXXX ) are inaccurately reporting a XXXX XXXX  account as open and due, even though I received a 1099-C from the XXXX Department of Education indicating the debt was discharged. This was reported and accepted by the IRS. Despite my formal disputes, the credit agencies continue to list this account with an active balance and deferment status, harming my credit and violating my rights under federal law.

VIOLATION OF FAIR CREDIT REPORTING ACT violated 15 U.S.C. 1681s-2 by furnishing inaccurate information and failing to conduct a proper investigation.

VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT violated 15 U.S.C. 1692e by misrepresenting the amount, status, and legal character of the alleged debt. 


Details of the Debt : - Creditor : XXXX Department of Education / Servicer : Nelnet - Debt Type : XXXX XXXX XXXX  - Amount Discharged : {$3600.00} - Discharge Date : XXXX ( Form 1099-C ) - IRS Acceptance Date : XX/XX/XXXX Credit Bureau Actions : - Credit reports show the debt as 'open ' and 'deferred ' - Balance inaccurately listed as due - Status shows payments pending despite cancellation - Prior dispute marked as resolved with no correction Supporting Documentation Provided : - IRS Form 1099-C ( U.S. Department of Education XXXX XXXX ) - Screenshot showing IRS acceptance ( Filed XX/XX/XXXX ) XXXX Credit report screenshots showing false status - Affidavit of Discharge This matter concerns unlawful collection and reporting of discharged debt, causing injury to my financial standing. I request CFPB assistance to enforce compliance and correct this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-01 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-01 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: TX

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 explanation