vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-29 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate, misleading, and/or unverifiable information on my credit report as maintained by [ Credit Bureau Name ] , in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

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 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Deposited check on XX/XX/year>. Hold was immediately placed stating confidential information that the check will be returned. Spoke with XXXX  issuer. There are no holds or insufficient funds on his end.

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 2025-03-29 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: PA

Complaint narrative:
Transunion, equifax, and Experian have all been told to remove Any collections or fraud on my credit report. They were all provided with necessary documentation that was notarized and sealed and a police report regarding the matter there should be no accounts on my credit aside from the accounts I just recently opened. They need to remove all collections that were fraudulent accounts they are reporting fraud and keep lowering my score

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 2025-03-29 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:
Transunion, equifax, and Experian have all been told to remove Any collections or fraud on my credit report. They were all provided with necessary documentation that was notarized and sealed and a police report regarding the matter there should be no accounts on my credit aside from the accounts I just recently opened. They need to remove all collections that were fraudulent accounts they are reporting fraud and keep lowering my score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I used my Barclays credit card and purchased a gym membership subscription witXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on XX/XX/year>. I went to my local XXXX XXXXXXXX XXXX to use my subscription but the XXXX XXXX XXXX wouldn't honor my subscription and said they don't accept XXXX XXXX XXXX subscription anymore. XXXX. I have used the XXXX XXXX XXXX subscription to access XXXX XXXX XXXX XXXX  for many months prior to this day XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX ) to ask for a refund since I am not able to receive a service that I paid for but didn't get a refund. Finally I disputed the transaction with Barclay Card stating the above mentioned facts but now Barclay Card is saying the merchant responded with their cancellation policy and my dispute is invalid. I disputed the charge because I wasn't able to receive the service that I paid for not because I wanted to cancel. This should serve as a caution for anyone using Barclay Card to make any purchases.

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 2025-03-29 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one send over my information to a collection department in which Im making payments to every month from that date till. Now I see that capital one still sending that I I have late payment to my credit bureau. And thats not true. I call capital one to verify why they still reporting my accounts that I have late payments to my credit bureau. Capital one answer was they dnt have my account anymore since 2 years now and I should call that! collection company that as my account.! I said that is why you should not report late payment on my account I dnt do business with you anymore. Plus i have records from my bank statements that I never late since that collection company take over! This very much misinformation and that they need to remove those late payments off my report! If u need further prove I will show it! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: MI

Complaint narrative:
How is this account reporting while the United States Bankruptcy Court reports to no one If you can not provide proof of who actually provided this information to you and show me paperwork. please delete it.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at DEPT OF ED/XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened aXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$670.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-29 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: SC

Complaint narrative:
This acct. XXXX XXXX  is inaccurate. Previous dispute bureau stated they sent out info. and I will receive it within 7 days. I have not received anything. This is a violation of many FCRA.

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 2025-03-29 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: Early Warning Services, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Dear XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report I NEVER opened or use any following account numbers. 

Bank : XXXX XXXX ( Open Date XX/XX/XXXX ) Account # XXXX Routing # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Date Open XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX  : XXXX XXXX  ( Open Date XX/XX/XXXX Account # XXXX Routing # XXXX Bank : XXXX ( Open Date XX/XX/XXXX ) Account # XXXX Routing # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Open Date XX/XX/XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question The report shows that I was suspected of fraudulent activity and I was the victim of a scam and not the perpetrator. 
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I am requesting the following information to be deleted from my early warning consumer IMMEDIATELY Ive attached a copys of the report to this request. 



Thank You for your assistance Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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 disputing inaccurate information on my credit reports and requesting an immediate investigation. Specifically : XXXX ) XXXX XXXX XXXX ( Account No. XXXX ) This account is fraudulent and incorrectly reported as an individual collection account with a past-due balance of {$1500.00} as of XX/XX/XXXX, despite the last status update being in XX/XX/XXXX. 

XXXX ) Hard Inquiry from XXXXXXXX XXXX XXXX XXXX inquiry was recorded on XX/XX/XXXX, which I do not recognize or authorize. 

I request Experian to thoroughly review all supporting documents I have submitted, including my affidavit, FTC report, ID, proof of address, and Social Security card, and take the necessary steps to correct or remove these inaccuracies. Additionally, I ask for a written response detailing the outcome of the investigation and an updated copy of my corrected credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: ND

Complaint narrative:
I am filing a formal complaint against Experian and XXXX XXXX XXXX ( XXXX ) for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I disputed this collection account with all three credit bureaus ( Experian, XXXX, and XXXX ). 
The account was removed from XXXX and XXXX, but Experian reinserted the account without providing proper notice as required under FCRA XXXX ( a ) ( XXXX ) ( B ). 
I never received any debt validation from XXXX XXXX XXXX despite sending a formal validation request over 30 days ago. Under FDCPA 809 ( b ), they are legally required to validate the debt before continuing collection efforts or reporting to credit bureaus.

APR also failed to send me the legally required notice within five days of first reporting the debt, violating FDCPA 809 ( a ). 
Additionally, Experians reporting of this account is misleading and inaccurate, violating FCRA 1681s-2 ( b ) : The balance increases by {$1.00} every three months without explanation, suggesting unlawful fees or interest on a collection account.

There is no Date of First Delinquency ( DOFD ) listed, which is required under FCRA 623 ( a ) ( 5 ) to prevent re-aging.

The account was previously deleted from two bureaus, yet Experian continues to report it without valid documentation.

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 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX DC XXXX Re : Dispute of Credit Report Entry : Late Payments To whom it may concern at The CFPB : I am writing to formally dispute a debt entry appearing on my credit report from credit reporting agencies XXXX, XXXX, and XXXX, which is being reported by M & T Bank for the account ***. The entries in question reflect a closed account that is inaccurate or removable from credit reporting according to : 15 U.S.C. 1681 ( a ) 15 U.S.C. 1681 ( 4 ) 15 U.S. Code 1665d XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request that you investigate this matter under the Fair Credit Reporting Act ( FCRA ) and remove this entry from my credit report in accordance with the federal statutes and case law cited. 

Please find the details of the dispute below : Account Number : ** Creditor M & T Bank M & T Bank XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Date of the Reported Debt : XX/XX/XXXX To assist in your investigation, I am including records of credit report entries and records of account payment to the creditor M & T Bank. I have also included proof of identity and proof of address. 
As required by the FCRA, I kindly ask that you complete your investigation within 30 days from the date of this letter. As a result of the federal statutes and case law cited, I request that the records of late payments be removed from my credit report and any negative impact on my credit score be corrected. 
Please notify me in writing once your investigation has been completed and the matter has been resolved. 
Thank you for your prompt attention to this issue. Please respond within XXXX business days. 
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 explanation