vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
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 and Experian credit reporting agency XXXX 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 credit card account.

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.

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 2025-04-15 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : NR/SMS/CAL XXXX XXXX {$260000.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$9800.00} - XXXX XXXX XXXX XXXX BALANCED {$6500.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX BALANCED {$260000.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$9800.00} - XXXX XXXX XXXX XXXX BALANCED {$6500.00} XXXX XX/XX/XXXX XXXX XXXX BALANCED {$260000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$9800.00} - XXXX XXXX XXXX XXXX BALANCED {$6500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : NR/SMS/CAL XXXX XXXX {$260000.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$9800.00} - XXXX XXXX XXXX XXXX BALANCED {$6500.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX BALANCED {$260000.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$9800.00} - XXXX XXXX XXXX XXXX BALANCED {$6500.00} XXXX XX/XX/XXXX XXXX XXXX BALANCED {$260000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$9800.00} - XXXX XXXX XXXX XXXX BALANCED {$6500.00} XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-15 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: EdFinancial Services
State: PA

Complaint narrative:
While I was XXXX  in XXXX and XXXX XXXX XXXX  between XX/XX/XXXX through XX/XX/XXXX, someone applied for financial aid in my name and received roughly {$16000.00}. This person has been attending college under my name and social security number for almost three years. I did no t authorize nor had any knowledge of this until I was XXXX XXXX XXXX XXXX  and learned about these four accounts through credit building applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-04-15 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Name : - XXXX XXXX XXXX XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX -Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Name : - XXXX XXXX XXXX XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX -Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-15 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Received phone call from XXXX XXXXXXXX XXXX XXXX company at XXXX eastern time XXXX. Representative did not state call was an attempt to collect a debt. Requested in writing proof of debt and they advised only communication they provide is via email. And the previous communication sent in writing and they did validate was se to a old address i have not lived at in years. Requested once more to have proof sent to my current address. Representative said they would be sending me a subpoena for court and I can answer that way or we can settle outside of court. Of course in a panic i worked out a payment agreement, but I am not comfortable cause I have yet to see anything confirming they own the debt or correct validation I am entitled to. Additionally the only debt letter i received is not formatted correctly with settlement amounts and total owed in wrong places.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: SC

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the regulations governing the collection, sharing, and use of consumer credit information are not upheld. Under the FCRA, consumer reporting agencies ( CRAs ) are required to take reasonable steps to ensure the accuracy of information in credit reports. If a consumer experiences financial harm due to an FCRA violation, they have the right to pursue legal action against the CRA for actual damages, statutory damages, and attorneys fees. The accounts mentioned in my letter contain inaccuracies, and I am requesting a comprehensive investigation to address and correct these issues.

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of america has fraudulently decided not to cashed a XXXX XXXX XXXX  cause they didn't feel like it, check was from a insurance company XXXX for XXXX XXXX, the employee was very rude and took her time being extra, disrespectful, my check was for XXXX. I get paid every weeks I cashed 4 checks there, last check I received was for XXXX from XXXX XXXX they refused to cash stating if I didn't open a bank account they wouldn't cash my check, I didn't open the account which it cost me {$300.00} at a check cashing place called XXXX XXXX XXXX, Bank of America is doing illegal activities concerning check cashing and their system is not up to date and need to be investigated, 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
Consumer complaint received 2025-04-15 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: Courtesy Loans of Oklahoma LLC.
State: OK

Complaint narrative:
XXXX keeps reporting several od and old accounts from a business Called Courtesy Loans XXXX Loyal Loans, They keep adding extra accounts tied to this account LIke XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. and XXXX, but then they removed the XXXX, all have different amounts owed payments etc, I do know what this account is just some kind of payday loan. The account is also passed the staute of limitations in Oklahoma, Some of the accounts are just blank and duplicated with different amounts etc. Also none of the account meets metro 2 compliance or the FCRA compliance. They are listed in the FTC report and are fraudulent accounts. XXXX keeps refreshing the accounts and it tries to refresh to not abide by the limitations reporting and re-aging the accounts XXXX shows charge off closed collection, with a balance of {$870.00}. 
But does not list a date of removal. All of this is illegal and violations of FCRA. I have asked how they have verified these accounts but they will not tell me anything. They refuse to put the notice of dispute under the accounts.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am requesting the removal of a bankruptcy from my Equifax credit file that is reporting inaccurately and can not be verified. I have attached official documentation from the United States Bankruptcy Court confirming that the court does not report or verify information to credit bureaus. I also submitted a reinvestigation report from XXXX, Equifaxs public record vendor, showing the bankruptcy has been removed and marked as unverifiable.

Equifaxs continued reporting of this record is in violation of FCRA Sections 602, 607 ( b ), and 611. They have failed to provide a valid method of verification and continue to report inaccurate information. I am requesting immediate deletion of this public record and investigation into Equifaxs procedures. 

Attached : Bankruptcy court letter XXXX reinvestigation results My dispute letter Government-issued ID and proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CT

Complaint narrative:
Creditor Name : XXXX XXXX XXXX Account Number ( Partial ) : * XXXX Equifax : I am writing to formally dispute the accuracy and completeness of an item reported on my Equifax credit report by XXXX XXXX XXXX. This account is listed as an auto loan with an involuntary repossession, and I believe that the current reporting is inaccurate, inconsistent, and misleading, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2. 

Disputed Information : Creditor : XXXX XXXX XXXX Account Number : * XXXX Reported Status : Involuntary Repossession / Installment Loan Reported High Balance : {$15000.00} Account Opened : XX/XX/XXXX Account Closed/Default : XX/XX/XXXX Payment History : Inconsistent, with many months reporting No Data Available or duplicate payment amounts well after the reported default date. 

Basis for Dispute : Inconsistent Payment History : The credit report shows repeated monthly balances ( e.g., {$3200.00}, {$3200.00}, {$3100.00} ) through XXXX, despite the account being closed in XXXX and marked as repossessed. These entries are misleading. 

Duplicate High Balance : The report continues listing a high balance of {$15000.00} from XXXX through XXXX, without showing accurate reductions, resolution, or charge-off details. 

Missing Payment Dates : Several months are marked as " No Data Available, '' which is incomplete reporting under the FCRA. 

Involuntary Repossession Details Incomplete : The report does not reflect the date or legal documentation regarding repossession, deficiency balance ( if any ), or disposition of the asset, violating the FCRAs requirement for complete and accurate information.

Request for Action : I request that Equifax initiate an investigation into this account under the FCRA. 

If XXXX XXXX XXXX can not verify the complete and accurate status of this account within 30 days, I request that it be deleted entirely from my credit report. 

Please provide me with written results of your investigation, along with an updated copy of my credit report.

Company response to consumer: Closed with explanation