vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section XXXX of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA XXXX and XXXX for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX LexisNexis XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : Request to Remove Inaccurate Personal Information and Update Consumer Report Dear LexisNexis XXXX XXXX, I am writing to formally dispute inaccurate personal identifying information appearing on my consumer report issued by LexisNexis. My correct and current information is as follows : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Upon reviewing my report, I noticed that it contains incorrect and outdated names and/or addresses that do not belong to me. I am requesting that LexisNexis immediately delete all inaccurate or unverifiable personal identifiers from my consumer file and retain only the information listed above as accurate. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, under XXXX U.S.C. XXXX ( a ), you are obligated to reinvestigate any disputed information and correct or delete any data found to be inaccurate, incomplete, or unverifiable. 

Please send me an updated and corrected copy of my consumer report once these changes have been made, reflecting the removal of all erroneous names and addresses. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX ) : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your 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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
Please consider this a formal request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX, for full validation and verification of this debt, including all documentation supporting your legal right to collect it. 
Additionally, pursuant to XXXX U.S.C. XXXX ( c ), I am exercising my right to request that you cease all further communication with me regarding this debt until the requested validation is provided. 
Specifically, I am requesting the following : XXXX XXXX, including : The amount of the alleged debt ; The name and address of the original creditor ; A complete itemized accounting of the alleged debt and how the amount was calculated. 
Proof of Assignment or Legal Ownership, including : A copy of the original contract or agreement bearing my signature ( if applicable ) ; Documentation demonstrating that the alleged debt was legally assigned or sold to your agency ; The complete chain of title for the debt, showing ownership from the original creditor to your agency. 
Proof of Your Legal Authorization, including : Evidence that you are licensed or otherwise authorized to collect debts in the state of [ Your State ] ; Any license or registration numbers applicable to your collection activity in my jurisdiction. 
Under XXXX U.S.C. XXXX ( b ), you are required to cease collection efforts until this debt is properly validated. Under XXXX U.S.C. XXXX ( c ), I am further requesting that you cease all communication with me unless and until you provide proper validation of this debt. 
If you can not provide all requested documentation, you must immediately stop all collection efforts and cease any reporting to the credit bureaus. 
Please respond to this request in writing only. I also request that all future communications regarding this matter be made in writing and sent to the mailing address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: NH

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX XXXX CARD # XXXX -Date Opened XX/XX/XXXX XXXX CARD # XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year>, I walked in to XXXX XXXX XXXX as a new patient.The reason I visited a new dentist was because my previous dental provider failed to help me address my concerns.Upon my arrival I was treated well by the staff and swiftly got the new patient package ( x-rays, cleanings the whole XXXX ) and before we discussed the issues at hand we spoke about a treatment plan and costs. That was when I was told about my out-of-pocket responsibility and offered a program offered to all new patients where they are elegible for a XXXX month interest free period. While this individual ( who Im assuming is the owner of the establishment ) tries to sway me to consent, he proceeded to tell me that the approval process could result in a soft inquiry on my credit report. Turns out, I was signed up for a line of credit, credit card and my responsibility was sold to a collector! This resulted in my credit absolutely tanking! None of this was mentioned and I think it was a very predatory for the staff at XXXX to convince patients to consent to sign up for credit cards without being explicit.

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 2025-10-08 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: IN

Complaint narrative:
On XX/XX/year> Transunion wrote a letter to me explaining that XXXX of the third parties that they sell our information to leaked my personal Social Security Number and Date of Birth. But no worries they offered to freeze my credit. lol. And while they say no core information was included in the leak, isn't my SOCIAL SECURITY NUMBER AND DATE OF BIRTH THE CORE INFORMATION OF CREDIT? I have called them numerous times but still keep getting their third party call centers and not a live transunion employee. Who is going to help WE THE PEOPLE? These are fiduciary 's in the public trust. They have caused harm damage and loss to me and my family. This has cost me well over XXXX dollars in harm damage and loss.

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 2025-10-08 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: NM

Complaint narrative:
Your agency is in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards by continuing to report inaccurate and unverified information on my credit file.

1. Late Payment Remark : The reported late payment is false, unverified, and constitutes a billing error in violation of 15 U.S.C. 1666 ( b ) and FCRA 1681s-2 ( a ) ( 1 ), which prohibits furnishing data known or reasonably believed to be inaccurate. The account history clearly reflects on-time payments, and continued reporting of this derogatory remark represents willful noncompliance.

2. Unauthorized Inquiry : An inquiry was made on my credit file without my knowledge or written authorization, violating 15 U.S.C. 1681b ( a ) ( 2 ), which requires a consumers explicit consent before a report is furnished. This constitutes an unauthorized access to my private financial data and must be deleted immediately.

3. Unverified / Outdated Personal Information : My report includes inaccurate, obsolete, or unverifiable personal identifiers ( including old addresses or names ), which violates FCRA 607 ( b ). Consumer reporting agencies are legally required to maintain maximum possible accuracy. Outdated or mixed personal information poses a privacy and data integrity risk, especially following multiple national data breaches. 

Please see the attached letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$620.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX NOTIFIED ME THAT TARGET WAS SUING FOR UN PAID BALANCE ON MY ACCOUNT. Twice I called number on the letterhead and both times I voiced info requested. All I heard was music after XXXX minutes ( XX/XX/XXXX XXXX XX/XX/XXXX ). The email found on the letterhead I addressed did not provide info from the law office either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-08 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX  % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One charged my account over XXXX times within approximately XXXX month for a rejected check initiated by XXXX XXXX that I did not authorize. Each time XXXX re-presented the same item, Capital One assessed new fees, which pushed my account into overdraft and led to its closure without notice. I reported the unauthorized activity within XXXX days, but Capital One failed to block further debits, reverse the fees, or provide provisional credit while investigating. When I finally reached customer service from overseas, I was transferred between XXXX representatives during a XXXX call. XXXX of those agents told me my account was already closed and not reversible, while a XXXX later contradicted that and said the final decision would follow the dispute. I have bank statements showing the repeated XXXX attempts and Capital Ones fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 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
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Please correct or remove inaccurate personal information on my credit report. Under the FCRA, only accurate and verifiable data may be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-10-08 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX  % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ygrene Energy Fund Inc.
State: CA

Complaint narrative:
I would like to know whom I can speak with regarding this loan. I am also requesting copies of any documents that were signed, as I have concerns that predatory practices may have been involved in this loan. My address is XXXX XXXX XXXX. The house has been on a reverse mortgage, and no payments have been made to anyone. I need all the paperwork from when we got the house to now. Something is not right. I am paying over {$20000.00} per year in taxes.

Company response to consumer: Closed with explanation