vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
At XXXX XXXX received call from credit corp on my credit report told me they had access to my credit cards and bank illegally without court order and wanted money for bought debt sold to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : After looking at my credit report, my personal data. The following things are not accurate, not mine, and need to be removed from my credit report : *NOTE*Any recited Personal Identifier information NOT as mandated as above detailed I do NOT avow is adequately truthful, correct, timely, unabbreviated, verifiably valid nor else wise certifiably compliant in its adequate lawful mandated reporting process ( es ) and or with in the precise and full adherence to the mandatory format of reporting standard, namely Metro 2 Compliant delinquency event ( s ) and or derogatoriness ( es ) equally is NOT ASSUMED precise VALID and CERTIFIED COMPLIANT in its reporting nor format of reporting so eradicate any such unsampled claim, veracious or not. 


I DEMAND to have believed claims demonstrated as descriptively and correctly substantiated in full truth, accuracy, timeliness, completeness, physical verifiability, validity elsewise AND DEMAND that the adequate claim ( s ) are of CERTIFIED COMPLIANT REPORTING PROCESS ( es ) and of the mandated reporting format, i.e. Metro 2 Compliant format standard. FINALLY, DEMAND that any disclosed item of deficiency and /OR of the inability ( or UNWILLINGNESS ) to PROVE EACH claims VALIDITY and/or CERTIFIED COMPLIANT REPORTING yield an immediate ERADICATION of claims derogates, if any! COMPLIANT REPORTING of irrebuttable VALID claims is the REQUIREMENT, NOT OPTION, for lawful ethical reporting polices, ENSURE YOUR OF COMPLIANCE. 


This is a formal dispute of the personal information listed below, please remove this off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. 
Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner, that would be better. 
Thanks in advance and dont work too hard. I appreciate all that you do. 
Please remove this off my credit report : personal identifiers CERTIFIED COMPLIANT REPORTING PROCESS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
As of today, XX/XX/XXXX, I have not received the lien release from a confirmed XX/XX/year> payoff on a loan for a XXXX  XXXX. I have made multiple inquiries but have received no answer beyond that I " should '' receive the lien release within 10 business days following payoff. To be clear, TD Auto Finance never answered my question. Saying I " should '' receive something is not a commitment. 

I attach. XXXX. Email dated XX/XX/year> acknowledging receipt of payment. XXXX. XX/XX/XXXX online response of TD Bank saying I should expect to receive the lien release within XXXX business days of payoff. XXXX. XX/XX/year> online response of TD Bank acknowledging that payoff occurred on XX/XX/year> and that I should receive the lien release within 10 business days of XX/XX/year>. XXXX. XXXX XXXX Printout showing title not released as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX I tried to log in to my banking account, which at the time was already lock and had to call and get it unlock 2 times before and after the 3rd time of my account being lock I called and was told the account was closed.so I called the number that was given to me and spoke with someone and then was told it was the account was closed do to fraudulent activity when the account was just open on XXXX XXXX and can't release my funds do to it being reviewed and I have to come back in two businesses days to check if there has been a note place saying the funds can be release after already being told that there has been a note place saying the funds can be release

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Citibank Fraud Prevention Department, My name is XXXX XXXX XXXX XXXX, and I am writing to urgently request assistance regarding a security lock placed on my Citibank checking account ( Account Number : XXXX ). Three days ago, while attempting to perform a XXXX transaction, my account was suddenly locked due to a security concern. 

Since then, I have made multiple attempts to contact Citibank Support and speak with supervisors to resolve the issue. Unfortunately, I have not been successful in verifying my identity through the phone number verification process. l 've tried verifying with both my personal and business phone numbers, including : XXXX ( XXXX, XXXX ) A business line also under XXXX Both numbers were recently ported over from XXXX to XXXX, but they have been registered in my name for years. Despite this, the system continues to state they are " unable to verify '' or " not being in public record. '' This has become a critical emergency, as I am currently unable to access my funds. I have urgent bills and rent that need to be paid, and this lock is causing significant distress and disruption to my life and I please request resolution. 

My address on file is : XXXX XXXX XXXX XXXX, XXXX, FL XXXX I am attaching relevant documentation to verify my identity and phone number ownership, and I kindly request that this matter be escalated and resolved as soon as possible. 
Thank you for your attention and support. 
Sincerely, XXXX XXXX XXXX XXXX Phone : XXXX Email : 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I have closed my account with XXXX XXXX  and have filed for contributory reasons related to this closure. My account with XXXX was closed and the relevant details have been updated by the bank because of fraud and I had the account for a long time. 

I would appreciate it if you could reflect this update in your records. Please ensure that this information is accurately reflected, and kindly let me know if you require any additional documentation or further details to complete the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio Recovery Associates , LLC is attempting to collect a debt from me in Minnesota without being licensed to do so. According to XXXX XXXX XXXX ( XXXX ID : XXXX ), they do not have a Minnesota Collection Agency License, which is required under Minnesota Statute 332.33. 

Despite this, they have been calling me repeatedly every day trying to collect this debt. Their actions are illegal, harassing, and a violation of Minnesota law. I am requesting that the CFPB investigate and require them to cease all collection efforts against me and any other Minnesota residents until they are properly licensed. 

Supporting evidence is attached showing they are not licensed in Minnesota.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian Legal po box XXXX XXXXXXXX XXXX  XXXX Subject : Request for Immediate Removal or Correction of Negative Information Under Section 605-B of the FCRA To Whom It May Concern, I am writing to formally request the immediate removal or correction of certain negative information on my credit report under the provisions outlined in Section 605-B of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any negative information that has been reported for longer than seven years must be removed from a consumers credit report. 
Disputed Information Account Name : Account Number : Open-XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments, charge-offs, collections, etc Date of First Delinquency/Negative Report : Date of first delinquency As per Section 605-B of the FCRA, I believe that the information in question is outdated and should have been removed after the allowable reporting period of seven years. I respectfully request that you remove this information from my credit report immediately, as you are required to do by law.

Request for Immediate Action By law, I expect you to process and remove this inaccurate or outdated information within 3 to 4 business days. It has come to my attention that Experian is currently being sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate and remove inaccurate information from consumer credit reports. I expec tEquifax/TransUnion to fully comply with FCRA regulations and avoid similar violations. 
If this request is not processed in the required time frame, I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing other legal remedies. 
Please send me a written confirmation once the action has been taken and provide an updated copy of my credit report reflecting the corrections. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern : Subject : Request for Investigation of Inaccurate Mortgage Account Information I am writing to dispute a mortgage account listed on my credit report. I am requesting a reinvestigation into the accuracy and completeness of the information being reported. The details of the account are as follows : Creditor Name : XXXX XXXX Account Type : Mortgage The information currently reported does not align with my records and may no longer be accurate. I respectfully request that your office conduct a reinvestigation of this account, as required by the Fair Credit Reporting Act, and update or remove any information that can not be verified as accurate and current. 

Please find enclosed a copy of my identification and proof of address. 

I look forward to receiving the results of your investigation in writing. 

Sincerely, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern : Subject : Request for Investigation of Inaccurate Mortgage Account Information I am writing to dispute a mortgage account listed on my credit report. I am requesting a reinvestigation into the accuracy and completeness of the information being reported. The details of the account are as follows : Creditor Name : XXXX XXXX Account Type : Mortgage The information currently reported does not align with my records and may no longer be accurate. I respectfully request that your office conduct a reinvestigation of this account, as required by the Fair Credit Reporting Act, and update or remove any information that can not be verified as accurate and current. 

Please find enclosed a copy of my identification and proof of address. 

I look forward to receiving the results of your investigation in writing. 

Sincerely, XXXX XXXX SSN : XXXX DOB : 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