vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries

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 2025-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 


* * Early Warning Services , LLC * * [ Early Warning Legal Department Address ] XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Subject : Demand for Immediate Removal of Non-Consensual Consumer Reporting Under [ Relevant State/Federal Law ] * * To Whom It May Concern, I am writing to formally demand the immediate removal of all my personal and financial information from your databases under [ relevant consumer protection law, e.g., * * Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, or state law ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil Code 1785.1 * * ].

It has come to my attention that your company has reported or shared my information with banking consumers * * without my prior written consent * *, in violation of : 1. * * FCRA 1681b ( a ) ( 2 ) * * Permissible purposes for consumer reports require consent or a legitimate business need.

2. * * [ State Consumer Law, if applicabl
e ] * * Many states require explicit consent for credit/consumer reporting.

# # # * * Demand for Action * * Pursuant to my rights under the law, I demand that you : 1. * * Remove all my personal and financial data * * from your reporting systems within * * 48 hours * *
of receiving this notice.

2. * * Cease any further dissemination * * of my information without my express written authorization.

3. * * Provide written confirmation * * of compliance sent to my address/email above.

# # # * * Legal Consequences * * Failure to comply within * * 48 hours * * will leave me no choice but to pursue legal action, including : - Filing complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * * and * * [ State Attorney General ] * *. 
- Seeking statutory damages of * * {$2000.00} per day * * for ongoing violations under [ state law, if applicable, e.g., XXXX XXXX  allows {$2500.00} per violation ]. 
- Initiating a civil lawsuit for willful noncompliance under * * FCRA 1681n * *.

This letter serves as formal notice. All communications should be directed to me at the contact information above. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: LA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1.Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2.A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3.Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt.

4.Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXXXXXX ). 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which supports the principle that the note and security instrument can not be separated. 

Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity.

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office CAINE & WEINER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
Equifax previously removed the XXXX XXXX XXXXXXXX account from my credit report but it reappeared per FCRA 605B once I provided a copy of my FTC IDENTITY THEFT REPORT, my driver license, social security card, and cover letter instructing them to do so Equifax was to remove and permanently block this company from my credit file due to me being a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX  previously removed the Bank of America account from my credit report but it reappeared per FCRA 605B once I provided a copy of my FTC IDENTITY THEFT REPORT, my driver license, social security card, and cover letter instructing them to do so XXXX  was to remove and permanently block this company from my credit file due to me being a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: VA

Complaint narrative:
I am filing this complaint against Experian for failure to comply with the Fair Credit Reporting Act ( FCRA ) in response to multiple disputes I submitted regarding inaccurate, unverifiable, and outdated items on my credit report. 
Despite formally disputing these items and requesting proper documentation, Experian either failed to conduct a reasonable reinvestigation or claimed the items were " verified '' without providing any evidence or method of verification as required by law. 
Specifically, I disputed the following accounts : XXXX XXXX XXXX XXXX Charged-off account with no signed contract or full payment history ever provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with no debt validation or original billing history. 
XXXX XXXX / XXXX Closed account inaccurately reported as 120+ days late. 
XXXX XXXX Reported 30-day late payment with no supporting billing cycle documents. 
XXXXXXXX XXXX Alleged late payments that conflict with neighboring on-time payments. 
XXXX XXXX XXXX loan delinquencies potentially outdated and never fully verified. 
XXXX XXXX collection with no final bill or signed agreement attached. 
I clearly cited FCRA 611 [ 15 U.S.C. 1681i ], FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], and FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ] in my written disputes. These laws require a reasonable reinvestigation, maximum accuracy, and full disclosure of verification methods none of which were honored.

I request the Consumer Financial Protection Bureau to investigate Experians failure to meet their legal obligations and compel the permanent deletion of the accounts listed above from my file due to unverifiability and legal noncompliance.

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 2025-07-18 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: TX

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-18 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation and Removal of Inaccurate Information in Credit Report Dear Credit Reporting Agencies , I am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 

Account Information to Be Disputed : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Description of the Inaccuracy : Reporting as a paid charge off and it is not. 

Account Information to Be Disputed : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Description of the Inaccuracy : Reporting as a paid charge off. 

Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

Enclosed are copies of my credit report which serve as evidence to support my claim. 

I expect to receive a response within the 30-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information. 

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXXXXXX XXXX XXXX  {$18.00} XXXX ; Thomas v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

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 non-monetary relief
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
Submitted as a follow-up on XX/XX/year> : Experian 's response is unacceptable and demonstrates willful noncompliance with their obligations under the FCRA. I submitted a timely and fully documented dispute on XX/XX/year> regarding inaccurate reporting of a late payment on my XXXX XXXX XXXXXXXX credit card ( Account XXXX XXXX XXXX XXXX XXXX XXXX  ). Since then, I have observed clear and provable discrepancies between how this same account is reported across the three major credit bureaus. Most importantly, XXXX and XXXX  conducted reasonable investigations, complied with the law, and corrected or removed the inaccurate late payment from my file. Experian, however, has chosen to ignore the same evidence and failed to act with equal diligence. This is a violation of FCRA 611 ( a ) ( 1 ) ( A ), which requires a reinvestigation to be reasonable. It is also a violation of 607 ( b ), which mandates that a credit reporting agency must maintain reasonable procedures to ensure maximum possible accuracy. I am attaching three side-by-side credit reports dated within the last 90 days to demonstrate that XXXX  and XXXX properly updated my report, while Experian failed to do so. This inconsistency, caused by Experians negligence or willful refusal to act, is causing me harm. The account should be corrected to match the accurate versions reported by the other two CRAs. All late payments listed on this account must be permanently deleted. Experians blanket claim that the furnisher verified it is not a defense if the data is clearly inaccurate or inconsistent with public records and peer bureaus. At this point, Im requesting full deletion of the derogatory history associated with this account. If this dispute is not resolved properly, I will escalate the matter to the XXXX my State Attorney General, and seek legal representation for Experians failure to fulfill its FCRA obligations.

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 2025-07-18 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: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent item from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the item listed below : XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXXXXXX  Account Name : DEPT OF EDUCATION/NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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