vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 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 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 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 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 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 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 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

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 2025-08-18 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: FL

Complaint narrative:
Subject : Final Demand for Permanent Deletion Reinserted Account with Inaccurate Charge-Off Date and Re-Aging Violation ( FCRA 611 & 605 ) To Whom It May Concern : This letter serves as a formal demand for the immediate and permanent deletion of the following account from my Experian credit report : XXXX XXXX XXXX This account was previously deleted following a dispute regarding an inaccurate maturity date. Its reappearance violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), and I am now disputing it again due to additional violations, including inaccurate charge-off reporting and illegal re-aging.

Violations Cited : FCRA 611 ( a ) ( 5 ) ( B ) : Reinserted accounts must trigger written notice to the consumer within 5 business days. I received no such notice. 
FCRA 605 ( a ) : Negative accounts may not be reported more than 7 years from the original delinquency leading to charge-off. The charge-off date on this account is inaccurate and appears to have been manipulated.

FCRA 623 ( a ) ( 5 ) : Furnishers must report the actual date of delinquency. Re-aging the account to make it appear newer than it is violates this provision.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Experian must provide the method of verification and contact information of the verifying party. This was not provided.

FCRA 611 ( a ) ( 7 ) : I requested a description of the procedure used to verify the account. Experian failed to comply.

My Demands : Immediate and permanent deletion of the account from my Experian credit report. 
Written confirmation of deletion within 15 calendar days.

Full documentation of the reinsertion and verification process, including the name and contact information of the verifying party and the date of reinsertion.

If Experian fails to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and I will pursue legal remedies under FCRA 616 and 617 for willful and negligent noncompliance.

You are now on notice. I expect full compliance with federal law.

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 2025-08-18 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: TX

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 XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/year> ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$380.00} 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 2025-08-18 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:
Formal Dispute XXXX XXXX XXXX XXXX XXXX XXXX. Account ( Identity Theft & Breach Impact ) To Whom It May Concern, I am disputing the accuracy and validity of the following tradeline currently appearing on my TransUnion credit file : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Account Number : [ Last XXXX digits only ] Date Opened : XX/XX/year> Balance : {$1200.00} Status : Collection Account information disputed by consumer ( FCRA ) Data Breach & Fraud Concerns My personal information was compromised during recent national credit bureau data breaches, placing me at high risk for fraudulent accounts and inaccurate collection reporting. This account is disputed as a direct result of that breach exposure.

Pursuant to FCRA 605B ( identity theft blocking ) and 611 ( reinvestigation duties ), TransUnion must verify this account through independent validation, not by relying solely on XXXX XXXX response. 

Required Validation Evidence As part of your reinvestigation, I demand that TransUnion and XXXX  provide the following documentation within 5 business days : A signed contract or application showing I agreed to this debt with XXXXXXXX XXXX XXXX 

A full itemized breakdown of charges and payments. 

Documentation of assignment/ownership transfer to XXXX. 

Proof that XXXX is the legal holder in due course with enforcement rights. 

IRS Form 1099-C if the debt was charged off.

The certified mailing number/receipt proving XXXX submitted these documents to TransUnion during its investigation. 

Liability & Remedies If TransUnion or XXXX fails to provide certified proof of validation within the required time : After 5 days, I demand {$500.00} and immediate deletion of this tradeline. 

After 10 days, I demand {$1000.00} and deletion, under FCRA 605B, 611, 616, 617 and Texas Finance Code 392.403.

Failure to comply constitutes willful noncompliance, subjecting TransUnion to civil liability, damages, and regulatory escalation with the CFPB, FTC, and Texas AG.

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 2025-08-18 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: KS

Complaint narrative:
Accounts in Dispute : XXXX Account ending XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account ending XXXXXXXX XXXX XXXX XXXX Problems with the Reporting : 1. These accounts are being reported with balances that exceed their credit limits ( e.g., {$570.00} reported on a {$500.00} limit, and {$340.00} reported on a {$300.00} limit ). This shows impossible utilization rates ( 114116 % ) that are not consistent with lawful and accurate reporting.

2. Each bureau is reporting different statuses, past due amounts, and update dates for the same accounts. For example, one bureau lists open/never late while another lists past due or not more than two payments late.

3. All three bureaus are missing the name of the original creditor, which makes the tradelines unverifiable under law. 

Legal Violations : FCRA 1681e ( b ) : Requires credit bureaus to ensure maximum possible accuracy. Reporting contradictory balances, statuses, and missing creditor information is a direct violation.

FCRA 1681i ( a ) ( 5 ) : Requires deletion of information that can not be verified with documented proof from the original creditor within the 30-day investigation period.

FCRA 1681s-2 ( b ) : Furnishers have a duty to correct and update inaccurate information once a dispute has been raised.

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 2025-08-18 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: KS

Complaint narrative:
Accounts in Dispute : XXXX Account ending XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX Problems with the Reporting : 1. These accounts are being reported with balances that exceed their credit limits ( e.g., {$570.00} reported on a {$500.00} limit, and {$340.00} reported on a {$300.00} limit ). This shows impossible utilization rates ( 114116 % ) that are not consistent with lawful and accurate reporting.

2. Each bureau is reporting different statuses, past due amounts, and update dates for the same accounts. For example, one bureau lists open/never late while another lists past due or not more than two payments late.

3. All three bureaus are missing the name of the original creditor, which makes the tradelines unverifiable under law.

Legal Violations : FCRA 1681e ( b ) : Requires credit bureaus to ensure maximum possible accuracy. Reporting contradictory balances, statuses, and missing creditor information is a direct violation.

FCRA 1681i ( a ) ( 5 ) : Requires deletion of information that can not be verified with documented proof from the original creditor within the 30-day investigation period.

FCRA 1681s-2 ( b ) : Furnishers have a duty to correct and update inaccurate information once a dispute has been raised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: OH

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-18 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: NV

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX and # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. The fraudulent accounts appearing on my Equifax report include a XXXX credit card opened on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$7600.00}, a XXXX XXXXXXXX credit card opened on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1000.00}, a XXXX XXXX XXXX credit card opened on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, an XXXX XXXX unsecured loan opened on XX/XX/XXXX under account XXXXXXXX XXXX XXXX  with a balance of {$0.00}, a XXXX credit card XXXX XXXX XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$120.00}, and a XXXX XXXX XXXX  auto loan opened on XX/XX/XXXX under account XXXXXXXX XXXX with a balance of {$370.00}. I am filing this FTC Identity Theft Affidavit to report six fraudulent accounts appearing on my Equifax credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$7600.00} ), a credit card opened at XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ), a credit card opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX  ( {$0.00} ), an unsecured loan opened at XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX  ( {$0.00} ), a credit card opened at XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$120.00} ), and an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX with a balance of {$370.00}. These accounts have resulted in fraudulent inquiries and collections appearing on my credit report. I demand that these fraudulent items be removed from my credit reports and all related collection activity cease pursuant to my rights under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
I am disputing a fraudulent debt tied to a timeshare with XXXX XXXX XXXXXXXX and serviced by XXXX Monterey Collection Service is now attempting to collect on this debt, even though I never signed or entered into any agreement with Monterey. I purchased a timeshare membership with XXXX XXXX XXXX in XXXX under high-pressure sales tactics and outright misrepresentation. Subsequently I was pushed into upgrades during lengthy presentations where alcohol was served and my judgement impaired. I was promised availability and flexibility that never existed. Every attempt to use the product was met with restrictions, unavailable dates, or being placed in downgraded rooms I did not book. In XX/XX/XXXX, I was told by a XXXX XXXX representative, during a presentation, that I had a {$17000.00} overpayment '' on the account, but that it could not be applied toward my existing loan. Instead, I was told it could only be used toward yet another purchase. This was nothing more than a sales ploy. In XX/XX/XXXX, I submitted a formal termination request to XXXX XXXXXXXX XXXX and XXXX. Instead of processing it, they attempted to push me into schemes like the XXXX XXXX or XXXX XXXX " Under this so-called " XXXX XXXX '' option, they claimed they would forgive over {$70000.00} in loans if I agreed to keep the membership and continue paying maintenance fees indefinitely. This is not a legitimate exit program, it is nothing more than a way to keep owners trapped in perpetual financial obligations. A true cancellation would release me completely. Instead, they tried to bait me into a scheme that only benefits the company while leaving me with lifelong costs. I sent several emails declining this option and asked them to just close the account and refund my previous paid amounts. XX/XX/XXXX, I received a notice from Monterey Collection Service demanding {$82000.00}. This is outrageous. I never signed a contract with Monterey, and I do not owe them anything. They are attempting to collect on a debt tied to misrepresentation and deceptive practices by XXXX XXXX XXXXXXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: DE

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: AZ

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations. 

I request to confirm this correction in writing and provide an updated copy of my credit report showing the accurate and corrected personal information. If this can not be verified the validity of these aliases and addresses with sufficient legal documentation linking them to me, then they must be removed immediately as required by law.

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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank has closed all my accounts 3 checking and 2 credit cards and my line of credit.

They have given me 1 month to find another bank. As of XX/XX/year> they are closing them. 
They are treating me like a criminal!

Company response to consumer: Closed with explanation