vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX To : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX EquifaXXXX XXXX XXXX XXXX XXXXXXXX TransUnionXXXX XXXX XXXX XXXX XXXX  Subject : 72-Hour Notice to Remove Inaccurate/Unverified Items from Credit Report Dear Credit Bureau Representatives , I am writing to formally dispute several accounts listed on my credit report. These entries are either inaccurate, unverifiable, outdated, or reported in a manner that violates the Fair Credit Reporting Act ( FCRA ). Under Section 611 and Section 609 of the FCRA, I am requesting an immediate investigation into the accounts listed below and, if verification can not be completed within 72 hours, I demand their removal from my credit report. 

Below are the accounts in question : XXXX. XXXX XXXX Opened : XXXX : $ XXXX : Charged off / {$3900.00} past due as of XX/XX/year> XXXX. XXXX XXXX XXXXXXXX Opened : XXXX : $ XXXX : Closed / {$3600.00} written off XXXX. XXXX XXXX Opened : XXXX : $ XXXX : Charged off / {$8400.00} past due XXXX. XXXX XXXX XXXX XXXX Opened : XXXX : $ XXXX : Charged off / {$7300.00} past due XXXX. XXXX XXXX ( XXXX ) Date Opened : XXXX : $ XXXX : XXXX XXXX. XXXX XXXX ( XXXX ) Date Opened : XXXX : $ XXXX : Charged off / {$6400.00} past due XXXX. XXXX Opened : XXXX : $ XXXX : Paid / Closed XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Opened : XXXX : $ XXXX : XXXX/ {$120.00} past due XXXX. XXXX XXXX XXXX XXXX Opened : XXXX : $ XXXX : Charged off / {$56000.00} written off XXXX. XXXX XXXX XXXX XXXX Opened : XXXX : $ XXXX : XXXX XXXX XXXXXXXX. XXXX XXXX XXXX Opened : XXXX : $ XXXX : XXXX account XXXXXXXX XXXX XXXXXXXX XXXX Opened : XXXX : $ XXXX : XXXX account I am requesting a prompt reinvestigation and removal of any account that can not be verified with the original creditor or furnisher of the information. If these accounts are not verified within 72 hours, I expect them to be deleted from all versions of my credit reports as required by law.

Please provide me with written confirmation of the results of your investigation and an updated copy of my credit report. I am exercising my rights under the FCRA, and if these items are not resolved promptly, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or seek legal remedies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX last XXXX digits : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX To : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX EquifaXXXX XXXX XXXX XXXX XXXXXXXX TransUnionXXXX XXXX XXXX XXXX XXXX  Subject : 72-Hour Notice to Remove Inaccurate/Unverified Items from Credit Report Dear Credit Bureau Representatives , I am writing to formally dispute several accounts listed on my credit report. These entries are either inaccurate, unverifiable, outdated, or reported in a manner that violates the Fair Credit Reporting Act ( FCRA ). Under Section 611 and Section 609 of the FCRA, I am requesting an immediate investigation into the accounts listed below and, if verification can not be completed within 72 hours, I demand their removal from my credit report. 

Below are the accounts in question : XXXX. XXXX XXXX Opened : XXXX : $ XXXX : Charged off / {$3900.00} past due as of XX/XX/year> XXXX. XXXX XXXX XXXXXXXX Opened : XXXX : $ XXXX : Closed / {$3600.00} written off XXXX. XXXX XXXX Opened : XXXX : $ XXXX : Charged off / {$8400.00} past due XXXX. XXXX XXXX XXXX XXXX Opened : XXXX : $ XXXX : Charged off / {$7300.00} past due XXXX. XXXX XXXX ( XXXX ) Date Opened : XXXX : $ XXXX : XXXX XXXX. XXXX XXXX ( XXXX ) Date Opened : XXXX : $ XXXX : Charged off / {$6400.00} past due XXXX. XXXX Opened : XXXX : $ XXXX : Paid / Closed XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Opened : XXXX : $ XXXX : XXXX/ {$120.00} past due XXXX. XXXX XXXX XXXX XXXX Opened : XXXX : $ XXXX : Charged off / {$56000.00} written off XXXX. XXXX XXXX XXXX XXXX Opened : XXXX : $ XXXX : XXXX XXXX XXXXXXXX. XXXX XXXX XXXX Opened : XXXX : $ XXXX : XXXX account XXXXXXXX XXXX XXXXXXXX XXXX Opened : XXXX : $ XXXX : XXXX account I am requesting a prompt reinvestigation and removal of any account that can not be verified with the original creditor or furnisher of the information. If these accounts are not verified within 72 hours, I expect them to be deleted from all versions of my credit reports as required by law.

Please provide me with written confirmation of the results of your investigation and an updated copy of my credit report. I am exercising my rights under the FCRA, and if these items are not resolved promptly, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or seek legal remedies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX last XXXX digits : 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 2025-06-17 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:
I am submitting this complaint to report the continued furnishing of inaccurate, unverifiable, and potentially fraudulent data on my consumer credit profile by Experian, Equifax, TransUnion. 

Despite multiple written notices disputing unauthorized third-party tradelines, false inquiries, and outdated negative entries, the agency ( ies ) have failed to provide adequate investigation results or permanently remove the challenged items in accordance with FCRA 602 and 611.

Additionally, I have established fiduciary status over the estate associated with the legal name and Social Security Number under private trust. Supporting documentationincluding IRS Form 56, UCC-1 financing statements, and legal affidavits. 

Further, the agencies continue to assign an algorithmic credit score that causes material harm, despite my lawful administrative rebuttals and requests. 

This ongoing failure to investigate, correct, and lawfully acknowledge my administrative authority constitutes a direct violation of my consumer rights and fiduciary standing. 

No resolution or adequate response received as of XX/XX/year>. 

I will attach a complete packet of documents that support this claim, including legal notices and affidavits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: AL

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want these loans cleared off I didnt not do these and I refuse to pay something back that doesnt belong to me if yall dont do a full investigation Im taking a stepfuther

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 2025-06-17 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 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I am submitting this complaint against TransUnion for their ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding an account listed on my credit report as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis of the Complaint : 1. Incomplete Account Information : The account is listed in an incomplete manner, with only a partial account number provided. This renders it unverifiable and fails to meet the standard of transparency required under XXXX U.S. CXXXX XXXXi, which mandates that consumer reporting agencies provide the consumer with the sources of the information when the accuracy of information is disputed. 
2. Lack of Method of Verification : I formally disputed this account and TransUnion failed to provide the method of verification, including the name and contact of the person or entity who allegedly confirmed the accuracy of the data. This is a direct violation of XXXX U.S. CXXXX XXXXi ( a ) ( 6 ) ( B ) ( iii ), which entitles consumers to see how disputed information was verified. 
3. Certification of Accuracy Without Proper Validation : By continuing to report this incomplete and unverified account, TransUnion is essentially attesting to the accuracy of this information. Per the legal reasoning in XXXX XXXX XXXX, credit reporting agencies who continue to report information after a dispute are effectively certifying it under penalty of law. This principle aligns with interpretations of the FCRA by various courts, including the Supreme Court, which places responsibility on CRAs to ensure maximum possible accuracy.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
CHECKING MY CREDIT REPORT I NOTICED SEVERAL INACCURACIES ON SOME OF MY ACCOUNTS. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THOSE ITEMS FOR ME AND MAKE SURE EVERYTHING IS ACCURATE. 

HERE IS THE ACCOUNT I AM ASKING YOU TO VERIFY IS ACCURATE MISSIONLNTAB ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
Summary : Relay Financial closed our business account and is currently holding {$30000.00} in cleared funds. These were legitimate business payments made by a client, submitted in smaller checks due to Relays deposit limits. I submitted all required invoices and documents. Despite this, Relay closed our account and stated that the funds would be held for up to 45 days for review. This has created serious disruption for my business.

What I want : Immediate release of all funds to my external account. I am not disputing the closure of the account but withholding over XXXX XXXXXXXX in cleared funds from a small business is damaging and unacceptable. I have provided Relay Financial with wire instructions to my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate, Unverifiable Collection Accounts RentDebt Automated / XXXX Violation of FCRA ( 15 U.S.C. 1681i, 1681e, 1681c ) Dear TransUnion, I am writing to formally dispute inaccurate and potentially fraudulent entries on my credit report associated with RentDebt Automated C and original creditor XXXX. 

Accounts in Dispute : 1. Closed Account Balance : {$0.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported Balance : {$600.00} Account Status : Paid / Closed 2. Open Account ( Duplicate or Error ) Balance : {$3100.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX Account Status : Unpaid Remarks : Consumer disputes this account information Legal Violations and Basis for Deletion : Duplicate Reporting : Reporting two collection accounts from the same original creditor ( XXXX ) for similar or possibly overlapping debt violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates reinvestigation of disputed items that are duplicative or unverifiable. 
Unverifiable Account : The newer account opened in XXXX must be verified under 15 U.S.C. 1681i ( a ) ( 2 ). If no original signed agreement, itemization of charges, and legal transfer of debt documentation can be provided within 30 days, the account must be deleted. 
Accuracy Requirement : The claim of an unpaid {$3100.00} balance directly conflicts with the earlier record indicating a closed and paid account. This inconsistency violates 15 U.S.C. 1681e ( b ) requiring maximum accuracy of data reported.

Outdated Information : If the original debt originated more than seven years ago, continued reporting may violate 15 U.S.C. 1681c ( a ) ( 4 ).

Action Demanded : I formally request the immediate deletion of the disputed RentDebt Automated C / XXXX account ( XXXX ) for being : Duplicative Inaccurate Unverifiable Potentially reaged or improperly reported Please provide me : 1. Written verification of both accounts 2. Documentation of the debts origination and legal assignment 3. A corrected credit report reflecting permanent deletion if the data can not be verified Failure to comply will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and consideration of legal action for FCRA violations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am contesting a transaction with Wells Fargo due to non-delivery of goods/services. The transaction has resulted in my account being overdrawn. Regrettably, Wells Fargo is declining to provide a provisional credit, and I am receiving emails regarding potential overdraft fees. It is unreasonable that Wells Fargo is not providing a provisional credit and is instead threatening me with overdraft fees.

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 monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am writing to formally document and dispute the closure of my Bank of America account and subsequent reporting to XXXX  in XX/XX/year>. 

While I was temporarily staying at a friends residence in XXXX, XXXX, I deposited a check via mobile banking that I believed to be legitimate. The spelling and formatting appeared consistent which further led me to believe the cheque was authentic. However, shortly after depositing the check, my account was closed without prior notice or an opportunity for explanation. 

As a result of this action, I was left stranded in Canada without access to funds or banking services. To make matters worse, I was reported to XXXX  despite not having engaged in any intentional fraud or misconduct. This incident caused severe hardship and reputational harm for something I had no knowledge was problematic at the time. 

Two years later, I was finally able to clear my name with XXXX  after filing a police report and undergoing a lengthy verification process. 

I respectfully request that Bank of America acknowledge the undue hardship caused by this incident and formally update any internal records or external reports that may still reflect negatively on my name as a result of this unintentional situation. 

Please let me know if you require any documentation, including the police report or correspondence with 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have attached copies of my government-issued ID, utility bills, and Social Security card to verify my correct personal information. Please initiate a thorough investigation and remove or correct these errors immediately. Please confirm in writing once the corrections have been made.

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 2025-06-17 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 disputed the unauthorized credit reporting by XXXX, XXXX, and XXXX  XXXX  to TransUnion, Equifax, and Experian. XXXX previously confirmed in writing they would cease reporting, but instead improperly reported my account as 'charged off, ' after the account was already reflecting closed. XXXX and XXXX  XXXX  failed to provide proof of authorization or clear disclosures after I formally requested them, violating my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX further failed to substantiate the existence of the claimed debt. I request CFPB assistance in correcting these inaccuracies and removing unauthorized reports.

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