vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.

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 2025-03-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not authorize these inquires please remove. 
XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX issued us a payment on XX/XX/2023 for {$18000.00}. 
This check along with others were stolen from our mailbox and we did not receive them. There is documented proof of mailbox thefts throughout XXXX XXXX NJ during this time period. 
Multiple agencies were involved in this theft ring including the XXXX XXXX XXXX Inspector, XXXX XXXX XXXX, and the XXXX Police Department. 
We have received payment from all other banks for other checks that were stolen except this one. 
We signed an affidavit stating that the referenced check was not cashed by us and Citizens Bank refuses to look into the matter and reimburse us for our check that was cashed fraudulently. 

Someone was able to open a bank account under our business name and cash this payment. This needs to be investigated. 


We are requesting this matter be resolved quickly and reimbursed along with 2 years interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : FORMAL CFPB COMPLAINT DEMAND TO REMOVE ALL CLOSED ACCOUNTS FROM CREDIT REPORTS To Whom It May Concern, I am filing this formal complaint against Experian, Equifax, and TransUnion for their continued failure to remove closed accounts from my credit reports, which is negatively affecting my credit profile. I have no active financial obligation with these closed accounts, and their presence serves no legitimate purpose except to unfairly harm my creditworthiness. 

ISSUES & VIOLATIONS : 1. Failure to Maintain Accurate Credit Reporting ( FCRA Violation 15 U.S.C. 1681 ) Credit bureaus are legally required to ensure that all reported information is accurate, complete, and up to date. Keeping outdated, closed accounts on my report is misleading and damaging to my credit score. 
2. Negative Impact on My Creditworthiness Closed accounts serve no purpose in assessing my current credit risk and only artificially lower my credit score, making it harder to secure new credit opportunities.

3. Unnecessary Inclusion of Outdated and Inactive Accounts Since these accounts are closed and no longer active, they are not a valid representation of my current credit standing and must be deleted immediately.

FORMAL REQUEST FOR ACTION I demand that the Consumer Financial Protection Bureau ( CFPB ) take immediate action and force Experian, Equifax, and TransUnion to : 1. Immediately remove all closed accounts from my credit report. 
2. Update my credit report to reflect only active and accurate financial data.

3. Provide written confirmation that all closed accounts have been removed.

NOTICE OF LEGAL ACTION IF NON-COMPLIANCE OCCURS If this issue is not resolved within 30 days, I will escalate this matter by : Filing a formal complaint with the Federal Trade Commission ( FTC ) and my State Attorney Generals office. 
Seeking legal action for willful non-compliance under the Fair Credit Reporting Act ( FCRA ). 
Demanding monetary damages for the harm done to my credit profile. 

This letter serves as official notice of my dispute. I expect a prompt resolution, and I will not tolerate any further delays, excuses, or failure to comply with federal credit laws.

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 2025-03-10 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: IL

Complaint narrative:
Subject : FORMAL CFPB COMPLAINT DEMAND TO REMOVE ALL CLOSED ACCOUNTS FROM CREDIT REPORTS To Whom It May Concern, I am filing this formal complaint against Experian, Equifax, and TransUnion for their continued failure to remove closed accounts from my credit reports, which is negatively affecting my credit profile. I have no active financial obligation with these closed accounts, and their presence serves no legitimate purpose except to unfairly harm my creditworthiness. 

ISSUES & VIOLATIONS : 1. Failure to Maintain Accurate Credit Reporting ( FCRA Violation 15 U.S.C. 1681 ) Credit bureaus are legally required to ensure that all reported information is accurate, complete, and up to date. Keeping outdated, closed accounts on my report is misleading and damaging to my credit score. 
2. Negative Impact on My Creditworthiness Closed accounts serve no purpose in assessing my current credit risk and only artificially lower my credit score, making it harder to secure new credit opportunities.

3. Unnecessary Inclusion of Outdated and Inactive Accounts Since these accounts are closed and no longer active, they are not a valid representation of my current credit standing and must be deleted immediately.

FORMAL REQUEST FOR ACTION I demand that the Consumer Financial Protection Bureau ( CFPB ) take immediate action and force Experian, Equifax, and TransUnion to : 1. Immediately remove all closed accounts from my credit report. 
2. Update my credit report to reflect only active and accurate financial data.

3. Provide written confirmation that all closed accounts have been removed.

NOTICE OF LEGAL ACTION IF NON-COMPLIANCE OCCURS If this issue is not resolved within 30 days, I will escalate this matter by : Filing a formal complaint with the Federal Trade Commission ( FTC ) and my State Attorney Generals office. 
Seeking legal action for willful non-compliance under the Fair Credit Reporting Act ( FCRA ). 
Demanding monetary damages for the harm done to my credit profile. 

This letter serves as official notice of my dispute. I expect a prompt resolution, and I will not tolerate any further delays, excuses, or failure to comply with federal credit laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: PR

Complaint narrative:
I have in my credit report XXXX accounts that do not belong to me, I have an ID theft report that shows that my ID was stolen. I try to delete this from the credits agencies and they com verified as accurate. please I need to delete this account from my credit the accounts are not my. The XXXX accounts are : XXXX XXXX # XXXX XXXX XXXX # XXXX and XXXX/XXXX  XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX XXXX identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure 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 explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX. 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 2025-03-10 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX. 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 2025-03-10 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: TN

Complaint narrative:
My information was involved in a data breach. I would like all incorrect items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Information Due to Equifax Data Breach Dear Equifax, I am writing to dispute inaccurate information on my credit report related to the Equifax data breach. I believe that my personal information has been compromised and may be affecting my credit report inappropriately. I am requesting that you investigate this issue and make any necessary corrections. 

Details of Dispute : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Report/Account Number ( if applicable ) : XXXX  XXXX, XXXX & XXXX Bank Inquires : XXXX  XXXX, XXXX  XXXX, XXXX  of XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX Collections : XXXX  XXXX XXXX  I understand that my information was potentially compromised in the XXXX Equifax data breach. I have reviewed my credit report, and I have noticed discrepancies that I believe are related to this breach. Please investigate the affected accounts and take appropriate action to correct any errors. 

I am requesting that you verify the accuracy of the information on my report and, if necessary, correct or remove any inaccuracies caused by fraudulent activity linked to the breach. 

Please confirm that my dispute has been received and let me know the steps you will take to resolve this issue. Additionally, I request a copy of the updated credit report after any corrections are made. 

If you need any further information or documentation to assist in your investigation, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, CA Email : XXXX ( Preferred Contact : Email or Mail Only ) Complaint I am filing this complaint against Innovis for failing to provide me with my legally entitled consumer file disclosure. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681g ], I am entitled to a full copy of all information Innovis maintains on me, including any data they have furnished to third parties. 

I originally sent a request on XX/XX/year>2025, demanding my complete consumer file. As of XX/XX/year>2025, I have not received any response, which constitutes a violation of federal law. Additionally, I have never given explicit consent for Innovis to furnish any information about me to third parties, as required under 15 U.S.C. 1681b. Any reporting or furnishing of my data without my direct authorization is unlawful and must be corrected immediately. 

Furthermore, I have serious security concerns regarding my personal information. My previous phone number, ( XXXX ) XXXX, was compromised due to XXXX XXXX attack, exposing my data to unauthorized entities. Given this breach, I no longer feel comfortable doing business with companies that fail to comply with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I checked my consumer report on XX/XX/XXXX and seen that Experian XXXX Equifax are reporting a bankruptcy chapter 7 on my credit file ( XXXX XXXX XXXX XXXX, XXXX  XXXX  # XXXX ) DATE FILED XX/XX/XXXX, XXXX XXXX XXXX -XXXX  IDENTITY THEFT! Its quite clear that my identification was used by XXXX consumer reporting agency to obtain my credit report to another consumer reporting agancy without PERMISSIBLE PURPOSE which constitute Aggravated Identity Theft, XXXX15 USC 1681q Obtaining information under false pretenses!! I DID NOT GIVE ANYONE PERMISSION TO PULL MY CONSUMER REPORT, ,In accordance with the written instruction of the consumer to whom it relates 15 USC 1681c-2 Block of information resulting from Identity Theft, I did not give Experian & Equifax permission to pull my consumer report this is IDENTITY THEFT!!!! Please remove the bankruptcy and these inquiries XXXX XXXX  XXXX XXXX XXXX XXXX, ,XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
I checked my consumer report on XX/XX/XXXX and seen that XXXX XXXX XXXX are reporting a bankruptcy chapter XXXX on my credit file ( XXXX XXXX XXXX XXXX, DISMISSED DOCKET # XXXX ) DATE FILED XX/XX/XXXX, 18 USC 1028a -AGGRAVATED IDENTITY THEFT! Its quite clear that my identification was used by 1 consumer reporting agency to obtain my credit report to another consumer reporting agancy without PERMISSIBLE PURPOSE which constitute Aggravated Identity Theft, ,15 USC 1681q Obtaining information under false pretenses!! I DID NOT GIVE ANYONE PERMISSION TO PULL MY CONSUMER REPORT, ,In accordance with the written instruction of the consumer to whom it relates 15 USC 1681c-2 Block of information resulting from Identity Theft, I did not give XXXX & XXXX permission to pull my consumer report this is IDENTITY THEFT!!!! Please remove the bankruptcy and these inquiries XXXX XXXX  XXXX XXXX XXXX XXXX, ,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Date of InquiryXX/XX/2024, XXXX  XXXX Date of Inquiry XX/XX/2024, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 & XXXX XXXX  Date of Inquiry XX/XX/2024

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 2025-03-10 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had an XXXX request from Bank of America that the XXXX sued and they said to send a bill break down of payments for more than XXXX dollers of a bill breakdown of me not having access to my prepaid debit card for XX/XX/2022 until XX/XX/2022 I made a dispute and I still have not received the money off of my card due to my name being corrected and me not having access because of them requesting my identification to receive funds off of my card I sent a child support bill break down of me not having access to my card and I got hurt at a job from XX/XX/2022 got XXXX benefits and it stopped due to the name being corrected the same way I couldn't receive any money due to BofA to make a finalized decision about me not receiving my money for that time period for XXXX dollers or more I still disputed transactions with the bofa around the time when bofa asked me for identification telling me I'm not 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