vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( XXXX  ), you are required to verify the validity of the disputed information within XXXX  days. Furthermore, if the disputed information is the result of a data breach, it must be deleted or blocked within XXXX business days of receiving this notice. If the validity of the item can not be verified, you are legally obligated to remove it from my credit report. I have submitted an affidavit attesting that my credit file contains fraudulent accounts and unauthorized inquiries. Therefore, I strongly urge you to delete or block the disputed items promptly to avoid further escalation. Should you fail to verify the disputed information in compliance with the FCRA and continue to report it, I will be compelled to pursue legal action for actual damages and declaratory relief under FCRA XXXX Civil Liability for Willful Noncompliance [ XXXX U.S.C. XXXX ]. For your reference, I have enclosed a copy of this provision. This statute gives me the right to initiate a lawsuit in any competent state or federal court, including small claims court. I hope this matter can be resolved promptly and without further complications.

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 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX  regarding an account I have with them XXXX * * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( XXXX XXXX : XXXXXXXX XXXX ) XXXX * * * * Balance : {$660.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with NCA buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2025-06-10 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: Merchants and Medical Credit Corporation, Inc.
State: NE

Complaint narrative:
M & M Credit # XXXXXXXX XXXX XXXX XXXX XXXX Placed for collection : XX/XX/year> Loan type : Collection Agency/Attorney Original amount : {$2400.00} Original creditor : XXXX XXXX XXXX XXXX ( rental/leasing ) I recently discovered that my identity has been used without my authorization for financial accounts, credit cards, and housing applications including this apartment. I was under severe emotional and financial distress at the time this occurred, and I was not in a position to review or verify what was being done in my name. 

I am requesting this eviction record be fully removed from my credit file as it is the result of identity misuse, potential fraud, and hardship. This situation has had a major negative impact on my ability to recover and rebuild. I ask for a full investigation and immediate deletion from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: TX

Complaint narrative:
Account # XXXX I am unaware of this debt and did not authorize this. I've never had a contract with this debt collector for any debt. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
I am filing this complaint against XXXX XXXX for inaccurately reporting a late payment on my open account. I recently reviewed my credit report and discovered errors in the payment history that I strongly believe fall under the billing error provisions defined in 15 U.S.C. 1666 ( b ) of the Truth in Lending Act. 

Disputed Account : Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payment ( Open ) Nature of the Complaint I dispute the completeness and accuracy of the payment history for the above account. I do not recall making any late payments, and I was not issued a billing statement at least 21 days in advance of the due date as required by law. 

In accordance with 15 U.S.C. 1666 ( b ), the following constitute billing errors : 1666 ( b ) ( 4 ) : The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

1666 ( b ) ( 5 ) : A computation error or similar accounting error by the creditor on a statement. 

Based on these provisions, I believe the reported late payment is inaccurate or the result of a billing/processing error. 

Requested Relief I am formally requesting that XXXX XXXX and the credit reporting agency : Provide full documentary evidence showing that the reported late payment is accurate, including : A copy of the billing statement sent 21 days before the alleged due date. 

Payment posting records and proof of delivery of billing notices. 

Immediately update the payment status on my credit report to Paid on Time if no such documentation can be provided.

Conduct a full reinvestigation of this reporting error in accordance with the Fair Credit Reporting Act and Truth in Lending Act.

Send me written confirmation of the correction or results of the reinvestigation.

Regulatory Action and Escalation Please be advised that this matter is being simultaneously reported to the following agencies : Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX ( XXXX  ) Michigan Attorney Generals Office I expect your full cooperation and a resolution of this matter within the legally required timeframe. Failure to comply may result in further legal action or formal complaints. 

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 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm writing to dispute fraudulent accounts that have appeared on my credit report. These unauthorized accounts are negatively impacting my credit score and ability to obtain credit. Please investigate and remove them from my report as soon as possible. Thank you for your prompt attention to this matter.

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 2025-06-10 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-10 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-10 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: Mercury Financial Intermediate LLC
State: NE

Complaint narrative:
XXXX XXXX XXXX Mercury Financial XXXX XXXX * * * * Date opened : XX/XX/XXXX Responsibility : relationship terminated ( XX/XX/XXXX ) Credit limit : {$3900.00} from XX/XX/XXXX to XX/XX/XXXX High balance : {$1100.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3300.00} from XX/XX/XXXX to XX/XX/XXXX Payment received : {$200.00} I did not open or authorize this XXXX  XXXX XXXX Mercury Financial account XXXX and dont know what this is, which shows as a credit card. This is a clear case of identity theft and fraudulent activity. I demand the immediate removal of this account from my credit report and that all associated negative impacts be corrected. I also expect a full investigation into the fraudulent activity and that those responsible be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * Date opened : XX/XX/XXXX Responsibility : relationship terminated ( XX/XX/XXXX ) Credit limit : {$3900.00} from XX/XX/XXXX to XX/XX/XXXX High balance : {$1100.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3300.00} from XX/XX/XXXX to XX/XX/XXXX Payment received : {$200.00} I did not open or authorize this XXXX XXXX XXXXXXXX XXXX XXXX account XXXX and dont know what this is, which shows as a credit card. This is a clear case of identity theft and fraudulent activity. I demand the immediate removal of this account from my credit report and that all associated negative impacts be corrected. I also expect a full investigation into the fraudulent activity and that those responsible be held accountable.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
On XX/XX/year>, SoFi Bank had randomly and without warning restricted my account after making a purchase. I had the funds available in my account and was attempting to make a purchase to pay my rent for the month as well as other bills. The transaction would be declined my transaction leading to me getting an alert that my account was restricted. I confirmed the transaction was me via text but that wasnt good enough for them. I called their customer service where I verified everything with them and till this date, I have no access to my account. I honestly find this so draining and frustrating that I can access my money when I need too and its creating a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance XXXX {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Placed for collection : XX/XX/year> Loan type : Collection Agency/Attorney Original amount : {$2400.00} Original creditor : XXXX XXXX XXXX XXXX ( rental/leasing ) I recently discovered that my identity has been used without my authorization for financial accounts, credit cards, and housing applications including this apartment. I was under severe emotional and financial distress at the time this occurred, and I was not in a position to review or verify what was being done in my name. 

I am requesting this eviction record be fully removed from my credit file as it is the result of identity misuse, potential fraud, and hardship. This situation has had a major negative impact on my ability to recover and rebuild. I ask for a full investigation and immediate deletion from my record.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
NEW CFPB COMPLAINT NARRATIVE Experians mishandling of my XXXX XXXX XXXX dispute ( existing issue ) Prior CFPB case number : XXXX ( XXXX XXXX XXXX ) Related Experian dispute filed : XX/XX/XXXX ( Experian closed XX/XX/XXXX with explanation ) What happened I disputed the XXXX Card tradeline ( acct ending XXXX ) on my Experian credit report because I have no contractual relationship with XXXX ( see prior CFPB case against XXXX ). 
Experian claimed on XX/XX/XXXX that XXXX verified the account, but Experian did not give me any documentary proofno signed application, no wet-ink note, no ESIGN audit trail.

The only proof is XXXX  conclusory XXXX code. Experian has refused to delete or suppress the tradeline. 
My FTC Identity-Theft Affidavit ( attached ) indicates the account is fraudulent. Under FCRA 605B Experian must block identity-theft items within 4 business days. That did not happen. 
Because the XXXX tradeline remains, I have been denied a credit card and a business line of credit ( denial letters attached ). 

Why Experians response violates the FCRA | FCRA section | Violation | | -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | | 605B | Failure to block the disputed identity-theft XXXX  tradeline within four days. | | 611 ( a ) | No reasonable reinvestigation ; Experian relied solely on XXXX  canned response. | | 611 ( a ) ( 6 ) ( B ) ( iii ) | Did not provide the method of verification or XXXX contact information. | | 607 ( b ) | Failed to assure maximum possible accuracy before re-reporting the account. | Case law : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRA must independently investigate, not simply parrot the furnisher ; XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) * continuing to report unverified tradeline is willful non-compliance. 

Harm suffered * Credit card denial ( XX/XX/XXXX ) and business LOC denial ( XX/XX/XXXX ). 
* Lost financing opportunities \ {$5000.00} and reputational damage. 
* Emotional distress from repeated rejections.

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 2025-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Under law code 15 U.S. Code 1681 I requested the misinformation under my credit to be removed through XXXX XXXX but they were not compliant and I also contacted the company to send you a written consent then I never received a respond under law code 15 U.S.C. 1605 I'm requesting written signature or consent or requesting this removal from my credit profile under code of 15 U.S.C. 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my Equifax credit report within XXXX days of receipt. I request that you manually process my FCRA XXXX deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA XXXX, no further validation from creditors is necessary once proper identity theft documentation has been provided. The fraudulent hard inquiries are : Unauthorized Inquiry ( XXXX ) : XXXX  - XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : SECU - XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : SECU - XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : SECU - XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : SECU - XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : XXXX  - XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : XXXX - XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : XXXX  - XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : SECU - XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : SECU - XXXX - XX/XX/XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with XXXX U.S. Code XXXX - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation