vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
From : XXXX XXXX XXXX XXXX ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX RE : Procedural Request under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Account Name : XXXX XXXX XXXX XXXX in Dispute : / Account # XXXX To Whom It May Concern, This letter serves as a formal procedural request pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I am disputing the accuracy of the above-referenced account as reported on my credit file.

I am demanding the following : 1. A detailed description of the procedures used to verify the accuracy of the disputed account ; 2. The name, address, and contact information of the individual or entity that verified this account ; 3. A complete list of all documents that were used to verify the accuracy of this information ; 4. Copies of all documentation provided by the furnisher to verify this account.

If no such documentation exists or the furnisher can not produce it, this account must be immediately deleted from my credit report as required by law.

Please note : failure to provide this information or failure to remove unverifiable information constitutes a violation of the FCRA and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursued through legal action. 

I expect a full response within the legally required time frame. 

Sincerely, XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CORELOGIC INC
State: KY

Complaint narrative:
Complaint Against XXXX ( now part of XXXX XXXX XXXX ), CoreLogic I am writing to formally file a complaint regarding multiple consumer reporting agencies that have failed to provide a clear, accessible, and effective process for opting out of data collection, use, and sharing for marketing, prescreening, or other non-essential purposes, and I am requesting that all data brokerage between myself and them ends immediately. 

The companies in question are : XXXX ( XXXX XXXX XXXX ) CoreLogic In attempting to opt out of their data brokerage practices, I have encountered significant roadblocks. These include : Inaccessible or confusing opt-out procedures XXXX of digital or verifiable opt-out options I am requesting that the CFPB investigate these organizations for non-compliance with federal consumer protection standards, especially as it pertains to consumer autonomy over personal data. I also request that these agencies be required to : Provide permanent, verifiable opt-out options available online and by mail Cease all non-essential data collection, sharing, or resale following a valid opt-out Acknowledge and confirm opt-out requests in writing I believe that these companies are failing to meet reasonable standards of transparency and respect for consumer rights. I request that the CFPB hold them accountable and compel corrective action to bring them into compliance

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 2025-05-12 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: OR

Complaint narrative:
I am writing to formally file a complaint and request assistance regarding an alleged debt that remains unsubstantiated despite my repeated demands for verification. I have exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute and request validation of the debt in question. 

To date, I have received no adequate proof of the alleged obligation from the reporting party or its agents. As of XX/XX/XXXX, I issued a written request for verification, to which I have received no meaningful response within the statutorily allotted time. 

In accordance with the legal doctrine of estoppel by silence, as affirmed in Engelhardt v. Gravens, 281 S.W. 715, 719 ( Mo. 1926 ), [ e ] stoppel by silence arises where a person, who by force of circumstances is under a duty to another to speak, refrains from doing so and thereby leads the other to believe in the existence of a state of facts in reliance upon which he acts to his prejudice. 

Based on their failure to respond with validation, I now presume that no such debt exists. Their continued reporting of this alleged debt and any attempts to collect upon it may be deemed willful and malicious under both federal and state law.

I therefore demand that this matter be investigated and that the offending parties be instructed to cease all collection efforts and remove or block the reporting of the alleged accoun

t ( s ) within four ( 4 ) business days of receipt of this notice. Please advise on any additional steps I may need
to take to ensure compliance and protect my rights under Oregon and federal law. I have enclosed supporting documentation for your reference. 

Thank you for your 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: KY

Complaint narrative:
Complaint Against LexisNexis, XXXX, XXXX ( now part of LexisNexis Risk Solutions ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally file a complaint regarding multiple consumer reporting agencies that have failed to provide a clear, accessible, and effective process for opting out of data collection, use, and sharing for marketing, prescreening, or other non-essential purposes. The companies in question are : LexisNexis XXXX XXXX ( LexisNexis Risk Solutions ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite attempting to contact these agencies and assert my rights under the Fair Credit Reporting Act ( FCRA ), including the right to opt out of data brokerage practices, I have encountered significant roadblocks. 

These include : Inaccessible or confusing opt-out procedures Lack of XXXX or verifiable opt-out options Unresponsiveness to written or online requests Continued data use or prescreening despite prior opt-out attempts I am requesting that the CFPB use its authority to reach out to these organizations and request that I am opted out of any and all data brokerage with them. 

I'm asking them to provide permanent, verifiable opt-out options available online and by mail, and to acknowledge and confirm opt-out requests in writing I request that the CFPB hold them accountable and compel corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I was recently denied a bank account by XXXX XXXX XXXX XXXX based on information they stated came from XXXX XXXX XXXX. I had no prior knowledge that Early Warning was collecting or distributing data related to me. 

As a result, I am filing this complaint to address both : 1. The improper use of my personal information, and 2. The presence of potentially fraudulent data in my file I am the victim of identity theft and have already submitted : - An FTC Identity Theft Affidavit - FTC Identity Theft Report ( Report # : XXXX ) - A police report filed with the XXXX Police Department ( Case # XXXX ) - Copies of my government-issued ID and Social Security XXXX XXXX A written request for my full consumer file and for the deletion of any fraudulent or inaccurate information Early Warning Services has not responded and does not provide a clear way for consumers to access or dispute the data they report. The only available contact method is a mailing address or fax, which delays the resolution process and prevents timely disputes. 

I am requesting the CFPB to : - Ensure that Early Warning Services provide me with a full copy of my consumer file - Investigate and compel deletion of any and all fraudulent or inaccurate information - Require Early Warning Services to improve consumer access and responsiveness in accordance with the FCRA and CFPB guidelines This has negatively impacted my ability to open essential banking services, and I am seeking immediate resolution under FCRA 605B and relevant consumer reporting protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc.
State: KY

Complaint narrative:
Complaint Against XXXX, Innovis, XXXX ( now part of XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX  ), and XXXX  I am writing to formally file a complaint regarding multiple consumer reporting agencies that have failed to provide a clear, accessible, and effective process for opting out of data collection, use, and sharing for marketing, prescreening, or other non-essential purposes. The companies in question are : XXXX XXXX  XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite attempting to contact these agencies and assert my rights under the Fair Credit Reporting Act ( FCRA ), including the right to opt out of data brokerage practices, I have encountered significant roadblocks. 

These include : Inaccessible or confusing opt-out procedures Lack of digital or verifiable opt-out options Unresponsiveness to written or online requests Continued data use or prescreening despite prior opt-out attempts I am requesting that the CFPB use its authority to reach out to these organizations and request that I am opted out of any and all data brokerage with them. 

I'm asking them to provide permanent, verifiable opt-out options available online and by mail, and to acknowledge and confirm opt-out requests in writing I request that the CFPB hold them accountable and compel corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Advanced Resolution Services Inc.
State: KY

Complaint narrative:
Complaint Against XXXX, XXXX, XXXX ( now part of XXXX XXXX XXXX ), ARS ( Advanced Resolution Services ), and XXXX  I am writing to formally file a complaint regarding multiple consumer reporting agencies that have failed to provide a clear, accessible, and effective process for opting out of data collection, use, and sharing for marketing, prescreening, or other non-essential purposes. The companies in question are : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Advanced Resolution Services ( ARS ) XXXX  Despite attempting to contact these agencies and assert my rights under the Fair Credit Reporting Act ( FCRA ), including the right to opt out of data brokerage practices, I have encountered significant roadblocks. 

These include : Inaccessible or confusing opt-out procedures Lack of digital or verifiable opt-out options Unresponsiveness to written or online requests Continued data use or prescreening despite prior opt-out attempts I am requesting that the CFPB use its authority to reach out to these organizations and request that I am opted out of any and all data brokerage with them. 

I'm asking them to provide permanent, verifiable opt-out options available online and by mail, and to acknowledge and confirm opt-out requests in writing I request that the CFPB hold them accountable and compel corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-12 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: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concernregarding a late payment recorded in my account that requires correction. I amrequesting once again for the necessary adjustments to be made to rectify theaccount with the late payment. According to legal requirements, I understand that aninvestigation or update of the accounts is mandated. Kindly review the listed accountbelow that requires correction : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX * * * Balance {$1400.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * Balance {$2400.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX * * * Balance {$1300.00} XXXX XXXXXXXX * * * * * * Balance {$630.00} XXXX XXXX * * * * * * * * * * Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX * * * * Balance {$0.00}

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 2025-05-12 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: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concernregarding a late payment recorded in my account that requires correction. I amrequesting once again for the necessary adjustments to be made to rectify theaccount with the late payment. According to legal requirements, I understand that aninvestigation or update of the accounts is mandated. Kindly review the listed accountbelow that requires correction : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX * * * Balance {$1400.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * Balance {$2400.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX * * * Balance {$1300.00} XXXX XXXXXXXX * * * * * * Balance {$630.00} XXXX XXXX * * * * * * * * * * Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX * * * * Balance {$0.00}

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Both of these accounts were closed without my knowledge. No reason was given to me regarding the reason. I would like for them to be reopened.

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 2025-05-12 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-12 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
We have made XXXX transaction of USD XXXX each totalling XXXX through Trace ID 's as per below from XXXX XXXX XXXX Bank of America. 

Trace # ) XXXX, XXXX XXXX Trace # ) XXXX, XXXX XXXX Trace # ) XXXX, XXXX XXXX These amounts were debited from XXXX XXXX  account however these were not credited into Bank of America Account. 
We have been continously following up with XXXX XXXX and Bank of America to either transfer this amout to BOA or return it to XXXX XXXX account. But still there is no resolution from either bank. 
All the correspondance is as attached for 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 explanation