vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-21 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: MA

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 



XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : 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 2025-05-21 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: MA

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 



XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : 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 2025-05-21 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed in Accordance with 28 U.S.C. Sec. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

809. Validation of Debt [ 15 U.S.C. 1692 ( g ) ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection [ a ] that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor is mailed to the consumer by the debt collector. 


This notice for proof of claim has been sent to Exeter XXXXinance 3 times within 30 days, non response from the recipient. In accordance with 15 U.S.C. 1692 ( g ) ALL collections are ceased and Exeter Finance can not place any negative remarks on my credit until validation of debt has been satisfied. A court case has been filed at Southern District Court of Mississippi 3:25-cv-129 because of lack thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
Please see the letter attached. They are refusing to correct my credit report.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing multiple inaccurate and inconsistent account entries on my credit report. I previously submitted disputes directly to the credit bureaus under the Fair Credit Reporting Act ( FCRA ), but they failed to correct or verify the information. Several accounts still reflect conflicting or unverifiable data across Experian, Equifax, and TransUnion. 

Here are the discrepancies I've identified : Inconsistent balances and statuses ( e.g., one bureau reports an account as " charged off '' while another shows it " closed '' ).

Different delinquency dates, last activity dates, and payment histories for the same account. 

Missing or incomplete account information making it impossible to validate accuracy. 

Accounts marked open on one bureau and closed or charged off on another. 

Some of the accounts involved include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, etc. ) XXXX XXXX / XXXX Because the credit bureaus have failed to reasonably investigate or validate the accuracy of these items, I am requesting the CFPBs assistance to review these discrepancies and help ensure only accurate, consistent, and verifiable information remains on my credit report.

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 2025-05-21 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: NC

Complaint narrative:
I am disputing multiple inaccurate and inconsistent account entries on my credit report. I previously submitted disputes directly to the credit bureaus under the Fair Credit Reporting Act ( FCRA ), but they failed to correct or verify the information. Several accounts still reflect conflicting or unverifiable data across Experian, Equifax, and TransUnion. 

Here are the discrepancies I've identified : Inconsistent balances and statuses ( e.g., one bureau reports an account as " charged off '' while another shows it " closed '' ).

Different delinquency dates, last activity dates, and payment histories for the same account. 

Missing or incomplete account information making it impossible to validate accuracy. 

Accounts marked open on one bureau and closed or charged off on another. 

Some of the accounts involved include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, etc. ) XXXX XXXX / XXXX Because the credit bureaus have failed to reasonably investigate or validate the accuracy of these items, I am requesting the CFPBs assistance to review these discrepancies and help ensure only accurate, consistent, and verifiable information remains on my credit report.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Request to remove accounts from Credit Consumers Dear I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : Bank of America Account # XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 


Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 


Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 


Thank you for your attention to this matter. I look forward to your prompt response. 


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 2025-05-21 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:
Since I am not associated with this unauthorized account, I request that it be immediately removed from my credit report. I also ask for a comprehensive examination to fix any more errors.

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 2025-05-21 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: CA

Complaint narrative:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my report right away. I was made aware of a lawsuit filed by the CFPB against the credit bureaus alleging that consumer disputes are not being handled correctly. I request my dispute be handled per the lawsuit guidelines, if not, please include me in the lawsuit against the credit bureaus. Please remove this account from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian, which supposed to be a credit reporting agency which it is called Experian XXXX, it claims to raise your credit score higher in its advertisement which was around six months ago, I don't know what date. Then they display credit cards that I could qualify for, or that matches my credit score and and it turns out that those credit cards are for people that have good or excellent credit, not bad credit or poor credit, I tried one like XXXX XXXX and I applied and they turned me down, they lied so I stopped doing business with them.

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 2025-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern at Amsher Collection Services, XXXX XXXX the Texas State Attorney Generals Office , and the United States Consumer Financial Protection Bureau : Subject : Formal Dispute of Debt XXXX Account {$580.00} XXXX Reporting Dear Representatives, I am writing to formally dispute a debt that is currently being reported to XXXX in the amount of {$580.00}, allegedly owed to XXXX and currently placed with Amsher Collection Services, located at XXXX XXXX XXXX, XXXX, Alabama XXXX 

This debt is being reported incorrectly and unfairly, and I request immediate removal and correction of this derogatory item. 

Here are the relevant facts : The phone in question was lost, and we promptly contacted XXXXXXXX XXXX Consumer Division to report it. 

XXXX acknowledged the loss and confirmed it would be investigated and removed from our account. 

Despite assurances from XXXX XXXX this alleged debt remains reported with XXXX only, not with other credit bureaus. 

XXXX previously stated this charge would be deleted, yet Amsher Collection Services is still pursuing it. 

This reporting is causing significant punitive damage to my credit profile. I am currently recovering from a recent divorce and actively in the process of purchasing a home. This derogatory account is hindering my ability to secure financing, resulting in repeated credit denials. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : Immediate cessation of collection activity related to this account until it is fully investigated. 

A full investigation and verification of the alleged debt, including documentation from XXXX. 

Deletion of the account from all credit bureaus if it can not be fully verified. 

Notification in writing of the outcome of your investigation. 

Please be advised that I am also filing a formal complaint with the Texas State Attorney Generals Office and the Consumer Financial Protection Bureau ( CFPB ) to ensure this matter is appropriately investigated and resolved. 

Enclosed are any supporting documents, including prior communication with XXXX, and a copy of my credit report showing the disputed entry. 

This letter serves as official notice of my dispute and complaint. I request that your offices act promptly to resolve this matter and prevent further harm to my credit file. 

Thank you for your immediate attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I settled a debt with TD Bank through XXXX XXXX on XX/XX/year>, paying {$250.00} to resolve an original balance of {$440.00}. TD Bank agreed to this as full settlement. 

However, instead of immediately updating the account to reflect Settled {$0.00} balance, TD Bank told me they follow a practice of first reporting the unpaid balance ( the {$190.00} difference ) for one cycle, and only correcting it in the next reporting cycle. 

This is a knowing and willful misrepresentation. TD Bank admitted they were aware the debt was settled, yet chose to report a balance due even temporarily which is a violation of FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I don't recognize the debt. didn't apply for credit card, only for stores, for example, XXXX XXXX XXXX XXXX. They're also charging me for another XXXX XXXX I never applied for that one. I only Hve it in XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with 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