vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: KS

Complaint narrative:
There are several companies on my report from which I do not currently have accounts and there are numerous inquiries from the past two years which were not requested from myself or any companies in which I requested credit

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 2025-05-20 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:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-20 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-20 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: EQUIFAX, INC.
State: WI

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a disabled veteran who suffers from PTSD, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future.

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern : Subject : Urgent Personal Information Dispute and Correction Request I am writing to dispute and correct the inaccurate and outdated personal information currently being reported on my credit profile. As required by the Fair Credit Reporting Act ( FCRA ), all information included in my credit file must be complete, accurate, and up to date. The following data does not reflect my correct identity or residence history and must be permanently removed from your records : CORRECT PERSONAL INFORMATION ( to remain ) : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Email : XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX Bank, NA TRANSUNION REMOVE IMMEDIATELY : Current Address ( es ) : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Employer Correction : Replace XXXX XXXX bank with XXXX XXXXXXXX XXXX XXXX  Remove First Horizon EXPERIAN CORRECTIONS REQUIRED : Correct Date of Birth : XX/XX/XXXX ( not just XXXX ) Correct Name : XXXX XXXX XXXX ( not XXXX XXXX ) Remove Current Address : XXXX XXXX Ct, XXXX, NC XXXX Remove Previous Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, NC XXXX XXXX Correction : Remove duplicate employer listings XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX List only : XXXX XXXX Bank, XXXX EQUIFAX XXXX REQUIRED : XXXX XXXX : XXXX XXXX XXXX ( not XXXX XXXX ) Remove XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX DE XXXX XXXX XXXX  XXXX XXXX, XXXX, NC XXXX XXXX Correction XXXX Only report XXXX XXXX XXXX, XXXX I am formally requesting that each of the above-mentioned credit reporting agencies immediately delete or correct the inaccurate and outdated information listed. Please ensure that only my correct, verified personal information remains on file. 

Under FCRA 609 and 611, I am entitled to a reasonable reinvestigation of disputed personal data and expect a written confirmation of your actions within 30 days of receipt of this letter. 

If this matter is not resolved promptly and accurately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general for non-compliance. 

Attached you will find : A copy of my government-issued ID A bank statement verifying my current address Highlight of my consumer report reporting inaccurate information Thank you for your attention to this matter. I look forward to your written confirmation that these corrections have been completed. 

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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
My wife was put on flma for 12 weeks during XXXX XXXX. When she return to work we have tried for 6 month with bank to help us with the arrears. They refused now they are setting us for foreclosure. We are back whole and can pay morgage but don't have the cash to pay arrears.

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 2025-05-20 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute the fraudulent Capital One credit card account reflecting a balance of {$520.00} that has been reported on my credit file. I did not apply for, authorize, open, possess, or use this account, and therefore, I am not liable for any charges associated with it. 
I have previously written to both Capital One and XXXX  to explain this situation. To date, I have not received any documentation verifying my consent, authorization, or signature related to this account. Despite my repeated requests, neither Capital One noXXXX XXXX has provided proof that I applied for or agreed to this account in any capacity. 
This account is fraudulent and is negatively impacting my credit, hindering my ability to secure legitimate credit for which I have actually applied. I demand that : Capital One immediately investigates this account, provides any and all documentation they claim supports my ownership of it, and formally removes any association of it with my identity if no such evidence exists. 
XXXX removes this account from my credit report immediately, as it is clearly fraudulent and unsubstantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The debt collection agency ( XXXX XXXX XXXX ) call me every day, and text me every day. This is harassment. I know my rights, and the laws, and they are not aloud to contact me daily. That is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: SC

Complaint narrative:
I have now tried twice to communicate with this company. I am sent to my person named XXXX. 
I explained that Im wanting to try and take care if this debt and my current financial situation. 
This debt was from an apartment in California that I wasnt able to pay for after COVID in XXXX. 

This IQ systems is now adding so much money, the debt started at {$7800.00} ish and now he has reported its at {$10000.00}. 
This should be illegal! 
Im trying to take care of this debt and these predatory services are trying to make money on people struggling to do whats right. 
Most importantly when I called both times to try and work something out I was placed on hold and hung up on after not discussing the name of my employer. 
Horrible people to work with!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NE

Complaint narrative:
I am writing to formally dispute an account currently listed on my credit report that I do not recognize or have any association with. After thoroughly reviewing my records, I can confirm that this account is entirely unknown to me and does not belong to me in any capacity.

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 2025-05-20 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: NJ

Complaint narrative:
I have disputed an inaccurate tradeline reported by XXXX XXXX to TransUnion on multiple occasions. TransUnion continues to report that I was XXXX and 60 days late in XXXX and XX/XX/year>, despite the fact that I had no contractual obligation to make payments during those months. These entries are factually incorrect, and I have repeatedly requested verification under 15 U.S.C. 1681i ( 7 ).

TransUnion has not provided any documentation showing I was responsible for any payments during the reported periods. Despite my clear evidence, they have verified the information without a meaningful investigation, which violates their obligation under 15 U.S.C. 1681i ( a ) to conduct a reasonable reinvestigation.

I have now submitted a final dispute letter demanding deletion of the inaccurate data and requesting proof of the original contract or terms requiring payments in the months reported. Failure to respond or correct the record demonstrates noncompliance with 1681e ( b ) ( requiring accurate reporting ) and 1681i ( 5 ) ( requiring deletion of unverifiable information ). 

There is a critical difference between being late on a payment and being 30 or 60 days delinquent. A 30- or 60-day late payment is a formal derogatory mark that can only be reported if I was at least 30 or 60 full days past the agreed-upon due date under a valid contract. Since I had no such obligation during the months reported, this negative reporting is both factually inaccurate and legally indefensible under the FCRA.

TransUnions ongoing inaction and poor investigation practices have caused significant harm to my credit profile and financial standing.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXXXXXX XXXX - XX/XX/XXXX, XXXXXXXX XXXX - XX/XX/XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: AL

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
Advantage financial services threaten me that if I didnt tell them my employer name that they would refuse to set up any kind of payment arrangement and then implied that it may impact my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: AR

Complaint narrative:
Third parties companies are using my information to inaccurately submit information to my consumer report without my written permission and have no proof that written permission was given

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

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! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX listed a charge off on all XXXX credit bureaus Account Number XXXX XXXX  Account Status XXXX Owner XXXX  Account Type XXXX  Creditor Classification - XXXX XXXX XXXX Original Creditor Name XXXX  It is fraud to write it off with the IRS but still reporting it on my credit and damaging my credit. 

I never received a 1099-C from the company itself so in that case I intend to sue. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief