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: ID

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher. 
2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXX 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 2025-05-20 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: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: MI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE CORRECTION OF FALSE LATE PAYMENT REPORTING Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Student Loan * * To Whom It May Concern, This letter is a formal dispute and demand for the immediate removal of all inaccurately reported late payments associated with the above-referenced student loan account. This account is showing three instances of 90-day late payments, which are completely inaccurate, misleading, and illegal, as this loan was in an authorized forbearance period during the entire time in question. Your reporting is a direct violation of : 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) for furnishing inaccurate information. The Higher Education Act, which mandates proper credit reporting for federal student loans. 15 U.S.C. 1692e under the Fair Debt Collection Practices Act ( FDCPA ) for misrepresenting the legal status of a debt. CFPB servicing rules for federal student loans. It is both unconscionable and unlawful to report negative payment history on a student loan account that was legally in forbearance, especially when the account remains in good standing with a {$0.00} past due balance and has never defaulted. IMMEDIATE ACTIONS DEMANDED : I demand that you : Remove all 90 days late marks immediately from this account across all credit reporting agencies. Update the payment history to reflect Pays as Agreed / In Forbearance for the entire disputed period. Send me a written statement confirming this correction has been submitted to XXXX XXXX XXXX XXXX Provide a complete payment history report and status documentation showing when forbearance was applied. Submit confirmation within 15 days from the date of this notice. FINAL NOTICE : If you fail to resolve this matter, I will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), U.S. Department of Education, Federal Trade Commission ( FTC ), and the State Attorney Generals Office. Additionally, I reserve the right to pursue legal action for defamation of credit, emotional distress, and violations of federal consumer protection statutes. You have been notified. This is your opportunity to correct an error that has negatively impacted my credit standing due to your negligence or misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I received a letter on XX/XX/XXXX, dated XX/XX/XXXX, stating that there was an erroneous tax payment that caused me to have an unearned financial benefit to my parcel number. XXXX XXXX XXXX XXXX is requesting a reimbursement of {$1300.00} for property taxes that I paid from my escrow account. The cover letter states the tax year as XXXX, but there was a statement showing tax year as XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX to discuss if there were any outstanding tax liens on this property, parcel ID XXXX and was told no current tax year debt is outstanding. I then called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and discussed the letter that I received from XXXX. The gentleman on the phone stated that there were no outstanding balances on that specific parcel number. He also stated " good luck with them '' when I explained that it was XXXX sending the letter. He said in a very blanket statement that they are very difficult to work with and will make mistakes at the taxpayers ' expense. When I was finally able to call XXXX on XX/XX/XXXX, I spoke with someone who kept saying there was an error. I asked what error could have been made that would require funds to be sent back from XXXX in XXXX of XXXX. The woman was very rude, unhelpful, and would not explain anything. She kept asking me if I received any money from my escrow account after the loan was closed and I said yes, but that was in place for the potential school taxes that were to be paid. She argued and said that it should have been sent to them ( totaling over {$4000.00} ). I am extremely confused as to why I am being asked to pay taxes on a property that has all taxes paid. They caused an issue with the payment of my XXXX taxes which caused a delinquent tax bill, and now they are claiming that XXXX was not paid. As of XX/XX/XXXX all taxes have been paid for XXXX XXXX XXXX, XXXX PA XXXX. I feel as if I am being extorted for more money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I was unable to receive funds. I didnt call but, my client did.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm contacting you regarding fraudulent accounts on my consumer report linked to identity theft. I never authorized these accounts with a wet signature or any written consent. Despite previous communication with your organization, these inaccurate items remain on my report, causing significant emotional and financial distress by misrepresenting my credit history. These fraudulent entries have prevented me from achieving important financial goals like purchasing a home and supporting my family properly.

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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I disputed the accuracy of the derogatory accounts on my credit report with TransUnion, Equifax, and Experian. Specifically XXXX XXXX and XXXX XXXX XXXX  credit cards that are reported as charged off. This is inaccurate. None of the XXXX agencies I disputed with have provided me with written verification of the accuracy of these accounts. I disputed on the following dates via XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

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

Complaint narrative:
I disputed the accuracy of the derogatory accounts on my credit report with TransUnion, Equifax, and Experian. Specifically XXXX XXXX and XXXX XXXX XXXX  credit cards that are reported as charged off. This is inaccurate. None of the XXXX agencies I disputed with have provided me with written verification of the accuracy of these accounts. I disputed on the following dates via XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear TransUnion, I am formally disputing the XXXX XXXX collection account associated with XXXX XXXX XXXX that is reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, TransUnion must ensure that all reported information is accurate, verifiable, and not misleading.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Complaint regarding Ally Financial Auto Loan ( Account ending XXXX ) : Im filing this complaint due to continued inaccurate and inconsistent credit reporting by Ally Financial related to my fully paid and closed auto loan account ( ending XXXX ). 

In XX/XX/XXXX, I mailed Ally Financial a check for the full payoff amount, effectively settling my auto loan obligation. Ally confirmed receipt and returned my vehicle title in XX/XX/XXXX, clearly indicating the loan was satisfied. 

Despite this, Ally Financial inaccurately reported late payments for both XXXX and XX/XX/XXXX, initially as 60-days late, later reducing them to 30 days late after disputes. Additionally, Ally previously removed XX/XX/XXXX and XX/XX/XXXX late payments entirely, acknowledging prior reporting errors. Yet, XXXX and XXXX still unfairly remain on my report. 

Ive tried numerous times to resolve this issue directly with Ally, emphasizing my active checking and savings accounts holding over {$15000.00}. However, they insisted the Auto and Banking divisions operate independently, limiting my ability to seek fair resolution despite my longstanding relationship. 

I respectfully request the CFPB intervene to : 1. Require Ally Financial to fully reinvestigate and permanently remove the incorrect late payments for XXXX and XX/XX/XXXX. 
2. Ensure Ally reports consistently and accurately to XXXX, XXXX, and XXXX 

Resolving this matter accurately reflects the responsible and timely manner in which I satisfied my loan and corrects an unfair impact to my credit history.

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: MI

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission.

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX CREDIT HAVE AN ACCOUNT THAT REPORT TO MY CREDIT REPORT THAT ISNT MY ACCOUNT. I CALL AND SOMEONE SAID THEY WERE GOING TO SEND ME AN EMAIL SAYING THAT MY SOCIAL ISNT NOT DOING BUSINESS WITH THIS COMPANY. ONCE I CALLED BACK THEY SAID THEY CANT HELP

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: DE

Complaint narrative:
I received the below text message on XX/XX/XXXX. I have never had an XXXXXXXX XXXX XXXX  or any credit card issued by the XXXX XXXX XXXX This is a fraudulent attempt to collect debt. The phone number to which this text was sent has been mine since XXXX. 

This text is from Shepherd Outsourcing, a debt collector regarding your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account. Visit XXXX XXXX XXXX Reply stop to opt-out or call XXXXXXXX XXXX  of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. XXXX XXXX XXXX XXXXXXXX Reply STOP to opt out.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My information was found on many Data breaches Incorrect account information is reporting on consumer reports. THIS APPEARS TO BE A NEWLY OPENED ACCOUNT i am requesting that this account be removed it does not belong to me.. 

This account is fraudulent does not belong to me........ 


Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification - Loan Type CREDIT_CARD Original Creditor Name - Months Reviewed - Activity Designator - Terms Frequency MONTHLY Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$610.00} Credit Limit {$750.00} High Credit {$610.00} Available Credit {$130.00} Account Dates Date Opened XX/XX/year>2025 Date Reported XXXX XXXX, 2025 Date of Last Activity XXXX 2025 Date of First Delinquency - Comments and Contact For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE 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 2025-05-20 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: NC

Complaint narrative:
My information was found on many Data breaches Incorrect account information is reporting on consumer reports. THIS APPEARS TO BE A NEWLY OPENED ACCOUNT i am requesting that this account be removed it does not belong to me.. 

This account is fraudulent does not belong to me........ 


Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification - Loan Type CREDIT_CARD Original Creditor Name - Months Reviewed - Activity Designator - Terms Frequency MONTHLY Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$610.00} Credit Limit {$750.00} High Credit {$610.00} Available Credit {$130.00} Account Dates Date Opened XX/XX/year>2025 Date Reported XXXX XXXX, 2025 Date of Last Activity XXXX 2025 Date of First Delinquency - Comments and Contact For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE 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 2025-05-20 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: FL

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

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: 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: TX

Complaint narrative:
I'm contacting you regarding fraudulent accounts on my consumer report linked to identity theft. I never authorized these accounts with a wet signature or any written consent. Despite previous communication with your organization, these inaccurate items remain on my report, causing significant emotional and financial distress by misrepresenting my credit history. These fraudulent entries have prevented me from achieving important financial goals like purchasing a home and supporting my family properly.

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