vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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:
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 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 2025-05-09 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:
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 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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover Bank has failed to resolve my ongoing fraud dispute involving XXXX unauthorized transactions on my XXXX XXXX Account ending in XXXX. 

Despite claiming to have conducted two investigations ( in XX/XX/XXXX and XX/XX/XXXX ), Discover has not provided any transaction-level documentation, surveillance footage, merchant responses, or PIN verification evidence as required under Regulation E of the Electronic Fund Transfer Act ( EFTA ) XXXX Instead, Discover continues to assert the transactions are valid without meeting the burden of proof. 

I have made multiple requests to receive documentation regarding their determinations, including any geolocation, IP, or device-based evidence allegedly linking the transactions to me. No such evidence has been provided to date. Furthermore, Discover closed my account following these repeated fraud claims, raising the concern of retaliatory conduct in response to protected consumer activity. 

I am formally requesting CFPB oversight and intervention to compel Discover to provide full documentation of its findings, justify its decisions, and ensure the investigation meets legal standards. I am also represented by The XXXX XXXX XXXX for potential legal action regarding Discovers handling of this matter. 

This issue remains unresolved and I am seeking immediate regulatory support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This letter serves as a formal demand for immediate correction or deletion of the above-referenced account that you have reported to the credit bureaus. Upon review of my credit report, I have identified significant and unlawful inaccuracies regarding your reporting practices under the Fair Credit Reporting Act ( FCRA ), specifically related to the missing Date of First Delinquency ( DOFD ). 

FCRA Violation Failure to Accurately Report DOFD As you are undoubtedly aware, Section 623 ( a ) ( 5 ) of the FCRA requires debt collectors to accurately report the DOFD to credit reporting agencies within 90 days of initially reporting the account. Your failure to include this critical date not only misrepresents the status and history of the debt but also extends the negative impact on my credit profile far beyond the legally permitted seven-year timeframe.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This letter serves as a formal demand for immediate correction or deletion of the above-referenced account that you have reported to the credit bureaus. Upon review of my credit report, I have identified significant and unlawful inaccuracies regarding your reporting practices under the Fair Credit Reporting Act ( FCRA ), specifically related to the missing Date of First Delinquency ( DOFD ). 

FCRA Violation Failure to Accurately Report DOFD As you are undoubtedly aware, Section 623 ( a ) ( 5 ) of the FCRA requires debt collectors to accurately report the DOFD to credit reporting agencies within 90 days of initially reporting the account. Your failure to include this critical date not only misrepresents the status and history of the debt but also extends the negative impact on my credit profile far beyond the legally permitted seven-year timeframe.

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Dear National Credit Adjusters LLC, Re : Debt Validation Claim Request under the Fair Debt Collection Practices Act ( FDPCA ) - 15 USC 1692g I am writing to formally request validation of the debt referenced by account ( NCA has not provided an account number ) in accordance with the Fair Debt Collection Practices Act ( FDPCA ), specifically 15 USC 1692g.

Please provide the following information regarding this account : - A full detailed list of the payment history of this account - A copy of the original signature that I agreed to on the contract for this creditor - Information on whether there has been any insurance claim associated with this debt - A complete chain of title that demonstrates your right to collect on this debt As per the FDPCA, you are required to respond to this request within 30 days of receipt. Failure to provide the requested validation may result in your inability to collect this debt, and I may dispute this debt with the Credit Reporting agencies. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-05-09 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: OH

Complaint narrative:
To Whom It May Concern, RE : Request for Immediate Deletion of Inaccurate Account Information from Credit Report Complaint # XXXX I am writing in regard to a collection account being reported by Hunter Warfield , Inc. on my credit file, associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and identified under Complaint # XXXX. This letter serves as a formal dispute of the validity and accuracy of this account, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

Hunter Warfield is reporting a debt of {$14000.00}, which I assert is inaccurate and unsubstantiated. The charges in question arise from excessive and undocumented fees related to an extended lease at a property in Georgia. I did not receive a final accounting of the charges, nor was I refunded the security deposit as required by Georgia law ( O.C.G.A. 44-7-33 ), which mandates proper notification and itemization of any deductions. Despite my formal dispute, Hunter Warfield continued collection efforts without providing the legally required debt validation. 

Additionally, Hunter Warfield admits in its own records that no verification or dispute requests were received prior to the complaint, despite my prior efforts to communicate my concerns. This contradicts the spirit and letter of the FDCPA and the FCRA, which require accurate reporting and proper validation of any alleged debt. 

Given the failure to substantiate the debt, the ongoing damage to my creditworthiness, and the fact that this matter remains unresolved and contested, I respectfully request that this collection item be immediately removed from my credit report. Continued reporting of this disputed and unverifiable debt is a violation of my consumer rights and subjects Hunter Warfield to potential liability under 15 U.S.C. 1681n and 1681o.

If you are unable to validate the debt with legally sufficient documentation, including a signed agreement, full itemized breakdown, and proof of notice of deposit deductions within the statutory timeframe, you must delete this account from all consumer reporting agencies to whom it was furnished. 

Please confirm in writing that the account has been deleted from my credit report, or provide detailed evidence that legally substantiates the debt and your authority to report it. Absent this, I will be compelled to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. I have requested they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if these are actually accounts that belong to me.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reported a fraud issue w/ my credit report that Equifax had removed. However, they did not immediately update my credit report to reflect the updated information. They made me wait almost 3 weeks for them to produce the updated report. Why is Equifax the only credit bureau that does not produce a credit report on demand nor on a timely basis? I have not figured out the time intervals for them to generate a new credit report because they surely aren't generated monthly either. I say this to point out that it seems almost intentional that Equifax keeps old and outdated information displayed for as long as possible.

So today, I log into my Equifax account expecting to see my updated report and now NO information is displayed for my credit report in any section : ( ie. Personal Information, Revolving Credit Accounts, Mortgage, etc. ) I have attached screenshots illustrating the issue. 

I am also attaching proof of my identity so that my credit report is once again, visible. Please update my credit report at your earliest convenience. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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 explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I opened an account at M & T Bank with the bonus XXXX XXXX in XXXX, which said that I could earn {$500.00} bonus if I could do direct deposits totaling of {$1000.00}. After I opened the account, I made a call to the customer support, and they said that the bonus code was applied. So then I made all of the direct deposit requirements and waited for the bonus. However, they said that I was not qualified for the bonus because the bonus code was not applied ( contradict to the information I have got ), and they said there was no bonus code in XXXX ( totally liar, please check this website XXXX XXXX XXXXXXXX ) Never have encountered such a frauding bank as M & T bank is. Please help me and punish 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 monetary relief
Consumer complaint received 2025-05-09 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: Byrider Franchising, LLC
State: NC

Complaint narrative:
I am filing this complaint against XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. Despite submitting two detailed reinvestigation requests - dated XXXX XXXX, and Account previously in dispute - investigation complete, reported by data furnisher XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX - to XXXX the credit bureau has failed to ensure the maximum possible accuracy of my credit report as required by 15 USC, 1681e ( b ), failed to properly reinvestigate and modify disputed information under 151681i ( 5 ), and failed to enforce accurate reporting by data furnishers under 15 USC 1681s-2. These violations have resulted in persistent inaccuracies in my credit file, including incorrect account details, outdated personal information, and unauthorized inquires. I request the immediate removal of all disputed items from my credit report due to XXXX non-compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 non-monetary relief