vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B and i need these accounts blocked and removed off my credit report. DPT EDXXXX Account # XXXX XXXX, DPTED/XXXX  Account # XXXX XXXX, XXXX XXXX  Account # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
They violated my rights as a consumer under 15 USC 1681B and i need these accounts blocked and removed off my credit report. DPT EDXXXX Account # XXXX XXXX, DPTED/XXXX  Account # XXXX XXXX, XXXX XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NJ

Complaint narrative:
Account on my report that does not belong to me Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to fight this matter Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NJ

Complaint narrative:
Account on my report that does not belong to me Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to fight this matter Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization

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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NBT BANCORP INC.
State: MA

Complaint narrative:
I am filing a complaint on behalf of my XXXX mother, who was charged {$76.00} by a fraudulent company advertising on XXXX. She never received the goods. Every six months I do an audit of the account and found a transaction. I am listed on the account that she uses. 

We filed a dispute with NBT Bank Transaction Inquiry {$73.00} charged on XX/XX/year> for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking ID XXXX, dispute filed XX/XX/year>. To date, it remains unresolved, and no clear explanation or resolution has been offered, despite repeated follow-ups. They have copies of my correspondence with the disputed transaction company that say there was not an order placed. However they clearly took money through a transaction via XXXX credit card purchase. 

This violates Regulation E, which requires disputes involving unauthorized or fraudulent charges to be investigated and resolved within 90 days. We have waited over 12 months. 

My mother is a vulnerable senior citizen, and I believe her financial safety has been neglected. The banks continued failure to address this matter is both unacceptable and harmful.

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 2025-06-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: GA

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 explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
Starting on XX/XX/XXXX - XX/XX/XXXX Bank refused service to those with XXXX or XXXX, ultimately leading to a XXXX Charge against them which is XXXX, XXXX. 

Then the XXXX Investigator XXXX and XXXX XXXX XXXX got prejudice because complaints were being launched against them too for not turning over payments under Structured Settlements. 

The abuse was so bad I had to change my number over 30 times, sleep outside, I was XXXX  in shelters, beaten by the police and had things like my wallet stolen twice by XXXX ( Once at the State House and the Other at XXXX XXXX XXXX XXXX New York State Courts Electronic Filing ( NYSCEF ) Affirmation of Attendance for XXXX XXXX XXXX XXXX XXXX  Name ( print legibly ) : XXXX Email address : Attorney XXXX. # : XXXX XXXX ( XXXX ) : XXXX  This program has been approved for XXXX  hour ( XXXX ) of CLE credit in : XXXX  In order to receive credit, you must complete either the attendee affirmation ( A ) OR the instructor affirmation ( B ). 
A. Affirmation for Attendees By signing below, I certify I attended the above program in its entirety and received all corresponding written materials. Accordingly, I request a Certificate of Attendance awarding the appropriate number of New York XXXX credits for attending this program. 
XXXX  XXXX  Signature Date XXXX  XXXX  Signature Date B. Affirmation for Instructors By signing below, I certify that I served as an instructor for the above program. 
Accordingly, I am requesting a Certificate of Attendance in accordance with the XXXX  Rules regarding Credit for Speaking and Teaching Activities. See XXXX XXXX XXXX ( XXXX ). 
Is this the first time you have served as an instructor for the above program in your current XXXX reporting cycle? 
Choose XXXX : Yes/ No Rev XX/XX/year> XXXX Instructions for Submitting Affirmations Sign, date, and submit the completed affirmation to XXXX within 48 hours of the programs conclusion ( by at ). If your affirmation is not submitted as directed, it may not be processed.

In accordance with the New York State XXXX  Boards Regulations, a Certificate of Attendance, indicating your earned XXXX  credit, will be emailed to you within 60 days of the date your completed affirmation is received by the New York State Judicial Institute. This 60 days starts 2 weeks from the date of the session. 

The XXXX protects individuals with XXXX from employment discrimination and provides guidance on reasonable accommodations in the workplace. Employers can not discriminate against job applicants or employees based on their XXXX status, including refusing to hire or promote them, forcing them to take leave, or retaliating against them. XXXX is considered a XXXX under the Americans with Disabilities Act ( ADA ), and individuals with XXXX are entitled to reasonable accommodations if their job performance is affected by their condition

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX I came across these negative accounts reporting on my credit report in XXXX XXXX. I asked that you immediately remove it from my credit file as soon as possible as I am a victim of identity theft and did not give any authorization whatsoever please remove!

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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2025-06-09 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: FL

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 TransUnion 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 fradulent, Inaccurate, and false Information consists or a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at bridgecrest credit company on XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 non-monetary relief
Consumer complaint received 2025-06-09 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: NV

Complaint narrative:
I was a victim of identity thesft and I filed a report on XXXX and I have report I asked credit bureaus to plz verify and validate info and they have not provided anything to my letters and numerous attempts to get these items removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NV

Complaint narrative:
I was a victim of identity thesft and I filed a report on XXXX and I have report I asked credit bureaus to plz verify and validate info and they have not provided anything to my letters and numerous attempts to get these items removed

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-06-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I know an unauthorized inquiries from Equifax.From XXXX XXXX XXXX XXXX dating from XXXXI never gave this credit company my information.Equifax Wont help remove this inaccurate dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) regarding a bankruptcys that is being inaccurately reported on my credit report. 

XXXX XXXX bankruptcy # XXXX XXXX  XXXX banktuptcy # XXXX I contacted the XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI directly and was informed that the court does not furnish consumer data or verify bankruptcy records with credit bureaus. Despite this, Experian is continuing to report a bankruptcy under my name without proper verification, in direct violation of FCRA 611 and FCRA 607 ( b ), which require the accuracy and verifiability of all information. 

I requested the method of verification and the furnishers name, as required by law. To date, I have not received adequate documentation showing that this record was furnished or verified through proper channels. 

I also cited Metro 2 reporting standards, which require EOSCAR compliance and the use of an XXXX XXXX XXXX  ( XXXX  ) for disputes. These were not provided either. 

I am requesting that the CFPB investigate this matter and compel the credit reporting agencies to remove this unverifiable bankruptcy entry from my 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 2025-06-09 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: SC

Complaint narrative:
Experian has sold information pertaining to when I get paid, bank account information, variations of my name, addresses that put me in a position for fraudulent activity etc

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 2025-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I was baited in thinking my renewal fees as lowering payments, Ive already paid almost XXXX back and still the principal balance hasnt changed and Im being charger {$150.00} daily late fee for not being able to pay high interest rates!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: OK

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
They did Not disclose that my contract is false lending and monetized and received full payment and opened a fraudulent lease without my consent! They took my vehicle without disclosure. They had no right and falsely claimed the vehicle under false pretenses and breach of truth lending act!

Company response to consumer: Closed with explanation