vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-15 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: GA

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 XXXX XXXX XXXX. 

XXXX XXXX  - XXXX XXXX  - XXXXXXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi, my name is XXXX XXXX. I recently applied for A complex apartment a couple days ago, which they had turned me down because of the two evictions that I have on my rental history I have filed an FTC report for it to be removed. XXXX had removed it from their platform and also a couple of others had removed the XXXX evictions. One of the eviction is XXXX XXXX in XXXX XXXX and the other XXXX at sunny side village in XXXXXXXX XXXX  off their platform .. due to FCRA XXXXaw Its against the law to leak anybody personal information to a second credit bureau. No, its against the consumer law if the consumer did not consent or have a wet signature to release their information to any credit reporting agency it is against the FCRA law. I had called my nearest XXXX XXXX XXXX XXXX House to find out if they had submitted my personal information to the credit bureaus they stated that they are not allowed to send nobodys personal information to any credit agency reporting or the second credit reporting because its against their law to send out anybodys information And they will get penalized for sending out personal information that was not consent by the consumer!!

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 2025-05-15 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:
Equifax is inaccurately reporting the XXXX XXXX XXXX XXXX XXXX XXXX account ( ending in XXXX ) with materially false, conflicting, and unverifiable information. 

The account shows inconsistent dates for account opening, last payment, charge-off, and closure all of which differ between sections of the report. Equifax also continues to report late payment notations and charge-offs long after the actual delinquency, which constitutes illegal re-aging in violation of FCRA 623 ( a ) ( 5 ) and Metro 2 guidelines. 

I submitted prior disputes, but Equifax failed to verify the information lawfully under FCRA 611 ( a ) ( 1 ) ( A ) and has not provided any written notice as required under FCRA 623 ( a ) ( 7 ) and 615 ( b ).

I am now submitting a formal complaint to the CFPB and preparing to deliver a Cease and Block demand package to Equifaxs registered agent if the matter is not resolved immediately.

This situation has caused serious emotional distress and financial harm, including credit denials and damaged standing with creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
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 non-monetary relief
Consumer complaint received 2025-05-15 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I simply want to change my personal address to continue receiving the monthly check on the account set up by my Great uncle. It has been impossible to contact anyone who can make the change. I've had the problem before and had to contact the person overseeing trusts for the federal government. My check comes the first week of each month from the Account of XXXX XXXX XXXX -- XXXX. It was originally handled by the XXXX  XXXX XXXX XXXX XXXX in XXXX, Illinois. The current check was signed by XXXX XXXX. I tried to reach her but was not successful in getting her number. All I want to do is change my previous address to my current address. The check is always made out XXXX XXXX XXXX. My previous address was XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. XXXX My new address is XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl. XXXX. Please help me get the address changed. Thank you.

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 2025-05-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-05-15 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 am disputing the reporting of a closed account from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is currently listed on my TransUnion credit report with a past-due balance of {$10000.00}, XXXX days late status, and marked as a profit and loss write-off. The account was closed on XX/XX/year>, yet continues to report derogatory activity and a high utilization rate of 98 %, which is inaccurate and materially misleading. 

I previously disputed this account and the creditor marked the dispute as resolved, yet they failed to update or correct the inaccurate and harmful data. This reporting violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681e ( b ) : TransUnion has failed to maintain reasonable procedures to ensure maximum possible accuracy.

FCRA 1681i ( a ) : No evidence has been provided to verify the account status, balance accuracy, or delinquency claims, making the information unverifiable.

FCRA 605B : If this account resulted from identity theft or is disputed with supporting documentation ( e.g., FTC Identity Theft Report ), it must be blocked within 4 business days.

This account is damaging my credit profile due to inaccurately reported derogatory marks after closure, improper or incomplete reinvestigation, and what appears to be account re-aging. I am requesting that TransUnion be ordered to permanently delete this account and confirm the deletion in writing.

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 2025-05-15 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-15 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 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 2025-05-15 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: IL

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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
XXXX is charging me for an internet router, which I've already returned. I've called XXXX many times, but the representatives haven't solved any problem when investigating the router 's location. XXXX has the appropriate technological resources to search for and locate this router. I have the Admin IP addressXXXX I also have the IME : XXXX. I took a picture of the router before delivering in person it to the XXXX office in XXXX, Pennsylvania.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: OH

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Hello i submitted multiple disputes this is a charged off account with bethpagefcu which has switched to fourleaf bank i spoke to more than XXXX representatives about paying this debit i was told because it is a charged off account they do not accept payment however they still report every month negative to my credit report I have been trying to get the matter handled since XXXX of XXXX XXXX representative informed me that ill be still getting negative reports for XXXX years

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 2025-05-15 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: NM

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 non-monetary relief
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Subject : URGENT DISPUTE & DELETION REQUEST DUE TO DATA BREACH EXPOSURE & ILLEGAL REPORTING PRACTICES To Whom It May Concern, This letter serves as a formal dispute and immediate deletion request of the accounts listed below. I am a victim of multiple national data breaches, and as a result, my personal and financial data has been exposed, compromised, and potentially used to open or manipulate fraudulent accounts.

The following derogatory accounts are unverified, lack any signed agreement from me, and are unlawfully reporting : XXXX XXXX Acct # : XXXX Collection {$700.00} XXXX Acct XXXX : XXXX Charge-off {$520.00} XXXX  Acct # : XXXX Charge-off {$0.00} XXXX  Acct # : XXXX Charge-off {$410.00} XXXX Acct XXXX : XXXX Charge-off {$0.00} XXXX XXXX XXXX Acct # : XXXX Charge-off {$600.00} XXXX XXXX XXXX Acct # : XXXX Charge-off {$250.00} XXXX XXXX  Acct # : XXXX Charge-off Under FCRA 1681c-2 ( a ), I have the right to request the blocking and permanent deletion of information resulting from identity theft or data misuse. Furthermore : Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), re-inserting deleted information without written notice and certification of accuracy from the furnisher is illegal. If any of these accounts were previously deleted and reinserted without proper legal steps, you are in direct violation of the FCRA.

Under FDCPA 15 U.S. Code 1692g ( b ), I demand full validation of these debts, not just verification.

Under UCC 3-501 ( b ) ( 2 ) and UCC 1-308 , I am formally requesting a legally binding signed agreement with my wet signature, as well as the full chain of assignment from the original creditor to the current furnisher or collector.

You are legally obligated to investigate and remove these accounts within 15 calendar days of receiving this letter. I reserve all rights under FCRA, FDCPA, UCC, and consumer protection laws, and if this matter is not resolved immediately, I will : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) File a complaint with the Federal Trade Commission ( FTC ) File a civil lawsuit for violations of FCRA 1681n and 1681o, for negligent and willful noncompliance, emotional distress, and defamation.

Let this serve as your final notice. You are now under legal obligation to validate or delete these disputed entries. I will not tolerate inaccurate, reinserted, unverifiable data damaging my creditworthiness due to your failure to maintain data integrity following a national crisis of breaches. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX 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