vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: Early Warning Services, LLC
State: VA

Complaint narrative:
Im writing to formally dispute negative information that currently appears on my consumer report maintained by Early Warning Services , LLC. After reviewing my report, I believe this information is inaccurate, outdated, or can not be properly verified, and Im respectfully requesting its removal. As you are aware, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to ensure that all information included in a consumers file is complete, accurate, and verifiable. The law clearly states : Section 1681i ( a ) : If a consumer disputes information, a reinvestigation must be conducted within 30 days. If the disputed item can not be verified, it must be promptly deleted. Section 1681e ( b ) : You are also required to maintain reasonable procedures to assure maximum possible accuracy in the reporting of consumer information. I'm simply asking for a fair and timely review of this matter. Please provide me with documentation showing how the data has been verified and by whom. If the information can not be verified with full accuracy, please remove it permanently from my report. This situation has made it extremely difficult for me to move forward financially, despite my efforts to do the right thing. I'm asking for your help in resolving this quickly and fairly. I appreciate your time and cooperation in addressing this, and I look forward to receiving confirmation once the necessary corrections are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MD

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section XXXX of the FCRA ( XXXX U.S.C. XXXX ( a ) ), please remove and block them within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX  XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  FINANCIAL Date : XX/XX/year> XXXX  FINANCIAL Date : XX/XX/year> XXXX  Date : XX/XX/year> XX/XX/XXXXDate : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> HMF Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date XXXX XX/XX/year> XXXX  Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$35000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : 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 2025-05-26 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:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$35000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Subject : Challenge of Unauthorized Repossession & Request for Debt Verification Dear I am writing in response to the recent repossession of my vehicle and the alleged debt associated with this event. Upon review of the matter, I have concerns regarding both the legitimacy of the repossession and the unauthorized sharing of my personal information. 
Unauthorized Data Sharing ( 15 U.S.C. 6802 ) It has come to my attention that there may have been unauthorized sharing of my personal or financial data in connection with the alleged repossession. Under 15 U.S.C. 6802, the XXXX XXXX, institutions are prohibited from sharing personal financial information without my explicit consent unless required by law or permissible by certain exceptions. I request that you provide evidence and details showing that my data was shared in compliance with this statute and that all necessary consent or legal exceptions were obtained prior to any disclosures. 
If such authorization was not provided, I request that you cease any further sharing or usage of my personal data in connection with this matter and rectify any violations of my privacy rights. 
Debt Verification

Request ( 15 U.S.C. 1692g ) In addition, under 15 U.S.C. 1692g, also known as the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you validate the debt you claim I owe, which includes providing documentation proving that I am legally obligated to pay the stated amount and that you have the right to collect it.

Therefore, I formally request that you provide : 1. Proof of the original debt, including the name of the creditor, the amount owed, and the original account number.

2. Documentation or contracts that demonstrate my agreement to the terms of the loan, including any fees and charges that may have been added to the debt.

3. The exact date and nature of the alleged repossession, as well as the basis for claiming the debt is valid.

4. Any evidence that shows you have the legal right to collect on this debt, including the chain of title and any assignments from the original creditor.

Please note that under 15 U.S.C. 1692g, you are required to respond to this request within 30 days of receiving this letter. If you fail to provide the requested documentation or if the repossession is proven to be unauthorized, I expect the debt to be fully discharged, and any negative entries related to this repossession to be removed from my credit report.

If you have no legal or valid basis for this repossession, I expect immediate action to return the vehicle [ or property ] to me at no further cost, and any claim of a debt should be canceled accordingly.

Please send all correspondence related to this matter in writing to the address listed above. I expect your prompt attention to these concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
I applied for a school loan around XXXX in 2024. I decided not to attend that school ( XXXX ) and the loan was never used. The school has said on multiple occasions the I do not owe them a balance and XXXX said I do not have a balance with them either and they do not understand why it is still showing on my credit report. I was told to dispute it with EXPERIAN but it was denied. XXXX said Experian never contacted them about this loan so the decision to deny the dispute doesnt make sense. I then logged into my XXXX dashboard and took a picture of my balance of XXXX and disputed it again. They responded to my dispute during a holiday when they are not even open to deny it AGAIN. At this point this is negligence. My credit report shows that I have two open loans with XXXX, one for {$2200.00} and another for {$3000.00}. The status shows as " OPEN/NEVER LATE/DEFERRED PAYMENTS BEGIN XX/XX/XXXX ''. This is is false information on my credit report and it is affecting my credit score.

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 2025-05-26 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: TX

Complaint narrative:
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MN

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : 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 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 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 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 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 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 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 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 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 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is a repeat issue with Bank of America, a chronic offender.

I tried to dispute a charge, was told that I have to do it online. Online is disabled. Its a clear conspiracy by Bank of America to violate consumer law, but refusing disputes online, and on the phone the dont answer.

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 2025-05-26 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:
Upon reviewing my credit record, I discovered several late payment entries that I believe are inaccurate, and despite sending formal validation requests over 30 days ago, I've received no response and no satisfactory validation. This extended silence regarding these disputed entries is concerning as they continue to negatively impact my credit score and financial opportunities, creating ongoing hardship that could have been prevented with proper attention to my initial inquiries.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, XXXX  a letter from an advocacy group helping me due XXXX  XXXX XXXX debt bondage, which falls under trafficking according XXXX Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant XXXX section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a XXXX determination letter according XXXX XXXX ( b ) ( XXXX ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XX/XX/1994.

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 2025-05-26 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:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/scrub> 2025, Balance : {$940.00}

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Verified First, LLC
State: KY

Complaint narrative:
I got a bunch of information on my credit report that is not my information and I need help removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GOLDMAN SACHS BANK USA
State: ND

Complaint narrative:
I am disputing inaccurate information on my credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information they report. The account in question is as follows : Creditor : XXXX XXXX  XXXX Account Number : XXXX The information being reported is inaccurate and is negatively impacting my credit. If the accuracy of this account can not be verified, it must be corrected or removed from my credit report as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: World Acceptance Corporation
State: LA

Complaint narrative:
In XXXX  I took a loan out with XXXX XXXX corporation. It was a secured loan. I defaulted due to medical issues and the secured vehicle was surrender as the full collateral. The loan was charged off and it is now ruining my credit. They got the XXXX XXXX that was well worth over the amount of the loan. I'm tired of being haunted with this. I'm about ready to sue for defamation to my name and the negative effect all of this has had on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has reported inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite previous disputes, Equifax has failed to provide proper validation as required under 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation of disputed information.

Under FACTA Title I, Section 151, consumer reporting agencies must ensure that all reported data is accurate, complete, and properly verified. Furthermore, 15 U.S.C. 6801 of the GLBA imposes a duty to protect the accuracy and confidentiality of consumer information, which includes preventing the dissemination of incorrect data.

Additionally, the Truth in Lending Act ( TILA ), under 15 U.S.C. 1601 et seq., emphasizes the importance of clear and accurate financial disclosures. Any failure to provide verifiable and accurate information not only violates consumer rights but also subjects Equifax to regulatory penalties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC 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