vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is currently reporting multiple derogatory accounts on my credit file that I strongly dispute as inaccurate, unverifiable, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). These entries include a charge-off from XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX, with a balance of {$3100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX, with a reported {$0.00} balance but still marked as derogatory ; XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX, with a balance of {$7600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, with a balance of {$3300.00} ; XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, with a balance of {$1000.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX, with a reported balance of {$2800.00}. 

I have not received any verifiable documentation from Equifax or any of the furnishers to prove the validity, ownership, or accuracy of these accounts. In particular, XXXX continues to be flagged as derogatory despite showing a {$0.00} balance, which is misleading and serves no purpose other than to harm my creditworthiness. The XXXX XXXX and XXXX entries are also extremely aged and may fall outside the permissible reporting window under 15 U.S.C. 1681c ( a ), depending on the actual date of first delinquencyinformation Equifax has failed to provide or confirm. Furthermore, the recently reported IMPRINT PA account raises concerns about data reliability, as I was never properly notified or provided any proof of this alleged obligation, which leads me to believe that some of this reporting could be the result of data compromise or a broader breach affecting consumer files.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significa
nt concerns regarding Equifaxs failure to conduct proper investigations. In a lawsuit filed by the CFPB, Equifax is alleged to have engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to comply constitutes a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 TX XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Account XXXX XXXX XXXX Dear XXXX Dispute Department , I am writing to formally dispute inaccurate information listed on my XXXX credit report. The account in question is listed under XXXX XXXX XXXX, reporting a balance of {$660.00}, with a last update of XX/XX/year>. This account is incorrect and is negatively impacting my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX  is required to report only information that is complete, accurate, and verifiable. I am formally requesting that XXXX  conduct a full investigation and remove this erroneous entry from my credit report immediately. 

Please provide written confirmation of the outcome of your investigation. If this account continues to be inaccurately reported. 

I have included copies of documentation supporting my claim [ modify this sentence as needed based on what you include, e.g., such as account closure notices, billing statements, or identity theft affidavits. 

I expect a written response within the timeframe required by law. Please send your response to the address listed above. 

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 2025-06-10 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: CO

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$330.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$470.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$22000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
FTC Advisory Opinion Harold R. Hawkey ( 1998 ) : A creditor may not access a consumer report without intent to initiate a transaction or provide a legitimate offer of credit.

To unauthorized inquiries replaced on my credit profile from XXXX XXXX. There were no transactions made for these inquiries to be placed there I never received anything for these business transaction.

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 2025-06-10 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDNELNET ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDNELNET ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Fraudulent Accounts and Inquiries Immediate Action Required ( SSN : SS # : XXXX ) To Whom It May Concern : I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies.

Fraudulent Inquiries : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> These accounts and inquiries were not authorized by me and must be removed from my report immediately.

Failure to Act : If these fraudulent accounts and inquiries are not deleted, and an updated consumer report is not sent to me promptly as mandated under 15 USC 1681c-1 ( 2 ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX  ( XXXX  ) State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights.

Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security card FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent.

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 2025-06-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am writing in response to your [ letter/phone call ] regarding the collection on my credit report. I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1. Proof that I owe the debt : The name and address of the original creditor, the date the debt was incurred, and a copy of the original agreement. 2. The amount of the debt : An itemized statement of the account, including the principal, interest, fees, and any other charges. 3. Proof of your authority to collect : Documentation showing that you have the legal right to collect this debt. I request that all communication regarding this matter be in writing and that you cease any further contact until you have provided the requested validation. Thank you for your prompt attention to this matter. Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In early XXXX, Bank of America was notified of the death of my father and placed the account into a credit only status. Blocking any debit, which I agree, but also accepting deposits instead of returning them to the sender. Fast forward a few months after we have possession of the legal documents through probate, Bank of America is still holding our money hostage and making excuses as to why they cant transfer money internally from my deceased fathers account to the newly created estate account within their system. Citing reasons as no way to escalate or its another department as excuses. The local branch manager depts not have the authority to make any disbursements either. The entire process is designed to be extremely frustrating on purpose.

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 2025-06-10 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Subject : Cease and Desist Due to Failure to Validate Alleged Debt To Whom It May Concern, I am writing in response to your attempts to collect a debt allegedly owed by me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I previously requested validation of this alleged debt. To date, you have failed to provide proper documentation or verification as required by federal law. 

As such, you are in violation of the FDCPA, which prohibits continued collection activities until the debt has been properly validated. Your continued contact regarding this matterdespite your failure to meet your legal obligationconstitutes harassment and unlawful collection conduct. remove from all credit reporting agencies Therefore, I am demanding that XXXX XXXX XXXX immediately cease and desist all collection efforts, including phone calls, letters, emails, or any communication concerning this unvalidated debt. If you continue to pursue collection without first providing the required documentation, I will not hesitate to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Notify the North Carolina Attorney Generals Office Pursue all available legal remedies, including monetary damages and attorney fees, under the FDCPA Let this letter serve as formal notice that you are to cease and desist all contact with me regarding this matter. All future communication, if any, must be in writing and must include complete documentation validating the alleged debt, as originally requested. 

I am keeping a record of all correspondence. You are now legally on notice.

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 2025-06-10 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
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 Subject : Formal Dispute of Inaccurate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Amount : {$6100.00} Date Reported : XX/XX/XXXX Dear XXXX  Dispute Department, I am writing to formally dispute inaccurate information currently listed on my Equifax credit report. The account in question is reported by XXXX XXXX XXXX XXXX XXXX, with a balance of {$6100.00}, and a last reported date of XX/XX/XXXX. 

I do not recognize this account and do not believe it is accurate. This item is negatively affecting my credit file. Under the Fair Credit Reporting Act ( FCRA ), XXXX  is required to report only information that is complete, accurate, and verifiable. Therefore, I am requesting that this account be fully investigated and removed if proper documentation and verification can not be provided. 

Please provide written confirmation of the results of your investigation. If this information can not be verified, it must be deleted from my credit file under the law. 

I expect a written response within the timeframe established by law. Please send all correspondence to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response