vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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:
XXXXFormal Legal Notice of Intent to Sue for Violation of FCRA  605B** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   TRANSUNION XXXX XXXX XXXX,PA XXXX Intent to Sue for Non-Compliance with FCRA  605B (15 U.S.C.  1681c-2)** Dear TRANSUNION, I am writing to formally notify you of my intent to pursue legal action for your failure to comply with the Fair Credit Reporting Act (FCRA)  605B,\nwhich mandates that you block information resulting from identity theft from my credit report within four business days upon receipt of the relevant documentation. **Fraudulent Accounts in Question:XXXX XXXX XXXX ACCOUNT NUMBER XXXX  DATE OPENED XXXX  BALANCE $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 XXXXThese accounts, along with unauthorized hard inquiries and fraudulent collections, ADRESSES  have been flagged as identity theft. Enclosed isXXXXXXXX Federal Trade Commission Identity Theft Criminal Complaint substantiating the fraudulent nature of these accounts. Your continued failure to block this false information inflicts ongoing damage to my FICO credit report. I demandXXXXimmediate action to block all disputed accounts, collections, and inquiries, AND ADDRESSES within the next four business days, in strict adherence toXXXXthe FCRA. Furthermore, I seek a detailed explanation regarding your verification process, particularly how it failed to address and correct these inaccuracies in my credit report, resulting in harmful ramifications to my creditworthiness.'

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 2025-05-17 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:
XXXXFormal Legal Notice of Intent to Sue for Violation of FCRA  605B** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   TRANSUNION XXXX XXXX XXXX,PA XXXX Intent to Sue for Non-Compliance with FCRA  605B (15 U.S.C.  1681c-2)** Dear TRANSUNION, I am writing to formally notify you of my intent to pursue legal action for your failure to comply with the Fair Credit Reporting Act (FCRA)  605B,\nwhich mandates that you block information resulting from identity theft from my credit report within four business days upon receipt of the relevant documentation. **Fraudulent Accounts in Question:XXXX XXXX XXXX ACCOUNT NUMBER XXXX  DATE OPENED XXXX  BALANCE $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 XXXXThese accounts, along with unauthorized hard inquiries and fraudulent collections, ADRESSES  have been flagged as identity theft. Enclosed isXXXXXXXX Federal Trade Commission Identity Theft Criminal Complaint substantiating the fraudulent nature of these accounts. Your continued failure to block this false information inflicts ongoing damage to my FICO credit report. I demandXXXXimmediate action to block all disputed accounts, collections, and inquiries, AND ADDRESSES within the next four business days, in strict adherence toXXXXthe FCRA. Furthermore, I seek a detailed explanation regarding your verification process, particularly how it failed to address and correct these inaccuracies in my credit report, resulting in harmful ramifications to my creditworthiness.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: SC

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the monthly payment, number of months ( terms ), date of last payment, date last active and furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, includin

g : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. Section 611 : Right to dispute inaccuracies and request investigation. Section 623 ( a ) ( 5 ) : Removal of unverifiable informatio
n dont validated for creditor Original. 
15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have + the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-05-16 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
I am filing a formal complaint regarding two XXXX accounts ( Account # XXXX and # XXXX ) that TransUnion and Equifax are inaccurately reporting on my credit file. 

After a dispute under 15 U.S. Code 1602 ( g ) ( 2 ), these accounts have already been successfully removed from my XXXX  credit report. This law highlights that no evidence of indebtedness was providedonly a general agreement, making the debt invalid. 

I submitted formal written disputes to both TransUnion and Equifax, including documentation of the XXXX  deletion and my ID for identity verification. Despite this, both bureaus continue to report these accounts, and no resolution or written explanation has been provided. 

This inaccurate reporting is negatively affecting my credit score and is preventing me from being approved for a credit card or housing for XXXX XXXX. I am asking the CFPB to investigate this matter and require that TransUnion and Equifax remove the XXXX accounts from my credit report immediately. 

I have attached the following documentation : -Dispute letters sent to TransUnion and Equifax XXXX A copy of the XXXX  deletion confirmation - Copy of my government-issued ID Please assist in ensuring my credit reports are accurate and fair. Thank you for your support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
To Whom It May Concern, This letter serves as my 4th formal dispute regarding multiple inaccurate and harmful charge-off accounts being reported on my credit file. Despite previous requests, these accounts remain unresolved and are in clear violation of the Fair Credit Reporting Act ( FCRA ), Section 609 and Section 611, and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

The following accounts are being erroneously and unlawfully reported : 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 Account XXXX XXXX XXXX XXXX XXXX Status : Charge-Off I have filed a complaint with the Federal Trade Commission ( FTC ) regarding these persistent violations and attached a copy of my FTC Identity Theft and Complaint Report for your records. These accounts do not belong to me, were not authorized by me, or are being inaccurately reported, and your continued failure to act constitutes willful noncompliance. 

I am now demanding : Immediate investigation and deletion of the above accounts. 

Written confirmation that these entries have been removed. 

A full updated copy of my credit report reflecting these changes. 

Failure to act immediately will result in formal legal action under federal law for willful defamation, negligence, and noncompliance, including civil penalties and damages for continued reporting of false information after being notified multiple times. 

You are hereby notified to complete your reinvestigation within 30 days of receipt of this letter, as required by the FCRA.

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 2025-05-17 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: AZ

Complaint narrative:
I am filing a complaint to dispute the following items in my credit report as provided to me by your agency. I am a consumer with rights under the Fair Credit Reporting Act ( FCRA ), and I am exercising my right to dispute inaccurate, incomplete, or unverifiable information reported in my credit file. 
Upon reviewing my credit report, I found the following items to be in error and am requesting that you initiate an investigation into each of them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX - XXXX Balance Owed : {$0.00} XXXX/XXXX  - XXXX Balance Owed : {$1900.00} XXXX XXXX - XXXX Balance Owed : {$1600.00} XXXX  - XXXX Balance Owed : {$2200.00} XXXX - XXXX Balance Owed : {$2800.00} XXXX FUNDING XXXX Balance Owed : {$1000.00} XXXX  XXXX - XXXX Balance Owed : {$690.00} XXXX  XXXX - XXXX Balance Owed : {$3100.00} XXXX  XXXX - XXXX Balance Owed : {$65.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im trying to access to my online banking but the system doesnt recognize my credentials, I tried to get help on the callcenter but as I dont have SSN they couldnt help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I keep getting these emails telling me that I owe them for a loan I have never received nor requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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\nDOB XXXXnSOCIAL SECURITY XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXTransUnion\nXXXX XXXX XXXXXXXX  PA XXXXn\nSubject: Urgent Request for Removal of Fraudulent Accounts Within 7 Days\n\nTo Whom It May Concern,\n\nI am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft.\n\nThe following accounts are fraudulent and must be removed from my credit report immediately:\n\nXXXX  XXXX\nOpened XXXX XXXX XXXX\n\nXXXX XXXXnOpened XXXX XXXX XXXX\n\nXXXX XXXX XXXXnOpened XXXX XXXX\n\nXXXX XXXX XXXX XXXX\nOpened XXXX XXXX XXXX\n\n(Include additional accounts as needed)\n\nI am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security.\n\nI have enclosed copies of the following documents to support my claim:\n\t\tA copy of my government-issued identification\n\t\tProof of my current address\n\t\tA copy of the police report and/or identity theft affidavit\n\t\tAny relevant documentation proving the accounts are fraudulent\n\nPlease confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau (CFPB) and other relevant authorities.\n\nThank you for your prompt attention to this urgent matter.\n\nSincerely,\nXXXX 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