vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
Im filing this complaint because I previously disputed multiple negative accounts on my credit reports that contain serious inaccuracies. After waiting for a reinvestigation, I received responses from the credit bureaus stating that the accounts had been verified as accurate. But to my disappointment, the exact same incorrect and incomplete information I disputed is still being reportedunchanged. It feels like the credit bureaus di not truly check the facts. I am not satisfied with this outcome. I want to understand how they came to the conclusion that this information is accurate. Under the Fair Credit Reporting Act ( FCRA ), I have the right to know the description of the procedures used to verify the accounts I disputed. This includes knowing what steps were taken, what sources were contacted, and how those sources confirmed information that I know to be wrong. The details of my request are fully outlined in the letter attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
Hunter Warfield Inc. alleges I am indebted to the amount of {$7900.00}. I sent a letter asking for proof of contract and no action has been taken to fulfill my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MI

Complaint narrative:
This complaint is being filed against NCTUE Security Freeze Exchange due to their failure to properly respond to a consumer dispute and refusal to remove or verify inaccurate information on my consumer report. 

On XX/XX/XXXX, I submitted a formal written dispute to NCTUE challenging inaccurate and unverified personal information, outdated employment records, unauthorized inquiries, and unsubstantiated tradelines reported to third-party data repositories. 

Despite clear language citing the Fair Credit Reporting Act ( FCRA ) and a request for Metro 2 field-level compliance review, NCTUE has failed to : Respond within the required 30-day time period Provide any verifiable documentation to substantiate the reporting Remove or correct unverifiable or erroneous entries Key Violations & Issues : 1. Inaccurate Personal Information Name : XXXX XXXX XXXX ( should be XXXX XXXX XXXX ) XXXX : XX/XX/XXXX ( in dispute ) Previous Addresses : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Employment entries : XXXX XXXX XXXX XXXX These entries are outdated, not current, and are not supported by verifiable documentation, violating 15 U.S.C. 1681e ( b ) and Metro 2 formatting rules.

2. Failure to Verify Allegations or Provide Permissible Purpose Despite requesting documentation under 15 U.S.C. 1681i ( a ) ( 1 ) and 1681b, NCTUE did not provide : Source of the derogatory information Proof of consumer consent Signed agreements or proof of permissible inquiry My letter clearly demanded physical proof of all claims, especially for any adverse accounts or inquiries. Without validation, continued reporting constitutes a willful violation of 1681i ( a ) ( 5 ) failure to delete unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Subject : Unauthorized Hard Inquiry Violation of 15 USC 1681b of the FCRA To Whom It May Concern, I am writing to formally file a complaint regarding an unauthorized hard inquiry that appears on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b. 

I did not authorize the following company to access my credit report, nor did I apply for any credit, service, or employment that would have given them permissible purpose to perform a hard inquiry : Company Name : EXETER FINANCE LLCXXXX Date of Inquiry : XX/XX/XXXX Credit Bureau Reporting the Inquiry XXXX XXXX XXXX XXXX According to 15 USC 1681b , a consumer reporting agency may furnish a consumer report only under certain permissible purposes. Since I did not initiate any transaction with the above-named entity, I am asserting that this inquiry was made without my consent or a valid reason, and therefore should not have occurred. 

I have already contacted the credit bureau and requested proof that this inquiry was authorized. If they are unable to provide such documentation, the inquiry must be deleted from my report, as required by federal law. 

I am requesting that the CFPB investigate this matter further and ensure that the credit bureaus and the company involved are held accountable for violating my rights under the FCRA. 


Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
b'Identity theft report attached \nMy Identity verification sent & attached'

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 2025-05-07 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: CA

Complaint narrative:
Dates and amounts : XXXX XXXX XXXX {$20000.00} ( Personal loan opened with XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX {$1600.00} ( Mobile Phone with XXXX ) XXXX XXXX XXXX XXXX {$960.00} ( XXXX XXXX XXXX account ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Account ) XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX ) XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , Equifax, and Experian alike block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of everything stated above. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TN

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 2025-05-07 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: AR

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 2025-05-07 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: VA

Complaint narrative:
I am formally disputing inaccurate information on my TransUnion credit report under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute, you have verified the item without proper documentation. Under FCRA 611 ( a ) ( 7 ), I am requesting the Method of Verification ( MOV ) regarding how this information was verified.

Additionally, under FCRA 609, I am requesting the following documentation used to verify this account : The original signed contract or credit application proving I authorized this account.

Copies of any billing statements, payment history, and transaction records associated with this debt.

The name and contact information of the individual at the creditor/collection agency who verified the account.

Furthermore, under FCRA 623, I am disputing the accuracy of this item and requesting that the data furnisher ( creditor/collection agency ) provide direct validation of this account. If the furnisher can not provide documented proof, they must correct or delete the item from my report.

Disputed Account ( s ) : Charge-Offs : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX via XXXX Failure to Provide Documentation or Remove the Item If you can not produce the requested documents, you must delete this account from my credit file as required under the FCRA.

If the data furnisher fails to validate this debt, they are in violation of FCRA 623 ( a ) ( 3 ), which requires accurate reporting.

If TransUnion fails to comply, I will escalate this matter with the CFPB, FTC, and possibly legal action for non-compliance. 

Please respond within 30 days with full documentation or confirmation of removal.

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 2025-05-07 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
AMEX is reporting a balance on my credit report although that account has been settled and paid. They are not only reporting an obscene amount that needs to be paid but they are reporting lates and have charged off the account. I have made online disputes and sent letters to the credit bureaus and still have not received any results. This needs to be taken off my credit file as it is hurting my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
Dates and amounts : XXXX XXXX XXXX {$20000.00} ( Personal loan opened with XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX {$1600.00} ( Mobile Phone with XXXX ) XXXX XXXX XXXX XXXX {$960.00} ( XXXX XXXX XXXX account ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Account ) XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX ) XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , Equifax, and Experian alike block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of everything stated above. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BOEING EMPLOYEES' CREDIT UNION
State: TX

Complaint narrative:
Re : Deceased Member Account XXXX XXXX XXXX, Account nos. XXXX XXXX XXXX BECU Member Services XXXX XXXX XXXX XXXX XXXX XXXX  My father, XXXX XXXX XXXX died on XXXX XXXX XXXX. I am the court-appointed executor. The estate is now closed. I have repeatedly asked BECU to stop sending me statements addressed to my father, as if he is still alive, and to release the account to the named beneficiary, XXXX XXXX. 

On XX/XX/XXXX, I sent a letter indicating the foregoing. On XX/XX/XXXX, I received a phone call from BECU indicating they received my letter and that they can not stop sending me statements nor close the account. Over the course of the past year, BECU has repeatedly refused to honor my requests to stop corresponding with me. The account does not belong to me nor my father at this point in time. Maintaining the open account and failing to transfer the ownership to the named beneficiary, XXXX XXXX, may be violating XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 formally disputing the XXXX XXXX account status ending in XXXX, which is reported as a charge-off on both XXXX ( Report XXXX. XXXX ) and Equifax ( Report Confirmation No. XXXX ). The account was charged off and closed in XXXX, yet as of XX/XX/XXXX, both credit bureaus are continuing to show a balance of {$2100.00} and are reporting monthly charge-off status updates well beyond the charge-off date. These updates constitute illegal re-aging of the account and violate FCRA 1681c ( a ) ( 4 ), which prohibits continued furnishing of derogatory payment history that misrepresents the true age of the debt. There has been no consumer activity, payment, or contractual reauthorization since the original charge-off, as verified by the credit report histories showing no activity in XXXX or XXXX. Furthermore, the monthly charge-off designations and balance reporting are materially inaccurate and misleading, violating FCRA 1681e ( b ), which requires all consumer credit information to be reported with maximum possible accuracy. There is also an inconsistency in the way XXXX  and Equifax report the balance amount, making the tradeline unverifiable and subject to deletion under FCRA 1681i ( a ) ( 5 ) ( A ). Additionally, no IRS Form 1099-C has been issued to reflect cancellation of this debt, which violates IRS Code 6050P, requiring financial institutions to issue a 1099-C when {$600.00} or more in debt has been discharged, especially when labeled as Profit and Loss Write-Off. Reporting this account as charged-off and maintaining an active balance without meeting the tax reporting obligations further confirms that this account is no longer legally collectible and is being reported in bad faith. I also object to the use of third-party verification systemsincluding XXXX, XXXX, XXXX, XXXX, or XXXX XXXXduring the reinvestigation process. These entities are not the original furnishers of the information and their use constitutes a violation of FCRA 1681b ( a ), which limits consumer data access to entities with a direct permissible purpose and consumer consent. Given that this account is closed, static, and reported with materially inaccurate and unverifiable data, I formally invoke FCRA 1681i ( a ) ( 8 ) and demand that this tradeline be deleted from both XXXX and Equifax within three ( 3 ) business days. Failure to comply will result in escalation to the Federal Trade Commission, IRS Criminal Investigations Division, and other applicable federal authorities for further enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I am formally disputing the XXXX XXXX account status ending in XXXX, which is reported as a charge-off on both Experian ( Report No. XXXX ) and XXXX XXXX Report Confirmation No. XXXX ). The account was charged off and closed in XXXX, yet as of XX/XX/XXXX, both credit bureaus are continuing to show a balance of {$2100.00} and are reporting monthly charge-off status updates well beyond the charge-off date. These updates constitute illegal re-aging of the account and violate FCRA 1681c ( a ) ( 4 ), which prohibits continued furnishing of derogatory payment history that misrepresents the true age of the debt. There has been no consumer activity, payment, or contractual reauthorization since the original charge-off, as verified by the credit report histories showing no activity in XXXX or XXXX. Furthermore, the monthly charge-off designations and balance reporting are materially inaccurate and misleading, violating FCRA 1681e ( b ), which requires all consumer credit information to be reported with maximum possible accuracy. There is also an inconsistency in the way Experian and XXXX report the balance amount, making the tradeline unverifiable and subject to deletion under FCRA 1681i ( a ) ( 5 ) ( A ). Additionally, no IRS Form 1099-C has been issued to reflect cancellation of this debt, which violates IRS Code 6050P, requiring financial institutions to issue a 1099-C when {$600.00} or more in debt has been discharged, especially when labeled as Profit and Loss Write-Off. Reporting this account as charged-off and maintaining an active balance without meeting the tax reporting obligations further confirms that this account is no longer legally collectible and is being reported in bad faith. I also object to the use of third-party verification systemsincluding XXXX, XXXX, XXXX, XXXX, or XXXX XXXXduring the reinvestigation process. These entities are not the original furnishers of the information and their use constitutes a violation of FCRA 1681b ( a ), which limits consumer data access to entities with a direct permissible purpose and consumer consent. Given that this account is closed, static, and reported with materially inaccurate and unverifiable data, I formally invoke FCRA 1681i ( a ) ( 8 ) and demand that this tradeline be deleted from both Experian and XXXX  within three ( 3 ) business days. Failure to comply will result in escalation to the Federal Trade Commission, IRS Criminal Investigations Division, and other applicable federal authorities for further enforcement action.

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