vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 explanation
Consumer complaint received 2025-04-02 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: DC

Complaint narrative:
I have a credit card through XXXX and receive their fraud/identity theft alerts. 
XX/XX/XXXX : I received a notice from XXXX that a credit inquiry was on my Experian report from XXXX XXXX on XX/XX/XXXX ( screenshot attached ). I have not tried to open any credit cards or bank accounts in the past year. 
XX/XX/XXXX : I called XXXX to let them know this was fraud- they said they would notify Experian of this. An Experian agent tried to contact me a few days later but did not. They left a callback number that did not work. 
XX/XX/XXXX : I received an email notice from XXXX XXXX that my fraudulent credit card application was almost done processing, and that I just needed to upload a few documents to proceed ( screenshot attached ). I called XXXX XXXX to resolve this. Their Fraud Department eventually gave me the contact information for the Applications Department. I called the Applications Department and told them the fraudulent application number. They marked the application as fraudulent, which would prevent it from continuing. 
XX/XX/XXXX : I decided to check that my credit was frozen with the XXXX credit bureaus. I called all three credit bureaus about a year ago to put a credit/security freeze on my accounts, but did not create online accounts with each bureau. Today, I created an account with XXXX to confirm that my credit was frozen- it was. I attempted to create an account with Experian. I entered some of my personal information ( including SSN, date of birth, and name ). The Experian website asked me to do 2-factor authentication with a phone number and email that I did not recognize, meaning someone has created a fraudulent Experian account with my information without my knowledge. The phone number 's last four digits were " 0323 '' and the email 's first two letters were " al '' ( screenshot attached ). Neither of those match my actual personal information, so someone must have created a fraudulent Experian account. I tried to contact Experian by phone, but the phone line was an automated message that would not let me speak with an agent, no matter what I tried. My Experian account is in control of an identity thief, and I can not get in contact with an Experian agent to resolve this issue.

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 2025-04-02 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: NJ

Complaint narrative:
IN ACORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX 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 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-04-02 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
I recently submitted a dispute because I am deeply concerned about an account on my credit report that still appears to be inaccurate and incomplete. Its clear that a proper investigation was not conducted, and the incorrect information remains. This situation has been incredibly stressful, leaving me feeling overwhelmed and discouraged. 

Please, I need your helpI dont know what else to do, and this is seriously affecting my life. Also, I want to make it absolutely clear that I am the one personally submitting this dispute, not a third party.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently submitted a dispute because I am deeply concerned about an account on my credit report that still appears to be inaccurate and incomplete. Its clear that a proper investigation was not conducted, and the incorrect information remains. This situation has been incredibly stressful, leaving me feeling overwhelmed and discouraged. 

Please, I need your helpI dont know what else to do, and this is seriously affecting my life. Also, I want to make it absolutely clear that I am the one personally submitting this dispute, not a third party.

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 2025-04-02 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:
This account is not mine, I have no knowledge of this account, please delete per 15 USC 1681 a, b, s, n

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 2025-04-02 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name 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 explanation
Consumer complaint received 2025-04-02 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX WI, XXXX Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am writing to formally request the Method of Verification ( MOV ) regarding the disputed account that Equifax recently claimed to have verified. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I have the legal right to request and receive detailed information on how this account was verified, including : Disputed Account Details * Creditor Name : XXXX XXXX * Account Number : # XXXX * Reported Inaccuracy : NOT MY ACCOUNT MOV Request Demands As per federal law, I am requesting that Equifax provide the following within 15 days of receiving this letter : 1. The name and contact information of the individual or entity that verified the account.

2. The method and process used to verify that this account belongs to me.

3. A copy of any documentation provided by the furnisher ( XXXX XXXX ) that supports this verification. 
XXXX. Proof of my consent or signature linking me to this alleged account. 
If Equifax can not provide this information, then it is in direct violation of 15 USC 1681i ( a ) ( 5 ) and must immediately delete this unverifiable account from my credit report. 

Failure to Comply & Next Steps If I do not receive a detailed response with the required information within 15 days, I will take the following actions : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for failure to comply with my rights under the FCRA.

2. Report this violation to the Federal Trade Commission ( FTC ) and my State Attorney General for further investigation.

3. Pursue legal action against Equifax for non-compliance under 15 USC 1681n & 1681o, which may include statutory damages, punitive damages, and attorneys fees.

Final Notice This is a formal legal request, and I expect a written response with the requested verification details within the legally mandated timeframe. Failure to comply will confirm that Equifax has no valid proof of this accounts accuracy, requiring its immediate deletion. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide the requested information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: FL

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 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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding inaccurate information on my XXXX report. The account in question was originally held with BMO Bank, but on XX/XX/2024, the debt was transferred and sold to XXXX XXXX, a debt collection agency. Since BMO Bank no longer owns this debt, they should no longer be reporting it to XXXX. 

I previously disputed this information with XXXX and requested its removal, but the item remains on my report. Under the Fair Credit Reporting Act ( FCRA ), information that is inaccurate or outdated must be corrected or removed. Since the original creditor no longer has ownership of the debt, they should not be reporting it, and this entry should be removed. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX removes the incorrect entry. Enclosed are copies of supporting documents, including my dispute letter to XXXX and any responses I have received. 

Thank you for your time and assistance. I look forward to your response and resolution of this issue.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: MD

Complaint narrative:
Attached is a cease & desist to stop reporting this alleged collection on my credit report. Alliance one receivable solutions has now been notified to stop reporting the debt and cease communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
Dispute details Dispute XXXX Sent to TransUnion Submitted XX/XX/XXXX In review On XX/XX/XXXX Resolved Need to send TransUnion additional information? 
Here 's how to contact them XXXX XXXX XXXX They are reporting that Im late 30 days but never pass the XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$5700.00} Account not mine XXXX AND XXXX XXXX Last reported XX/XX/XXXX {$220.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$860.00} Open balance XXXX XXXX XXXX Original In

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: AZ

Complaint narrative:
Im a victim of identity theft because I never authorized # XXXX XXXX XXXX XXXX to report to my credit as a result my identity has been stolen and this company is in violation of the FCRA.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 that the information is inaccurate. Please delete this account from my credit report immediately, according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I started using TD banks credit card service in XX/XX/year> after moved to XXXX. However, my credit score has not been accumulating as expected. Since XX/XX/year>, I have visited TD bank multiple times and also reached out via email to resolve this issue. But until right now the probelm still not resolved. The last time I emailed TD bank customer service and their head of service center was on XXXX and I was not able to get a responces. 
I also contacted the credit company " XXXX '', and confirmed that my profile with them are correct, XXXX Told me that TD Bank needs to call XXXXXXXX XXXX Credit File Service Department to address the matter. 
This was not addressed after almost five month since I first requested. 
I request TD bank to address this issue as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT from my credit report. 
ACCOUNT : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX 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 2025-04-02 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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