vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: VA

Complaint narrative:
XXXX XXXX CFPB Complaint Inaccurate Credit Reporting ( Equifax, TransUnion, Experian ) XXXX XXXX XXXX XXXX  Category XXXX XXXX XXXX Credit reporting Incorrect information on your report -- - XXXX XXXX  Complaint Details : XXXX XXXX  I am filing this complaint against * * Equifax, TransUnion, and Experian XXXX XXXX for reporting inaccurate and misleading information on my credit report. 

Attached is a screenshot of my credit report showing the following XXXX XXXX XXXX account : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : XXXX XXXX Auto Loan XXXX XXXX XXXX Account Status : XXXX XXXX  Closed XXXX XXXX XXXX  Payment Status : XXXX XXXX Charge-off XXXX XXXX XXXX Remarks : XXXX XXXX  Charged-off account XXXX XXXX XXXX  Last Payment : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX  Reported Delinquencies : XXXX XXXX  XXXX days late ( XXXX XXXX XXXX XXXX XXXX  Worst Payment Status : XXXX XXXX No Info ( contradicts the charge-off status ) This reporting is XXXX XXXX  inaccurate and inconsistent. XXXX XXXX The credit bureaus are reporting the account as a charge-off while simultaneously showing missing or contradictory information about the payment history. This creates a misleading and derogatory representation of my creditworthiness. 

Under the XXXX XXXX Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) XXXX XXXX credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Equifax, TransUnion, and Experian have failed to ensure the accuracy of this information. 

The XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX has recently issued XXXX XXXX  enforcement actions and fines XXXX XXXX against the major credit reporting agencies for failing to ensure accurate reporting and for failing to properly investigate consumer disputes. The continued reporting of inaccurate or contradictory information on my file demonstrates non-compliance with these CFPB requirements. 

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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 2025-09-01 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: NY

Complaint narrative:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXwere opened fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within four business days, as required by law.

Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: VA

Complaint narrative:
XXXX XXXX CFPB Complaint Inaccurate Credit Reporting ( Equifax, TransUnion, Experian ) XXXX XXXX XXXX XXXX  Category XXXX XXXX XXXX Credit reporting Incorrect information on your report -- - XXXX XXXX  Complaint Details : XXXX XXXX  I am filing this complaint against * * Equifax, TransUnion, and Experian XXXX XXXX for reporting inaccurate and misleading information on my credit report. 

Attached is a screenshot of my credit report showing the following XXXX XXXX XXXX account : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : XXXX XXXX Auto Loan XXXX XXXX XXXX Account Status : XXXX XXXX  Closed XXXX XXXX XXXX  Payment Status : XXXX XXXX Charge-off XXXX XXXX XXXX Remarks : XXXX XXXX  Charged-off account XXXX XXXX XXXX  Last Payment : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX  Reported Delinquencies : XXXX XXXX  XXXX days late ( XXXX XXXX XXXX XXXX XXXX  Worst Payment Status : XXXX XXXX No Info ( contradicts the charge-off status ) This reporting is XXXX XXXX  inaccurate and inconsistent. XXXX XXXX The credit bureaus are reporting the account as a charge-off while simultaneously showing missing or contradictory information about the payment history. This creates a misleading and derogatory representation of my creditworthiness. 

Under the XXXX XXXX Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) XXXX XXXX credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Equifax, TransUnion, and Experian have failed to ensure the accuracy of this information. 

The XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX has recently issued XXXX XXXX  enforcement actions and fines XXXX XXXX against the major credit reporting agencies for failing to ensure accurate reporting and for failing to properly investigate consumer disputes. The continued reporting of inaccurate or contradictory information on my file demonstrates non-compliance with these CFPB requirements. 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: VA

Complaint narrative:
XXXX XXXX CFPB Complaint Inaccurate Credit Reporting ( Equifax, TransUnion, Experian ) XXXX XXXX XXXX XXXX  Category XXXX XXXX XXXX Credit reporting Incorrect information on your report -- - XXXX XXXX  Complaint Details : XXXX XXXX  I am filing this complaint against * * Equifax, TransUnion, and Experian XXXX XXXX for reporting inaccurate and misleading information on my credit report. 

Attached is a screenshot of my credit report showing the following XXXX XXXX XXXX account : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : XXXX XXXX Auto Loan XXXX XXXX XXXX Account Status : XXXX XXXX  Closed XXXX XXXX XXXX  Payment Status : XXXX XXXX Charge-off XXXX XXXX XXXX Remarks : XXXX XXXX  Charged-off account XXXX XXXX XXXX  Last Payment : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX  Reported Delinquencies : XXXX XXXX  XXXX days late ( XXXX XXXX XXXX XXXX XXXX  Worst Payment Status : XXXX XXXX No Info ( contradicts the charge-off status ) This reporting is XXXX XXXX  inaccurate and inconsistent. XXXX XXXX The credit bureaus are reporting the account as a charge-off while simultaneously showing missing or contradictory information about the payment history. This creates a misleading and derogatory representation of my creditworthiness. 

Under the XXXX XXXX Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) XXXX XXXX credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Equifax, TransUnion, and Experian have failed to ensure the accuracy of this information. 

The XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX has recently issued XXXX XXXX  enforcement actions and fines XXXX XXXX against the major credit reporting agencies for failing to ensure accurate reporting and for failing to properly investigate consumer disputes. The continued reporting of inaccurate or contradictory information on my file demonstrates non-compliance with these CFPB requirements. 

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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 2025-09-01 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 discovered inaccurate information listed on my credit report related to addresses and accounts I did not authorize or open. Despite my attempts to dispute these entries with the credit reporting agencies, they continue to report inaccurate addresses and charge-off accounts. These items are the result of fraudulent activity, and they do not belong to me. Under FCRA 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting that the credit reporting agencies investigate and remove these items from my credit file. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: CT

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/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 , 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 2025-09-01 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: AR

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} 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 XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute certain accounts that are appearing on my credit report. Upon reviewing my file, I noticed that specific accounts were furnished and reported to the credit bureaus without my written consent or authorization. Under 15 U.S.C. 1681b, a consumer reporting agency XXXX only furnish a consumer report under certain conditions, XXXX of which includes the consumer giving written permission. Additionally, 15 U.S.C. 1681a ( c ) defines what constitutes a consumer report and who XXXX access or furnish it. At no point did I authorize, in writing, for these accounts to be reported to or shared with any consumer reporting agency. I am requesting a thorough investigation into how these accounts were added to my report and on what legal basis they are being furnished. If the furnishers can not produce my signed, written authorization allowing them to report or share this information, I respectfully request that the accounts in question be deleted from my credit report immediately in accordance with federal law. Please provide written confirmation once this matter has been resolved.

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 2025-09-01 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: NY

Complaint narrative:
I am a victim of identity theft, the following accounts are not mine and were unauthorized Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX The following inquires were unauthorized. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: NC

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts remain on my credit report despite my requests to Equifax, Experian, and TransUnion to block them under FCRA 605B ( 15 U.S.C. 1681c-2 ). Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7800.00} XXXX XXXX XXXX Account # XXXX Balance {$4100.00} XXXX XXXX XXXX Account # XXXX Balance {$1600.00}. I submitted my FTC Identity Theft Report, SSN, government ID, and proof of address. Federal law requires the credit bureaus to block identity theft accounts within 4 business days. No police report is needed. I request CFPB intervention to ensure immediate removal and investigate any FCRA violations. I demand written confirmation once resolved. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for { {$1000.00} } per violation, for account listed without my expressed written consent.

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 2025-09-01 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: NY

Complaint narrative:
I am a victim of identity theft, the following accounts are not mine and were unauthorized Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX The following inquires were unauthorized. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: NY

Complaint narrative:
I am a victim of identity theft, the following accounts are not mine and were unauthorized Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX The following inquires were unauthorized. 

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 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: TX

Complaint narrative:
I have been locked out of my account for a couple months starting in XXXX of XXXX. I have been asked to id myself with my main branch I bank with. I did that and now I'm being told I need to change my address online and online banking insists they can not confirm my phone number or send it a verification code because I haven't had the number long enough although I changed my number with the branch manager at my branch. I have moved to Texas and can not go in personally. I have been on the phone with their fraud dept almost every day this past week XX/XX/XXXX to present. Every time, it's a new issue. The main thing is the verification code they say they can't send. Meanwhile I'm locked out of my bank and been made homeless over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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 submitting this follow-up complaint regarding the reporting of the following account on my credit report : XXXX Account Ending in XXXXXXXX XXXX XXXX XXXX  Balance : {$21000.00} Reported XX/XX/2024 * * Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ], a consumer reporting agency may only furnish consumer reports for purposes authorized by the consumer or by law. I did not authorize, initiate, or provide consent for this account to be reported. Its inclusion on my credit report constitutes an impermissible use of my consumer report information. 
Additionally, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Reporting this account without my consent demonstrates a failure to follow such procedures and has resulted in inaccurate reporting on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TX

Complaint narrative:
I am submitting this follow-up complaint regarding the reporting of the following account on my credit report : XXXX Account Ending in XXXXXXXX XXXX XXXX XXXX  Balance : {$21000.00} Reported XX/XX/2024 * * Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ], a consumer reporting agency may only furnish consumer reports for purposes authorized by the consumer or by law. I did not authorize, initiate, or provide consent for this account to be reported. Its inclusion on my credit report constitutes an impermissible use of my consumer report information. 
Additionally, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Reporting this account without my consent demonstrates a failure to follow such procedures and has resulted in inaccurate reporting on my file.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief