vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: NJ

Complaint narrative:
XXXX XXXX, XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal 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 XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. I request immediately investigation and removal of this item, as it is incorrect and does not reflect my true credit history with fraudulent activity. 
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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 2025-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate and Unverifiable Late Payments Capital One Account [ XXXX ] To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding late payment entries listed on my credit report by Capital One. These entries are not only inaccurate but also unverifiable, which violates consumer protections under 15 U.S. Code 1666b.

I request that XXXX  investigate this account and remove the unverifiable late payments. If Capital One can not substantiate the accuracy of their reporting with proper documentation, the information must be deleted from my credit report as required by law. 
Enclosed : * A copy of my drivers license or ID * A recent utility bill or other proof of address * The portion of my TransUnion report showing the disputed item Please send confirmation of your findings in writing within 30 days as mandated by the FCRA. 
Thank you for your prompt attention. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 am disputing a collection reported by XXXX XXXX XXXX on both XXXX  and TransUnion. The debt is allegedly tied to XXXX XXXX, but I do not recognize this account and question the validity and amount. 

The alleged debt occurred while I was incarcerated from XX/XX/XXXX through XX/XX/XXXX during the XXXX pandemic. I was unable to receive mail or dispute these charges. XXXX XXXX internal policies also raise concern about how such a high balance could have accrued. 

I have submitted an FTC Identity Theft Report. I am requesting that this account be fully deleted from my credit reports under FCRA 605B. Updating the account is not sufficient due to the identity theft and my inability to respond at the time.

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 2025-05-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
All inquiries are fraudulent. Please delete from my credit report. 

All inquiries are fraudulent. Please delete from my credit report. XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-30 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: MD

Complaint narrative:
Subject : Formal Dispute and Request for Correction XXXX XXXX XXXX Reporting Error To Whom It May Concern, I am writing to formally dispute and report continued inaccurate and damaging information on my credit report relating to the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX account. Despite multiple dispute attempts and clear factual discrepancies, this account remains on my report with false details and is causing significant financial and reputational harm. 

Below are the specific issues with the account in question : Account : XXXX XXXX XXXX XXXX XXXX Account Number ( last 4 ) : XXXX Reported Balance : {$990.00} ( Incorrect ) Reported Credit Limit : {$840.00} ( Incorrect ) Reported Status : Charged-Off ( Disputed ) Errors Identified : 1. Incorrect Credit Limit The credit limit reported does not reflect the actual terms of the account.

2. Inaccurate Balance The amount listed is not consistent with account records.

3. Fabricated Payment History Delinquency notations and charge-off status are factually inaccurate and unverifiable.

4. Improper Charge-Off Classification No valid documentation has been provided to justify this status.

5. Failure to Correct Upon Dispute My previous disputes have been ignored or inadequately addressed, violating FCRA Section 611 ( a ).

The continued misreporting of this account has : - Lowered my credit score significantly ( XXXX currently XXXX ). 
- Resulted in denials for financial services and loan applications. 
- Caused significant stress and misrepresentation of my creditworthiness.

I am requesting immediate : 1. Correction or removal of this account from all consumer credit reports.

2. Disclosure of the method of verification used in prior investigations.

3. Compliance with FCRA 611 ( a ) ( 5 ), which requires deletion if data can not be verified accurately.

Should this issue not be resolved promptly, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Maryland Attorney General, and will consider legal remedies under FCRA for willful noncompliance. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX SSN ( last 4 ) : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-30 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 recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-05-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX  Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX  Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is an update to my original complaint. Since that filing : I received a denial letter for my {$150.00} fraud claim ( dated XX/XX/XXXX ) confirming that BoA will reverse the provisional credit on XX/XX/XXXX, despite previously approving it Both claims are now fully denied, despite being supported by the same police report, fraud confirmation from Remitly, and scam evidence Ive also submitted a complaint to DFPI, as this now shows a pattern of inconsistent, negligent, and bad-faith fraud handling I am requesting escalation and a full regulatory review of Bank of Americas investigation process and denial justification.

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 2025-05-30 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: TX

Complaint narrative:
Incorrect information on my credit report of an auto loan with XXXXXXXX XXXX. I had reported the issue and its been past 60 days since the report has been three months and issue hasnt been removed from my account.

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 2025-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrect information on my credit report of an auto loan with XXXX XXXX XXXX had reported the issue and its been past 60 days since the report has been three months and issue hasnt been removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Incorrect information on my credit report of an auto loan with XXXX XXXX. I had reported the issue and its been past 60 days since the report has been three months and issue hasnt been removed from my account.

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 2025-05-30 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: FL

Complaint narrative:
I am writing to formally dispute the continued reporting of an open balance on an account that has been paid in full. I am enclosing a letter from the creditor confirming the account was satisfied. Despite this, the balance continues to be reported inaccurately on my Experian credit file, more than five years after resolution.

This reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You were required to investigate this dispute and correct or delete the inaccurate information within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : You are obligated to delete or correct any entry that is found to be inaccurate or unverifiable.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : The creditor has an ongoing duty not to furnish false or outdated information, including an erroneous balance.

It is clear that this continued misreporting has caused significant harm to my creditworthiness. My credit score has suffered materially as a result of this unresolved error, limiting my access to favorable credit terms and causing reputational and financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the continued reporting of an open balance on an account that has been paid in full. I am enclosing a letter from the creditor confirming the account was satisfied. Despite this, the balance continues to be reported inaccurately on my Experian credit file, more than five years after resolution.

This reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You were required to investigate this dispute and correct or delete the inaccurate information within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : You are obligated to delete or correct any entry that is found to be inaccurate or unverifiable.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : The creditor has an ongoing duty not to furnish false or outdated information, including an erroneous balance.

It is clear that this continued misreporting has caused significant harm to my creditworthiness. My credit score has suffered materially as a result of this unresolved error, limiting my access to favorable credit terms and causing reputational and financial injury.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the continued reporting of an open balance on an account that has been paid in full. I am enclosing a letter from the creditor confirming the account was satisfied. Despite this, the balance continues to be reported inaccurately on my Experian credit file, more than five years after resolution.

This reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You were required to investigate this dispute and correct or delete the inaccurate information within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : You are obligated to delete or correct any entry that is found to be inaccurate or unverifiable.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : The creditor has an ongoing duty not to furnish false or outdated information, including an erroneous balance.

It is clear that this continued misreporting has caused significant harm to my creditworthiness. My credit score has suffered materially as a result of this unresolved error, limiting my access to favorable credit terms and causing reputational and financial injury.

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 2025-05-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several accounts furnishing on my credit file that is inaccurate, fraud, harmful to my credit file and I need ALL these derogatory accounts deleted. Per : FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] Debt Validation Collection agencies must validate the debt within 30 days if you dispute it.

Must provide original creditor, itemization, and proof they are authorized to collect.

FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ] Accurate Reporting Data furnishers must report accurate and complete info. If not, it must be deleted.

FCRA 611 [ 15 U.S.C. 1681i ] Reinvestigation Requirement Credit bureaus must investigate disputes within 30 days or delete unverifiable items.

Charge-Offs FCRA 605 ( a ) ( 4 ) [ 15 U.S.C. 1681c ] Obsolete Information Charge-offs can not be reported more than 7 years from the date of first delinquency. 

FCRA 623 ( a ) ( 5 ) Date of First Delinquency This ensures they report the correct start date ; otherwise, its a violation.

FCRA 609 ( a ) ( 1 ) Request for Complete Records Request original charge-off records ; if not provided, demand deletion.

Derogatory Accounts ( e.g., Late Payments, Repos, etc. ) FCRA 611 Inaccurate/Unverifiable Info If any aspect of the account is inaccurate or incomplete, it must be removed.

FCRA 607 ( b ) Maximum Accuracy Credit bureaus must maintain procedures to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) I have requested the original contract, signature, and all documents on file for the derogatory accounts to no avil.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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