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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA XXXX XXXX, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 2025-04-01 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: PA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had my identity stolen. The person opened credit cards and loans with my information. None of it belonged to me. I have had multiple hard inquiries that were also not me and also credit cards used to the max amount. 

This includes credit cards with these banks : Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: AL

Complaint narrative:
Pulled my credit report and found several accounts that i am not aware of, incorrect name information, as well as incorrect addresses that i have not lived at. Credit reporting services have collections with credit card chargeoffs, evictions, memberships and etc I have contacted all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I disputed inaccurate accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Equifax credit report, and Equifax refused to investigate, claiming my dispute was frivolous. I have provided additional documentation proving the dispute is valid, yet Equifax continues to deny my request for investigation and verification. 

XXXX and XXXX has already removed these accounts from my credit report after reviewing the same dispute, confirming that the account is inaccurate. However, Equifax refuses to conduct a proper investigation or provide any evidence supporting their claim that the account is valid. 
This refusal violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which requires credit bureaus to investigate consumer disputes and correct or delete inaccurate or unverifiable information. Equifax is failing to uphold its legal duty, causing ongoing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau Subject : Request for Assistance in Updating Personal Information on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in ensuring that the credit reporting agencies accurately update my personal information as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
I have previously contacted the major credit bureaus ( Experian, XXXX, and XXXX ), to request corrections to my personal information, including : Wrong name : Wrong Address : Despite providing all necessary documentssuch as a copy of my government-issued identification, proof of address, and a copy of my Social Security cardthe credit bureaus have failed to update my information accordingly. This failure has negatively impacted my ability to obtain credit and has caused unnecessary confusion when verifying my identity.

Under the FCRA : 1. 15 U.S.C. 1681c ( a ) : Consumer reporting agencies must ensure that credit reports contain only accurate and up-to-date information. 
XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of the information in their report.

3. 15 U.S.C. 1681i ( a ) ( XXXX ) : If an item is found to be inaccurate or unverifiable, it must be corrected or deleted from the consumer 's file. 
I have made several good-faith attempts to resolve this issue directly with the credit bureaus, but my requests have not been honored. I am now seeking your assistance in enforcing my rights under the FCRA and compelling the credit bureaus to make the necessary corrections. 
Enclosed with this letter, I have provided copies of : Proof of my identity and address. Which is the only information I deem are correct as far as my personal information is concerned I kindly request that the CFPB investigate this matter and take the necessary steps to ensure that the credit bureaus comply with the law by updating my personal information as required. 
Thank you for your time and attention to this matter. 
Sincerely,

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 2025-04-01 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: MI

Complaint narrative:
On XX/XX/XXXX, I discovered I was recently a victim of identity theft ( an unauthorized wireless cell service account was opened in my name around XX/XX/XXXX. ) When attempting to place a credit freeze at each credit bureau and signing up for an Experian online account on XX/XX/XXXX, I was asked to verify my identity using a phone number and email I do not recognize, so there is also a fraudulent Experian account opened in my name. I do not trust the status of my credit freeze due to someone else potentially having access to my Experian account, so I have been trying to get in contact with an agent at Experian since XX/XX/XXXX. The company 's primary phone number for personal/individual customer service puts me into a loop with the automated system. I can not be transferred to an agent to explain my specific problem, and none of the automated service options over the phone do not resolve my issue and do not lead to an agent. I have tried calling the company 's corporate office several times. My call is directed to their fraud department each time, where I am placed on a long hold for several hours and eventually disconnected. It is impossible to speak to a human being at the company, and I can not trust that my credit history or identity are even safe anymore when it is now completely out of my hands and I can not get in touch with a single representative.

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 writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-04-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I wanted to make an online purchase for my friend 's birthday gift today, but my gift card was declined due to insufficient balance. When I checked my gift card balance, I discovered that most of my money was gone due to an unauthorized transaction. I don't recall making any purchases on XX/XX/XXXX. I contacted Vanilla Gift Card customer service, but they haven't done anything to help my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX I got a text alert from BMO harris bank asking if a charge of {$590.00} was made by me I replied no. The charge came from a ticket master out of XXXX I was at work at XXXX in XXXX. The amount was debited from my account twice. I went to the bank after the charges were out of pending status on the XXXX of XXXX. They gave me a provisional credit that went in my account on the XXXX of XXXX for both debits. The bank then sent me a letter on XX/XX/XXXX stating that they were denying XXXX of the charges. The reason was that through their investigation they have the documentation which supports that the transaction is valid. Which is crazy because they sent me a fraud alert the only thing I can think of is because they only alerted me once not twice for both so I called the customer service number XXXX at bmo harris spent over an hour on the phone they wont allow you to speak to their fraud department I ended up speaking with a XXXX that agreed they should have approved both debits so she resubmitted the dispute and they gave another provisional credit on XX/XX/XXXX but for both but I was only disputing XXXX at this point because they only denied the XXXX so I emailed their resolution department at XXXX stating that they over paid me. But they went and took {$590.00} on XX/XX/XXXX and again on XX/XX/XXXX. At this point I would be whole. But the bank sent me another letter stating that there going to take both credits out of my account on XX/XX/XXXX I went to the bank and he told me to email XXXX with my explanation I did that I called the bank asking to speaking to someone in there fraud department they wouldnt let me speak to anyone they gave me the number for XXXX and it hangs up after they say the company name. I also called the XXXX number associated with the charges that is supposed to be ticket master XXXX and they told me that its under investigation so how can the resolution department at the bank say that its valid and the have documentation Thank you XXXX XXXX Please have me get my money back

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 monetary relief
Consumer complaint received 2025-04-01 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: OH

Complaint narrative:
Experian has continue to violate my rights FCRA 1681e ( b ) Inaccurate reporting FCRA 1681i Failure to investigate FCRA 1681c-2 Failure to block ID theft data FCRA 1681b Unauthorized inquiries FCRA 1681n & 1681o Civil liability for noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-01 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on 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 explanation
Consumer complaint received 2025-04-01 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 do not recognize the negative accounts appearing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau Subject : Request for Assistance in Updating Personal Information on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in ensuring that the credit reporting agencies accurately update my personal information as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
I have previously contacted the major credit bureaus ( Experian, XXXX, and XXXX ), to request corrections to my personal information, including : Wrong name : Wrong Address : Despite providing all necessary documentssuch as a copy of my government-issued identification, proof of address, and a copy of my Social Security cardthe credit bureaus have failed to update my information accordingly. This failure has negatively impacted my ability to obtain credit and has caused unnecessary confusion when verifying my identity.

Under the FCRA : 1. 15 U.S.C. 1681c ( a ) : Consumer reporting agencies must ensure that credit reports contain only accurate and up-to-date information. 
XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of the information in their report.

3. 15 U.S.C. 1681i ( a ) ( XXXX ) : If an item is found to be inaccurate or unverifiable, it must be corrected or deleted from the consumer 's file. 
I have made several good-faith attempts to resolve this issue directly with the credit bureaus, but my requests have not been honored. I am now seeking your assistance in enforcing my rights under the FCRA and compelling the credit bureaus to make the necessary corrections. 
Enclosed with this letter, I have provided copies of : Proof of my identity and address. Which is the only information I deem are correct as far as my personal information is concerned I kindly request that the CFPB investigate this matter and take the necessary steps to ensure that the credit bureaus comply with the law by updating my personal information as required. 
Thank you for your time and attention to this matter. 
Sincerely,

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