vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent all the information that they asked for they have barley XXXX speaking customer support agents in a very loud call center they still have not unlocked my online account where I can see my score and 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
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
Equifax is inaccurately reporting a XXXX late payment for XX/XX/XXXX on my XXXX XXXX XXXX account XXXX # XXXX ). This is false and damaging. The account was never past due in XX/XX/XXXX, it was ultimately paid in full with a {$7200.00} payment on XX/XX/XXXX, and it is now closed with a {$0.00} balance. Every other month before and after XX/XX/XXXX is reported as Pays as Agreed. There is no delinquency history, no past due balance, and no valid justification for this derogatory mark. Reporting a late payment that never existed is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing inaccurate information, and FCRA 607 ( b ), which requires maximum possible accuracy. It also violates FCRA 611 ( a ), which requires deletion of unverifiable or inaccurate information after reinvestigation. Furthermore, I was never provided the written notice of intent to report adverse information required under FCRA 623 ( a ) ( XXXX ). This entry is not only inaccurate but unlawful. I am demanding that Equifax immediately delete the false XXXX late for XX/XX/XXXX and update that month to reflect Pays as Agreed, which is the only legally accurate classification. If Equifax continues to publish this false information, I will escalate to the FTC, my state attorney general, and pursue damages under 15 U.S.C. 1681n and 1681o for negligent and willful noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'You must locate and delete these erroneous accounts within fifteen days, per USC 1681g.'

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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally appeal the denial of my fraud claim regarding an unauthorized {$1000.00} XXXX transfer from my account on XX/XX/year> posting on XXXX. On the same date, multiple fraudulent transactions also occurred, including numerous XXXX XXXX XXXX charges and unauthorized ATM withdrawals. These transactions all took place within the same time frame and are directly connected to the loss of my ATM card, which was not in my possession when this activity occurred. 

The {$1000.00} XXXX transfer was neither authorized nor initiated by me. The assertion in your denial letter that the transaction was authenticated with a device or code associated with my account is deeply concerning, as I did not approve or initiate this transfer. This, combined with the fraudulent ATM withdrawals, demonstrates that my account credentials and security were compromised. 

Immediately after receiving your denial, I contacted the Bank of America Fraud Division to request the documentation used to make its determination. Despite submitting two appeals and two separate requests, I have yet to receive this documentation. This lack of transparency is unacceptable. 

This was criminal activity, and I am the victim, not the perpetrator. I have since filed a police report and provided supporting evidence of the fraudulent activity. I am requesting that you reopen my claim without delay, conduct a thorough investigation into all disputed transactions, and restore the stolen funds to my account. 

I have been a loyal Bank of America customer for over 20 years and a XXXX client. If this is how the institution chooses to treat its long-standing clients, I will be left with no choice but to take my accounts and business elsewherewhere customer security and trust are valued.

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 2025-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the accuracy of a XXXX XXXX account that is currently being reported on my credit file. The account information is as follows : Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$1200.00} Status : Collection Account ( reported XXXX XXXX  ) Date Opened : XXXX  This reporting is inaccurate and incomplete for several reasons : The account is being reported as a collection account only two months after the date opened, which raises serious concerns about accuracy and proper reporting.

Critical details are missing or inconsistent, such as the original balance, payment history, and account validation, making this entry unverifiable.

Pursuant to 15 U.S.C. 1681i, I am requesting a full reinvestigation of this account. If the information can not be verified in compliance with the Fair Credit Reporting Act ( FCRA ), it must be deleted from my credit file.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if the furnisher of information can not certify the accuracy and completeness of the disputed information, the credit reporting agency must promptly delete the entry and refrain from re-inserting it unless proper certification is later provided.

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 2025-08-21 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-21 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:
The XXXX XXXX XXXX XXXX information was stolen and used. I have been trying to resolved this issue over a long period of time. I sent over information last year to XXXX XXXX but there was no. Communication .I would love to resolve this matter quickly after a long process of contacting XXXX XXXX wand all three Credit Bureaus. Please delete the car loan. It has already been deleted on TransUnion.

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 2025-08-21 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:
My credit score has been dropping every month without any changes to 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 2025-08-21 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: GA

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-08-21 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:
As per USC 1681g, these erroneous accounts must be addressed and removed within XXXX days of the notice.

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 2025-08-21 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:
This is now my 8th disputea number that is absurd and unacceptable. The failure of the data furnisher and CRAs to comply with the FCRA, Metro 2 guidelines, and Consumer Law is now systemic and malicious. The account continues to report false, inconsistent, and outdated information, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting codes.

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 2025-08-21 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: VA

Complaint narrative:
To Whom It May Concern, I am filing a complaint against XXXX XXXX XXXX and the credit reporting agency for repeatedly and unlawfully reporting a debt that I do not owe. Despite prior disputes and removals, this collection account continues to reappear on my credit file without proper verification. 

The account details are : Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Claimed Balance : {$4700.00} Account Number : XXXX Status : Collection account Date Opened : XX/XX/year> Address of Furnisher : XXXX, UT XXXX This account has been removed after disputes, only to be reinserted again without new evidence or validation. The credit agency has not provided me with the required reinsertion notice or certification of accuracy. 

This conduct violates several federal laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Furnishers must investigate disputes and report only accurate information. XXXX XXXX XXXX has failed to do so. 

FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) : Deleted information can not be reinserted unless the furnisher certifies its accuracy, and the credit agency must notify the consumer within XXXX business days. I have not received such notice. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Debt collectors can not misrepresent the legal status of a debt. Repeated reporting of an unverified debt is a misrepresentation.

FDCPA, 15 U.S.C. 1692d : Prohibits harassing or abusive conduct. Continuously re-reporting a deleted, unsubstantiated debt is harassing. 

I am requesting the CFPB to : XXXX XXXX XXXX XXXX repeated reporting of this unverified debt. 

Investigate the credit agencys failure to comply with reinsertion notice and certification requirements. 

Require the credit agency to permanently delete this account from my file. 

Take appropriate enforcement action to stop these violations. 

I will provide supporting documentation including dispute history, credit reports, and evidence of the repeated removals and reinsertions. 

This ongoing conduct has harmed my credit and caused significant stress. I request the CFPBs intervention to protect my rights under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
In line with legal obligations under USC 1681g, these mistaken accounts must be deleted within fifteen days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TN

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I.C. System, Inc. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Account # XXXX Cease and Desist Notice To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that your company cease all communication with me regarding the above-referenced account.

I do not wish to receive any further phone calls, letters, emails, or other forms of contact from I.C. System, Inc. about this matter. The only communications you may provide are : 1. To advise me that your collection efforts are being terminated ; or 2. To notify me that specific legal remedies may be taken, if applicable.

Be advised that any further contact from your office beyond the allowances of the FDCPA will be considered harassment and a direct violation of my consumer rights. I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office if this request is ignored. 

Please confirm in writing that you have received this cease and desist notice and that you will comply. 

Sincerely, 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 2025-08-21 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:
REFUSED TO REMOVE AND BLOCK, DATA BREACH VICTIM, IDENTITY THEFT XXXX BANK XXXX Under dispute Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off. {$4300.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$680.00} Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$390.00} Status Account charged off. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$320.00} Status Account charged off. {$320.00} written off. {$320.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$100.00} Status Account charged off. {$100.00} written off. {$100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/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 explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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