vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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 write this letter with the intention of addressing a late payment appearing on my credit report. I have been a diligent and responsible consumer, and my records indicate that the payment in question was submitted on 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 2025-07-03 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: MS

Complaint narrative:
I am writing a complaint because I XXXX XXXX no longer have a contract with XXXX XXXX and a late payment is reporting on my credit report. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation documentaion. Under 15 USC 1681 S2, a furnisher must report accurate information. Under 15 USC 1681 ( I ), the credit bureaus must perform a reasonable investigation within 30 days. Neither have provided sufficient evidence to support the negative reporting. Equifax and Experian have already went through litigation for sham investigation credit reporting error procedures. I demand that the late items be removed and the 51 points restored if Equifax can not provide verifiable proof in the form of an affidavit signed under penalty and perjury then late payment must be erased for inaccuracy and lack of due process. Under 15 USC 1681 ( 4 ), I have the right to privacy. I consider late payments as private information and require them to be deleted. Per 15 USC 1681 ( a ), Any transaction between me and a creditor are required to be excluded from my credit report. Per Federal laws this is a violation of consumer laws and needs attention immediately. XXXX XXXX was discharged in bankruptcy. No payment amount or delinquent payment history should be reporting on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TN

Complaint narrative:
I have sent off a dispute letter with an identify theft report attached to it asking for immediately removal. Dispute mailed off XX/XX/year> tracking XXXX XXXX XXXX According to Consumer anything reported as Identity theft should be block or deleted within 4 days after receiving confirmation of the FTC report. Attached I have important documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-03 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-03 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 requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with USC 1681g, please delete them within 15 days. Supporting documents are enclosed.

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 2025-07-03 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-07-03 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
XX/XX/year> {$290.00} I recently reviewed a copy of my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is 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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau : I am writing to formally request immediate intervention regarding multiple fraudulent accounts and unauthorized credit inquiries that have appeared on my credit report as a result of identity theft. These fraudulent items have caused significant and ongoing financial hardship, severely impacting my ability to access essential financial resources and undermining my financial stability. Despite my efforts to resolve this matter directly with the credit reporting agencies, these unauthorized accounts and inquiries remain on my report. I am now turning to the CFPB to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Fraudulent Accounts Opened Without My Authorization : XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$2600.00}. This entry were made without my knowledge or consent and do not reflect any legitimate financial activity on my part. Supporting Documentation Provided : I have included all necessary documents in accordance with 15 U.S.C. 1681c-2, which legally entitles me to the blocking and removal of fraudulent accounts : Police Report ( XXXX XXXX, Report No. XXXX ) FTC Identity Theft Reports ( Nos. XXXX, XXXX, & XXXX ) Government-issued photo ID ( Drivers License ) Social Security Card Legal Basis for Action : Per 15 U.S.C. 1681c-2 ( a ), consumer reporting agencies must block fraudulent information within four business days of receiving proper documentation. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires deletion of any disputed items that are inaccurate, unverifiable, or fraudulent. Request for Immediate Resolution : I respectfully request that the CFPB assist in ensuring the immediate removal and permanent blocking of these fraudulent accounts and inquiries from my credit report. I also request written confirmation that this action has been taken. If this matter is not resolved promptly, I will pursue additional steps, including filing formal complaints with the FTC, the State Attorney General, and considering potential legal action for noncompliance with federal consumer protection laws. This is an urgent matter and I appreciate your prompt attention to ensure my rights are upheld under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to escalate my formal dispute regarding a fraudulent XXXX XXXX XXXX XXXX account being reported on my credit file.

This account was opened without my authorization and is the result of identity theft. I have submitted disputes directly to XXXX XXXX, requesting full validation under the Fair Credit Reporting Act ( FCRA ). They failed to provide sufficient proof of any legitimate relationshiponly sending billing statements, which do not prove the account belongs to me.

Under the FCRA and 15 U.S. Code 1681s-2 ( b ), XXXX XXXX is required to : Conduct a reasonable investigation Cease reporting unverifiable information Remove all inaccurate or misleading data Despite this, they continue to report late payments on a fraudulent and closed account, harming my creditworthiness. This is a violation of the FCRA, the Consumer Financial Protection Bureaus credit furnishing guidelines, and potentially the FDCPA.

I have now filed an identity theft affidavit with the FTC, and I am requesting that the CFPB : Reopen my dispute Demand full deletion of this fraudulent account and all associated derogatory marks from all CRAs Take enforcement action if necessa

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
NBT bank charged me {$35.00} insufficient fees. Total of 10 {$35.00} fees when all of the transactions were under {$20.00} dollars. Some of the charges were less then {$10.00} dollars. They charged me {$310.00} in sufficient funds and then they charged me another {$70.00}. So they charged me {$380.00} insufficient funds charges. I make very large direct deposits every week. I had money stolen from me so this is why I was unable to make a deposit. Then the bank turns around and charges outrageous insufficient funds charges. This is unacceptable and crazy. I had charges for {$5.00}, {$9.00}, {$14.00}, {$22.00}, {$17.00}, {$20.00}, {$12.00}, {$5.00}, {$120.00} and they charged me {$35.00} for each one.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2025 Subject : SECOND REQUEST- URGENT Credit Report Dispute To whom it may concern, I am writing again regarding the disputed negative item on the credit report XXXX XXXX XXXX XXXXXXXX. That I previously submitted on. I have yet to receive a resolution, and this situation continues to cause serious Hardship in my life.

I expect a timely and fair investigation, yet this inaccurate information remains on my credit report, making it nearly impossible for me to move forward. It is affecting my ability to secure better opportunities, and the financial burden is overwhelming.

This issue remains unresolved. The company claimed to have verified the XXXX XXXX account ending in XXXX, but no supporting documentation has been provided. 

At this point, I am formally requesting that you provide documented proof of verification from the original creditor or remove the item immediately.

Under the Fair Credit Reporting Act, specifically : 609 ( a ) ( 1 ) ( A ) I am entitled to see all records used to verify the accuracy of the account.

611 ( a ) ( 7 ) I requested the method of verification from the credit bureau.

1681i ( a ) ( 5 ) If no evidence can be verified, the account must be removed.

I am formally requesting that this case be reopened, and that XXXX XXXX be compelled to provide : A copy of any signed contract bearing my signature, Full account payment history, Verification procedures used during the investigation.

At this point, I am formally requesting that you provide documented proof of verification from the original creditor or remove the item immediately.

If no proper verification can be provided, I request the account be deleted from my credit report. I am prepared to escalate this matter to the FTC and my state Attorney General if not properly resolv
ed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
dentity Theft Report I am reporting that a fraudulent account was opened with The following accounts are fraudulent and must be removed from my credit report immediately :

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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
Consumer complaint received 2025-07-03 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: AZ

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-07-03 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: AL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Its the Experian I was disputing the wrong info on my credit report. The XXXX. XXXX in XXXX XXXX. I told them that I returned the equipment and paid my last bill. But XXXX XXXX XXXX  still charge me stating I did not returned the cable box. And I was charged {$260.00}. Only Experian has this on my report I need help I been disputing this since last yearplease help.

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