vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: AR

Complaint narrative:
I am a victim of identity theft and have repeatedly submitted FTC Identity Theft Reports, formal disputes, and even police reports to the credit bureaus ( Equifax, Experian, and TransUnion ) requesting the removal of fraudulent information under my rights granted by FCRA 605B. Despite doing everything required of me, the credit bureaus have refused to conduct proper investigations and continue to report accounts that are not mine. 

These fraudulent accounts and inquiries are listed in multiple disputes I have filed on the following dates : Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX Transunion : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Experian : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have submitted full documentation, including : My FTC Identity Theft Report Police report confirming identity theft My government-issued ID Proof of address Even with all of this, I have received repeated responses from the credit bureaus stating the information has been verified as accurate, even though the actual creditors were never properly contacted, and no detailed investigation was done. In some cases, the items were removed temporarily and then reinsertedagain, without notice or legal justification. 

This is a clear violation of the Fair Credit Reporting Act.

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 2025-07-25 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-25 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: TN

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
Complaint Title : Credit Reporting Violations Unverified Entries from XXXX, XXXX, and XXXX Summary : I have submitted multiple formal disputes regarding inaccurate tradelines reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXXXXXX. These institutions continue to report : Charged-off accounts with balances.

Collection accounts with ongoing balance updates in the wrong section.

No proof of validation such as a 1099-C, Bill of Sale , or Chain of Custody. 

XXXX XXXX has a federal record of consumer law violations. These illegal entries are causing measurable harm to my credit profile. I seek the permanent removal of all unverified data and compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I've been a long time customer with a perfect payment history, however, I had a recent aggravating and time consuming incident with the loan department. 

I opened a loan in XX/XX/year>. I tried to connect the new loan to my existing account, however there has been ( and still is ) an issue where the account was not able to connected. 

I did not receive a payment due notification and instead, after a month, I received a late payment notice along with several urgent emails and requests about my account. 

Initially, the company claimed that this was my error for not calling in sooner to connect my account. However, I strongly disagree that it is not my issue if they did not provide proper communication. I had to spend over an hour on the phone with the company and 4 separate departments in order to correct the issue with my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
A account was open without my consent and is stopping me from opening a new account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX  Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
The insights of Truist states that they will help with small buisnesses. I opened a buisness account and applied for the buisness debit and credit card. 
The credit card was declined and the debit card never recieved. After going to the bank .. the teller re submitted for a replacement card that I never received.The decline of the first credit card was for a lawsuit that was against a company on my credit .The second time was applied by one of the managers/representatives of the company credit score of a XXXX .. declined because of inconsistent addresses he's XXXX so he has had only 2 addresses in his life. I called the consumer line in both instances and both times I was told there was nothing they could do or explain.I also asked to speak to the underwriters and the answer was to email them.i feel that Tuist has some.serious discrimination and false advertisements about small businesses. This has become a reoccurring issue .. I have had another company account with them.i purchased a XXXX through them paid off in full.And now my child is trying to establish credit with this company and we get declined not once but twice with the most indecent denial. And when asked to speak to underwriting and being on hold for 20 plus minutes the answer and is we can't help you just send an email.No... I wont be referring anyone to Truist and my accounts will be closed. I would like all correspondences to be deleted from.my account and my sons account asap with all three credit bureaus.I feel that the census of credt holders and the sole discrimination of XXXX XXXX XXXX XXXX  will speak for itself A very infuriated customer

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 2025-07-25 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: NC

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX The following inquiries are not authorized. Please remove it from my credit report immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX / XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please correct and update the late payments on my credit reportXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX The following inquiries are not authorized. Please remove it from my credit report immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX / XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please correct and update the late payments on my credit reportXXXX 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

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 2025-07-25 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Ive been disputing two inaccurate and legally noncompliant accounts since XX/XX/XXXX : XXXX XXXX XXXX ( XXXX late payment for XX/XX/XXXX ) XXXX XXXX  ( charge-off with {$340.00} balance ) To date, neither furnisher nor bureau has provided evidence of a lawful investigation, or any method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). This omission renders the disputes unresolved under law. I am entitled to the procedures used to verify not a generic verified as accurate statement.Despite multiple certified disputes, both furnishers continue to report inaccurate, unverified, and Metro 2noncompliant data. 

With XXXX XXXXXXXX, I never received a mailed billing statement for XX/XX/XXXX, violating TILA 1666 ( b ) and Regulation Z 1026.7, which mandate proper notice before adverse action. The accounts reporting is also Metro 2 noncompliant, as it lists a 30-day late with no prior delinquency, irregular balance flow, and no documentation of default. 

XXXX continues to report a charge-off despite no activity since XX/XX/XXXX, with a balance of {$340.00} but no IRS Form 1099-C was ever issued, violating IRS 6050P. The account is thus misleading and violates FCRA 623 ( a ) ( 1 ) ( A ), 609 ( a ), 611 ( a ). The dates reported are also inconsistent and unverifiable, and no proof of a lawful investigation has been supplied in the last 4 months. 

This mirrors the pattern outlined in XXXXXXXX XXXX TransUnion ( XXXX XXXX XXXX XXXX, where the court ruled that CRAs must conduct a reasonable reinvestigation beyond parroting furnishers. The CFPB v. Equifax, Experian, and TransUnion ( XXXX ) lawsuit further supports that failing to remove clearly inaccurate data and ignoring multiple disputes is a willful FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank XXXX XXXX, a supervisor at US Bank XXXX said customers are automatically enrolled in to an Essential Bills or Payable account at the time of a business credit card account opening, however no such information is provided at the time of application. Also, no communication that an Essential Bills or Payable account ( with a different account number than the credit card issued ) being created was communicated via mail. Importantly, bank says this other account which was created is how you need to figure out how to make payments. Without this information, payments couldn't be made in time leading to delinquent and late fees. 

Whenaskedfurther details about new account being created, answers are very evasive. I should have been informed about this Essential Bills or Payable account information prior to the statement being sent ( although that statement was never received ). XXXX checked with the Application Team andtheyare not able to answer the question as to why and how this account was created.

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 2025-07-25 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: LA

Complaint narrative:
I am writing to formally dispute inaccurate information currently listed on my credit report. I want to make it absolutely clear that this complaint is not being submitted in error. The information in question does not meet the legal standard of maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ). 

These reporting errors are having a significant and ongoing negative impact on my financial stability and overall well-being. The emotional and financial toll is unacceptable, especially during an already challenging time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : ( XXXX XXXX  XXXX, ( XXXX ]. 
XXXX XXXX XXXX XXXX XXXX XXXX 

I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-07-25 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: CA

Complaint narrative:
I MAILED OVER A LOT OF DOCUMENTS TO THE EQUIFAX ABOUT THE FRAUD APPLICATIONS THAT WHERE ON MY REPORT BUT EVERY TIME I WAS GIVING THEM A CALL TO SEE IF THE PROBELM HAS BEEN RESOVED THEY WERE TELLING ME THEY HAVEN '' 'T RECIVED DOCUMENTS THIS AND THAT BUT EVEN THO I DID AN OVERNIGHT MAIL AND I TRACKED IT AND I SOW THAT THEY HAVE ACTUALLY RECIVED MY DOCUMENTS THEY JUST DIDN'T CARE ABOUT ME. HERE ARE THE FRAUD APPLICATIONS FIRST CITIZENS BANK XX/XX/year>, XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX ACCOUNTS : 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 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 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 explanation
Consumer complaint received 2025-07-25 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: MA

Complaint narrative:
I am not responsible for the fraudulent accounts appearing on my credit profile. As provided by USC 1681g, I demand their removal within 15 days. Relevant evidence is enclosed.

Company response to consumer: Closed with non-monetary relief