vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: WI

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7200.00} Balance Owed : {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: WI

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7200.00} Balance Owed : {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7200.00}

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 2025-07-19 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 recently pulled my credit report and found multiple hard inquiries that I did not authorize. These are alarming and were not associated with any recent activity Ive undertaken.

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 2025-07-19 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-07-19 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:
This is a follow-up request for the removal of inaccurate and unverifiable information from my credit file. According to FCRA 611 and related provisions, the credit bureaus are required to conduct a reasonable reinvestigation and remove any items that can not be verified. Some of the accounts and information listed are unfamiliar to me, and the same items have already been removed by other credit reporting agencies. I am requesting that this data be thoroughly reviewed and appropriately corrected or updated within the timeframe allowed by lawXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FISERV FINXACT CORE
State: LA

Complaint narrative:
I am writing to formally dispute derogatory banking information and discharged checking account data that is being reported by your agency and adversely affecting my ability to open a new bank account. Some of these accounts were legally discharged in bankruptcy, while others are outdated or inaccurate. Despite the passage of time and my efforts to move forward, these reports continue to cause undue harm and financial hardship.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure maximum possible accuracy in the information you furnish. Any item that is outdated, unverifiable, or discharged in bankruptcy must be corrected or removed. Additionally, under the Uniform Commercial Code ( UCC 9-210 ), I am exercising my right to request an accurate accounting of all obligations and to verify the entities claiming such obligations are still valid and enforceable.

These derogatory records are impeding my ability to access basic financial services, including opening a bank account, which in turn impacts my employment, ability to receive direct deposits, and general financial wellness. I am now working to reestablish my financial foundation, and the continued presence of outdated or discharged items conflicts with both the spirit and letter of consumer protection laws.

I respectfully demand the immediate investigation and deletion or correction of any and all inaccurate, outdated, or legally discharged records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: AL

Complaint narrative:
I am filing this complaint to formally dispute inaccurate personal information being reported on my Equifax credit report. My file contains incorrect names and addresses that are not connected to me. These errors may be due to a mixed file, reporting mistake, or other issue, and they do not reflect my true identity or residential history. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information in my credit report. I have already provided Equifax with all required identity verification documents, including my government-issued ID, Social Security card , and proof of current address. I specifically requested the immediate removal of the incorrect personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: PA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to comply with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires them to provide a detailed description of their reinvestigation procedures upon request. I formally requested that the agency disclose the steps it took to verify disputed items on my credit reportincluding the name and contact details of the furnisher, the individual they communicated with, and the documentation used to validate the accounts accuracy. Despite this request, the agency has not responded with the required information within the XXXX timeframe mandated by law. This lack of transparency and procedural disclosure is a violation of my rights under the 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 non-monetary relief
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to comply with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires them to provide a detailed description of their reinvestigation procedures upon request. I formally requested that the agency disclose the steps it took to verify disputed items on my credit reportincluding the name and contact details of the furnisher, the individual they communicated with, and the documentation used to validate the accounts accuracy. Despite this request, the agency has not responded with the required information within the 15-day timeframe mandated by law. This lack of transparency and procedural disclosure is a violation of my rights under the 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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: TX

Complaint narrative:
I have been trying for over a week to do an ACH transfer. I've emailed the requested documents to verify the bank I want to transfer money to. Emails keep getting rejected. I called multiple times. Reps can not help. Requested a sprvsr was on hold over 90 minutes and no one answered. I need my money! It's as if they don't want me to transfer it out of their bank and into mine. PLEASE HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: SC

Complaint narrative:
EQUIFAX KEEPS BREAKING THE LAW... THEY KEEP REMOVING AND PUTTING XXXX XXXX XXXX AND LOAN PUTTING IT ON AND TAKING IT OFF. I HAVE PROVIDED THEFT REPORT. THEY KEEP GIVING A RESPONSE EVERYTIME THEY WILL RESPOND WITHIN SIXTY DAYS I THINK THIS IS DISREGARD HOW MANY SIXTIES DAYS MUST I WAIT AND WHY DO THEY CONTINUOUSLY DO THIS I HAVE MORE SCREEN SHOTS AND WELL I HAVE DOCUMENTED THIS REALLY WELL. ITS BEEN 12 DAYS SINCE MY LAST COMPLAINT AND THEY HAVE MANAGED TO NOT FIX THE BEHAVIOR BUT REPEAT THE SAME BEHAVIOR. EQUIFAX IS THE ONLY BUREAU THAT VIOLATE YOUR RIGHTS AND NOT BE HELD ACCOUNTABLE... PLEASE HAVE THEM TO CEASE AND DESIST FROM DOING THIS TYPE OF THING ... WHAT KIND OF INVESTIGATION IS A NO INVESTIGATION EXCEPT JUST SAY WE WILL TALK ABOUT IT SIXTY DAY.S PLEASE HAVE THEM REMOVE XXXX XXXX AND DEPT EDUCATION ...... ALSO PLEASE STOP SHARING RELATIONSHIP TO OTHERS ABOUT ACCOUNTS THAT RELATE TO IDENITY THEFT. I SENT THE PAPERWORK. OVER 6 MONTHS AGO IT STILL DOESNT MATTER TO EQUIFAX XXXX PLEASE REMOVE XXXX XXXX XXXX AND DEPARTMENT OF EDUCATION. AND STOP SENDING LAZY RESPONSES BUT CAUSE YOU DIDNT INVESTIGATE. BLOCK THIS INFORMATION.... ALSO I HAVE BEGGED TO REPORT MY GOOD ACCOUNTS THEY REFUSE AND CONTINUE TO FALSELY SAY THAT I HAVE LIMITED CREDIT HISTORY... WHILE OTHER BUREAUS REPORT I HAVE 27 YEARS HISTORY ... 60 DAYS IS ANOTHER TACTIC. LAST BUT NOT LEAST IM NOT DISPUTING MY XXXX XXXXXXXX U HAVE IN DISPUTE PLEAE REMOVE YOUR REMARKS AND CANCEL ANY DISPUTE THIS IS EQUIFAX WAY OF TRYING TO CANCEL ANOTHER GOOD ACCOUNT OF MINE...... LEAVE ME AND XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
I am filing this complaint because the consumer reporting agency failed to comply with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires them to provide a detailed description of their reinvestigation procedures upon request. I formally requested that the agency disclose the steps it took to verify disputed items on my credit reportincluding the name and contact details of the furnisher, the individual they communicated with, and the documentation used to validate the accounts accuracy. Despite this request, the agency has not responded with the required information within the XXXX timeframe mandated by law. This lack of transparency and procedural disclosure is a violation of my rights under the 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 non-monetary relief
Consumer complaint received 2025-07-19 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:
I am filing this complaint because I found multiple unauthorized credit inquiries on my credit reports that I did not initiate or authorize. These inquiries appear to be hard pulls, which affect my credit score, yet I never applied for credit, authorized these inquiries, or had any prior relationship with these companies.

Under the Fair Credit Reporting Act ( FCRA ) 604, a consumer reporting agency may only furnish a consumer report to a person or entity that has a permissible purpose and with the consumer 's consent in many cases. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-19 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 filing this complaint because I found multiple unauthorized credit inquiries on my credit reports that I did not initiate or authorize. These inquiries appear to be hard pulls, which affect my credit score, yet I never applied for credit, authorized these inquiries, or had any prior relationship with these companies.

Under the Fair Credit Reporting Act ( FCRA ) 604, a consumer reporting agency may only furnish a consumer report to a person or entity that has a permissible purpose and with the consumer 's consent in many cases. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1692 C, you have violated my rights by in lawful communications. Please remove this collection off of my credit report, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
only address that should be reporting on all credit bureaus is XXXX XXXX XXXX XXXX XXXXXXXX Florida XXXX only phone number that should be reporting on credit report isXXXX. only birthday that should be reporting is- XX/XX/1986. only job that should be reporting is XXXX XXXX. only name that should be reporting is XXXX XXXX. Please remove any information that is not listed above from Experian, XXXX XXXX XXXXXXXX Thank 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
only address that should be reporting on all credit bureaus is XXXX XXXX XXXXXXXX XXXX XXXXXXXX Florida XXXX only phone number that should be reporting on credit report XXXX. only birthday that should be reporting is- XX/XX/year>. only job that should be reporting is XXXX XXXX. only name that should be reporting is XXXX XXXX. Please remove any information that is not listed above from Experian, Equifax and Transunion. Thank you

Company response to consumer: Closed with explanation