vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2025-06-06 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$2100.00} XXXX  XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$1900.00} XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX XXXX XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$25000.00} XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX * * * * * * * XXXX - XX/XX/XXXX - {$7300.00} XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  XXXX XXXX * * * * * * * XXXX - XX/XX/XXXX - {$3900.00} XXXX - XXXX * XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$3600.00} XXXX  - XXXX * * * * * XXXX - XX/XX/XXXX - {$0.00}

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding an account that has been improperly reported by EQUIFAX on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ), specifically under 12 CFR 1006.34 ( d ) ( 3 ). Despite this requirement, Equifax proceeded to place the following account : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt claimed. 

I have not been afforded the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 

Equifax has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 

Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), Equifax is flagrantly disregarding consumer protection statutes. 

I did not receive any notice from : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. 

Additionally, I have submitted supporting documents proving that my information was compromised in the Equifax breach and that I am a victim of identity theft. This has caused significant harm to my credit score and resulted in undue financial and emotional stress. 

I kindly request that the CFPB investigate this matter, as I believe this account was reported without following the proper legal procedures. I also request that Equifax remove this account from my credit report and cease all collection efforts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
experian has refused to investigate valid disputes, claiming I didn't send them, despite full identity documentations and lawful submission under the FCRA 611 ( a ) ( 1 ) ( A ) This is the second time, and I'm requesting the CFPB to enforce my rights and trigger a full investigation because they keep sending these stall letters the other 2 bureaus are not they even deleting things off of my credit as you can see from my uploaded documents.

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 2025-06-06 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: NE

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Bureau involved : TransUnion Error : My credit report lists several incorrect variations of my name, including XXXX XXXX XXXX and others. 

Reason for dispute : These name variations may cause identity confusion or result in my file being mixed with someone elses information.

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 2025-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have been unable to access or view my credit report through your services, either online or by other means. Despite multiple attempts, the report does not appear to be available, and I have not received any error messages indicating the reason for the issue. 

I kindly request your assistance in resolving this matter as soon as possible. My details are on the attached files

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 2025-06-06 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-06 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:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
My account was restricted and closed, and no reason was provided and my funds were still in this account.

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 2025-06-06 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: DC

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 XXXX 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 2025-06-06 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:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-06-06 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 have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-06-06 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:
A collection account was added to my credit file without proper validation or notification. I did not authorize or create this account and have no contractual agreement with the alleged original creditor.

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 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc.
State: TX

Complaint narrative:
I have been aggressively contacted by this company called Gatestone claiming to be collecting a debt regarding my credit card with XXXX XXXX. I am agree to a payment program with XXXX XXXX several months ago and have been making on time payments. However, I have now learned based on the Gatestone call that the XXXX debt of {$8500.00} was sold to to Gatestone. I do not know who Gatestone is and why would XXXX be requesting two separate payments for both companies. I was already paying my card payment. However, I was told to no longer pay XXXX and funding will be made to Gatestone as a 3rd party debt collector. Either way the harassment needs to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: ND

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-06 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute a hard inquiry that was made on my credit report without my knowledge or consent. I never applied for credit with this company, nor did I authorize them to access my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: VA

Complaint narrative:
Im reaching out because theres an account on my credit report that doesnt belong to me. It looks like my credit file is being mixed with someone elses, and this account has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
Subject : Urgent Complaint Regarding Inaccurate Personal Information on Credit Reports Request for Immediate Removal/Correction Dear CFPB XXXX XXXX XXXX , I am writing to formally file a complaint regarding the inaccurate personal information reported on my credit reports maintained by the XXXX major credit reporting agencies : Equifax, XXXX, and TransUnion. The incorrect information has caused confusion and potential harm to my creditworthiness, and I urgently request the CFPBs intervention to have this inaccurate data corrected or removed immediately. 

Details of the inaccurate personal information include the following : Former Name ( s ) incorrectly reported as : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Also Known As ( AKA ) names incorrectly reported as : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Incorrect Current Name and Address on file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Incorrect Previous Address reported as : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX This erroneous information is found primarily on the TransUnion LLC Consumer Dispute Center report, as well as the other XXXX major credit bureaus, and has not been corrected despite my prior attempts to dispute these inaccuracies. 

I request that the CFPB : Investigate these inaccurate personal identifiers and address information on my credit files immediately. 

Require all three credit bureaus to update or remove these inaccuracies without delay. 

Provide me confirmation that the inaccurate data has been fully corrected or removed. 

Ensure my credit reports accurately reflect my true and correct personal information to prevent further harm. 

Please consider this complaint as a matter of urgency. Inaccurate personal information on credit reports can lead to wrongful credit decisions and financial harm. I rely on the CFPBs authority and commitment to protect consumers like me to ensure these issues are promptly and properly addressed. 

Thank you for your time and assistance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: NY

Complaint narrative:
am writing to formally dispute the reporting of an account listed under XXXX XXXX  on my credit report. I did not open this account, nor have I ever had any association with XXXX XXXX. I believe this account is the result of identity theft and request that it be investigated and removed from my credit report immediately.

Company response to consumer: Closed with explanation