vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBEXXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

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 2025-06-19 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: GA

Complaint narrative:
XXXX  - I was never late on this account, please remove late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
XXXX  - I was never late on this account, please remove late payment history.

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 2025-06-19 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number XXXX XXXX Date of Birth : XX/XX/year> This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) to formally petition, as outlined under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax, XXXX, and Experian, as credit reporting agencies, eliminate specific information from my consumer credit file that stems from identity theft and fraudulent actions. I respectfully request that this correction be implemented within four ( 4 ) business days from the receipt of this correspondence. The deceptive, incorrect, and misrepresentative entries include several accounts that were neither authorized nor initiated by me, including a collection account with XXXX XXXX opened on XXXX, a charged-off installment loan with XXXX XXXX XXXX opened on XXXX, and an involuntary repossession account with XXXX XXXX XXXX XXXX opened on XXXX. These unauthorized accounts have triggered unapproved hard inquiries appearing on my credit report, severely affecting my consumer FICO credit standing. The unauthorized hard inquiries appearing on my credit record include entries from XXXX XXXX XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX  on XXXX, XXXX  XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX XXXX These entries, logged on various dates, are wholly fraudulent and were not approved by me. Additionally, there are discrepancies in the reporting of my personal details, such as inaccurate variations of my name and address. These include names like XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, alongside false addresses listed as XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Employment information is also incorrectly reported as XXXX XXXX XXXXXXXX, Selfemployed, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. I do not recognize, authorize, or validate the accounts, hard inquiries, or personal data inaccuracies mentioned above. All these entries stem from identity theft and fraudulent activity that I neither initiated nor approved. To corroborate my claim, I have included a copy of the FTC Identity Theft Criminal Complaint # XXXX, which confirms that the referenced accounts, inquiries, and personal data discrepancies are linked to identity theft. Additionally, I have attached Experian notifications regarding the fraudulent activity and the exposure of my personal information. I kindly request your swift attention to this matter and urge the immediate removal of these fraudulent items from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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 reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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 2025-06-19 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: 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 Experian credit reporting agency, 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 FL XXXX ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-19 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: CA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the accuracy, validity, and verifiability of the following information currently appearing on my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Metro 2 data reporting standards, you are required to maintain complete, factual, and verifiable information. The accounts, collections, inquiries, and personal information listed below are materially inaccurate, incomplete, or lack proper substantiation.

I demand that you conduct a full reinvestigation and provide physical, verifiable evidence including original source documentation and any signed agreements authorizing these accounts or inquiries. Failure to provide such documentation within 30 days constitutes a violation of the FCRA. In the absence of proper verification, I demand the permanent deletion of these items from my credit report. 

Personal Information Being Challenged : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX Incorrect Name : XXXX XXXX XXXX XXXX : XXXX Employer : XXXX XXXX Accounts Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The ongoing reporting of these inaccurate and unverified items constitutes willful noncompliance under 15 U.S.C. 1681n and 1681o. I expect full compliance with your legal obligations and demand deletion of all unverifiable data. Please mail me physical documentation of your investigation results and any updates made to my credit 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 explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I am formally disputing the accuracy, validity, and verifiability of the following information currently appearing on my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Metro 2 data reporting standards, you are required to maintain complete, factual, and verifiable information. The accounts, collections, inquiries, and personal information listed below are materially inaccurate, incomplete, or lack proper substantiation.

I demand that you conduct a full reinvestigation and provide physical, verifiable evidence including original source documentation and any signed agreements authorizing these accounts or inquiries. Failure to provide such documentation within 30 days constitutes a violation of the FCRA. In the absence of proper verification, I demand the permanent deletion of these items from my credit report. 

Personal Information Being Challenged : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX Incorrect Name : XXXX XXXX XXXX XXXX : XXXX Employer : XXXX XXXX Accounts Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The ongoing reporting of these inaccurate and unverified items constitutes willful noncompliance under 15 U.S.C. 1681n and 1681o. I expect full compliance with your legal obligations and demand deletion of all unverifiable data. Please mail me physical documentation of your investigation results and any updates made to my credit 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 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Ever since I got an auto loan from Bank of America, I have been dealing with an extremely difficult, frustrating and bureaucratic situation. All I want to do is pay more than the monthly payment so that I can quickly own the car outright. However, the bank 's website doesn't work. If you call their customer service number, you are invariably put on hold for over 30-40 minutes and routed to the wrong department. They do not have the ability to transfer the call to another department as per their Customer Service representatives.

Even though I set up a 3rd party bank 's savings account correctly to pay my bill, they coded the bank account incorrectly as a checking account, based on which my bank rejected the payment attempt. They then froze their Loan Account 's ability to pay online. Despite multiple calls to their phone number, each taking over 60-70 minutes, they were unable to fix the issue. I even went personally to their bank branch to get the issue resolved but they said they can't help. 

Recently, on XX/XX/year>2025, I then used my 3rd party bank 's separate bill pay system to send a large payment. It showed up correctly on the Bank of America website the next day ( XX/XX/year>2025 ). Now, mysteriously on XX/XX/scrub>/2025, the payment has VANISHED! 

Their website is so backwards that it doesn't show the past few transactions except in their monthly statements. I think only the most backward and rudimentary websites of tiny banks have the ability but not Bank of America. 

I have also sent a letter by USPS mail to their CEO, but it's of no use. 

What a stupid bank! I am way ahead with my payments, and I want to pay off the loan early.

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
I received a text message from S & S Recovery on XX/XX/year>, from XXXX XXXX. The message included a payment link ( XXXX XXXX XXXX XXXX  about an alleged debt connected to the XXXX XXXX XXXXXXXX XXXX I never gave S & S Recovery consent to contact me via text, and they have never provided written validation of this debt.

I spoke with a representative once by phone but never confirmed the debt or gave permission for text communications. The agent falsely claimed they had mailed proof of the debt, which I never received. No letter or written verification has ever arrived. 

Their actions violate : The Telephone Consumer Protection Act ( TCPA ) for texting me without prior express written consent The Fair Debt Collection Practices Act ( FDCPA ) for failing to validate the debt, and misrepresenting that proof had already been sent The text message was misleading, and I felt pressured to click a payment link for a debt I never agreed to. This is harassment and a clear legal violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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