vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} DOE XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-05 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: NC

Complaint narrative:
They the credit union said they can remove any address on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NC

Complaint narrative:
They the credit union said they can remove any address on my reports.

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 2025-09-05 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NV

Complaint narrative:
What happened : Discover is reporting a secured credit card account as charged off on my credit report, with a balance of {$140.00}. The account is reported as : Opened : XX/XX/XXXX Closed : Yes Status : Account charged off Status Updated : XX/XX/XXXX Balance : {$140.00} past due as of XX/XX/XXXX Credit Limit : {$200.00} Highest Balance : {$290.00} Responsibility : Individual I dispute the accuracy and completeness of this reporting for the following reasons : 1. Incorrect or misleading balance and dates The account shows a balance of {$140.00} past due as of XX/XX/XXXX, despite the last payment date being XX/XX/XXXX, and the account charged off in XX/XX/XXXX. This may misrepresent the account status and artificially extend the delinquency period. 
2. Charge-off reporting concerns The reported charge-off of {$140.00} appears inaccurate given the account activity and payments made. The account may have been paid or partially credited before the charge-off.

3. Credit usage misrepresentation Reporting 70 % credit usage on a closed account is misleading, as it affects my credit utilization ratio inaccurately. 
4. Verification issues I have not received documentation verifying the balance, the charge-off, or any fees applied. Without this, the account may be incorrectly or incompletely reported, in violation of the Fair Credit Reporting Act ( FCRA ). 

These inaccuracies are damaging my credit and may be in violation of the FCRA and potentially the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: NJ

Complaint narrative:
On XX/XX/year>, my son had a XXXX XXXX and a XXXX XXXX at XXXX  XXXX. A week later, the pediatricians office said everything was okay, so we assumed the results were reviewed. Three months later, my son had XXXX  in his XXXX. When we requested the test results on XX/XX/year>, the pediatrician said they never received the XXXX  results. XXXX  XXXX claims they sent it electronically, but they have not provided documentation showing when or how the results were sent. Despite this, we were sent to collections for {$260.00}. I am disputing this debt because the services were not properly delivered, and the bill is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-09-05 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: TX

Complaint narrative:
I am disputing information that was placed on my credit report without my authorization. At no point did I give permission for this company to furnish or report this account under my name. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( Section 604 Permissible Purpose ) : A consumer reporting agency may only furnish a consumer report if there is a permissible purpose, such as my written consent. I was never asked for nor did I provide consent.

15 U.S.C. 1681s-2 ( Section 623 Responsibilities of Furnishers ) : Companies that furnish information to consumer reporting agencies must ensure the information is accurate and authorized.

15 U.S.C. 1681e ( b ) ( Section 607 Compliance Procedures ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. 


Because this account was reported without my knowledge, consent, or a permissible purpose, it violates the FCRA. I am requesting that the Consumer Financial Protection Bureau require the company and the credit bureaus to delete this unauthorized account from my credit file immediately. 

This inaccurate and unlawful reporting is damaging my credit profile and causing harm to my financial opportunities.

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 2025-09-05 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: MI

Complaint narrative:
I am a victim of identity theft. My credit reports contain fraudulent accounts, collections, inquiries, and personal information that do not belong to me. Despite providing proper documentation, including an FTC Identity Theft Report and notarized 605B package, the credit reporting agencies and furnishers have failed to remove or block the fraudulent items as required by law. 

XXXX XXXX XXXX XXXX XXXX : Experian, Equifax, TransUnion XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Disputed/Fraudulent Items XXXX XXXX {$17000.00} charge-off ( lease/loan inconsistency ) XXXX XXXX XXXX {$120.00} charge-off ( XXXX  XXXX  ) XXXX XXXX XXXXXXXX XXXX Paid/closed but misreported 60-day late XXXX XXXX XXXX Authorized User account wrongly reported derogatory XXXX XXXX {$480.00} collection, unverifiable apartment debt XXXX XXXX XXXX XXXX  paid collection still derogatory XXXX XXXX XXXX {$640.00} XXXX XXXX utility collection XXXX XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX TransUnion, XXXX Experian XXXX XXXX Equifax hard inquiries ( many unauthorized/duplicative ) False names, outdated addresses , and unrelated employers Laws Violated FCRA 605B : Failure to block fraudulent information within 4 business days FCRA 615 ( f ) : Prohibited sale/transfer of ID theft-related debt FCRA 623 ( a ) ( 6 ) : Furnishers re-reporting blocked information FCRA 607 ( b ), 609, 611 : Failure to ensure accuracy, provide disclosures, and reinvestigate disputes FDCPA 809 ( b ) : Collectors failing to validate debts Desired Resolution Immediate blocking and deletion of all fraudulent accounts, inquiries, and personal information from my credit files Written confirmation of deletions within 30 days Assurance that none of these fraudulent debts will be sold, transferred, or reinserted Corrective measures to prevent future violations

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 2025-09-05 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: MI

Complaint narrative:
I am a victim of identity theft. My credit reports contain fraudulent accounts, collections, inquiries, and personal information that do not belong to me. Despite providing proper documentation, including an FTC Identity Theft Report and notarized 605B package, the credit reporting agencies and furnishers have failed to remove or block the fraudulent items as required by law. 

XXXX XXXX XXXX XXXX XXXX : Experian, Equifax, TransUnion XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Disputed/Fraudulent Items XXXX XXXX {$17000.00} charge-off ( lease/loan inconsistency ) XXXX XXXX XXXX {$120.00} charge-off ( XXXX  XXXX  ) XXXX XXXX XXXXXXXX XXXX Paid/closed but misreported 60-day late XXXX XXXX XXXX Authorized User account wrongly reported derogatory XXXX XXXX {$480.00} collection, unverifiable apartment debt XXXX XXXX XXXX XXXX  paid collection still derogatory XXXX XXXX XXXX {$640.00} XXXX XXXX utility collection XXXX XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX TransUnion, XXXX Experian XXXX XXXX Equifax hard inquiries ( many unauthorized/duplicative ) False names, outdated addresses , and unrelated employers Laws Violated FCRA 605B : Failure to block fraudulent information within 4 business days FCRA 615 ( f ) : Prohibited sale/transfer of ID theft-related debt FCRA 623 ( a ) ( 6 ) : Furnishers re-reporting blocked information FCRA 607 ( b ), 609, 611 : Failure to ensure accuracy, provide disclosures, and reinvestigate disputes FDCPA 809 ( b ) : Collectors failing to validate debts Desired Resolution Immediate blocking and deletion of all fraudulent accounts, inquiries, and personal information from my credit files Written confirmation of deletions within 30 days Assurance that none of these fraudulent debts will be sold, transferred, or reinserted Corrective measures to prevent future violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
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 2025-09-05 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} DPT EDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX This account is fraudulent. I never signed a lease, authorized, or opened an account with this property. I am not responsible for this debt and request immediate removal. 

The XXXX XXXX This account is fraudulent. I have never rented from or done business with this property. I did not authorize this account and it should not be reported under my credit file. 

XXXX XXXX XXXX This account is fraudulent. I never opened a XXXX XXXX account or authorized services in my name. This is identity theft, and I am not responsible for this balance. 

XXXX XXXX This account is fraudulent. I did not authorize or open this account. It is not mine, and I request that it be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: National Financial LLC
State: DE

Complaint narrative:
On XX/XX/year>, I revoked all ACH debit authorizations for my bank account ending in XXXX and debit card ending in XXXX, as permitted under the loan agreement and the Electronic Fund Transfer Act ( EFTA ), 12 C.F.R. 1005.10 ( c ). 

Despite this written revocation, Loans Till Payday continued to debit my account after XX/XX/year>. These transactions were unauthorized under federal law. 

On XX/XX/year>, I sent a formal Notice of Breach of Contract and Demand to Cure. To date, Loans Till Payday has not refunded the unauthorized funds that were wrongfully withdrawn. 

I also left a voicemail requesting that all correspondence be sent to me via email so I could maintain a written record. The company never responded to my voicemail and has provided no written communication. 

While no further debits have been attempted since, Loans Till Payday is still holding the money they unlawfully withdrew. 

Loans Till Payday has : Ignored my written revocation of ACH and debit card authorizations. 
Failed to refund the unauthorized debits taken after XX/XX/year>. 
Ignored my voicemail and failed to provide written responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year>, I used my Bank of America credit card to purchase 2 dresses from XXXX XXXX XXXX ( XXXX & XXXX ) from the XXXX & XXXX website for a total purchase price of {$1700.00} ( Order no. XXXX ). Neither dress fit me, so I returned the dresses and received an email from XXXX & XXXX confirming receipt of the dresses on XX/XX/year> ( within the XXXX XXXX & XXXX return policy ). The XXXX & XXXX confirmation email also indicated I would receive a a full refund of the entire purchase price ( {$1700.00} ) within 30 days or XXXX credit card billing cycles. 
On XX/XX/XXXX, XXXX & XXXX emailed me to confirm my refund would be credited to my credit card no later than XX/XX/year>. On XX/XX/XXXX ( after 30 days and receiving XXXX credit card statements which did not include the refund ) I inquired of the status of my refund and was given evasive responses from XXXX & XXXX and the XXXX & XXXX representative would not commit to when my refund would occur. Based on concerns about XXXX & XXXX evasiveness I submitted a credit card dispute. Shortly after I submitted my credit card dispute XXXX & XXXX emailed me demanding I withdraw the dispute and advised that if not withdrawn they would delay paying my refund for XXXX or more days. I refused to withdraw the dispute ( still pending with Bank America ) and realized that in addition to deliberately delaying my refund they were trying to avoid the negative impact on their credit card merchant profile as a result of a dispute in which they were engaged in inappropriate conduct on their merchant profile. Despite multiple demands and advising XXXX & XXXX that they are violating Reg Z and the XXXX  Card requirements, XXXX & XXXX refuses to pay my refund ( we are approaching 90 days since the dresses were returned )

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 monetary relief