vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
I am submitting a case to the CFPB regarding multiple accounts that are inaccurately reporting on my credit file. 

I am formally requesting the immediate blocking and removal of all fraudulent accounts and inquiries associated with my credit report. I am a confirmed victim of identity theft, stemming from the Equifax data breach.

Under 15 U.S.C. 1681c-2 ( a ), I have the legal right to have any fraudulent information resulting from identity theft blocked or deleted from my credit report. I respectfully ask that this request be honored in full compliance with federal 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My Bank of America account was closed over a year ago while I still had to file new disputes. I recently obtained my old statements and, after reviewing them, I have a few transactions I need to dispute. Since Im unsure how to reach the bank for these disputes, Im submitting this complaint through the CFPB. 

The transactions I wish to dispute are as follows : XXXX XXXX XXXX charges from XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, as XXXX closed my account while still holding all of my deposits and is refusing to issue a refund. I have proof of these transactions and previously successfully disputed charges from the same merchant with a different Bank of America account. 

XXXX unauthorized XXXX XXXX charges on XX/XX/year>, XX/XX/year>, and XX/XX/year> that I do not recognize. 

I want these transactions investigated and resolved. That is all I wish to dispute for now, as I have not yet received all of my statements. 

I was contacted by a Bank of America representative in response to my initial CFPB complaint, but I have called multiple times during business hours with no answer or callback. Im now submitting a follow-up complaint because Im unable to get a response or assistance from the assigned agent. I respectfully request reassignment to a responsive representative so this can be properly handled.

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 2025-05-21 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: GA

Complaint narrative:
I am filing a complaint against aIl three credit bureaus. I have contacted all 3 credit bureaus regarding the inaccurate information, duplicate reporting, incorrect status codes, incorrect balances, wrong dates of first delinquencies, payment history after a charge off, re-aging of delinquency, and missing or incomplete payment dates. The companies listed above decided to verify inaccurate information. This has been going on for years!! 

Transunion, XXXX, and Experian violated the FCRA section 611, 616, 617, 607 B, and 623. I have contacted the credit bureaus listed above once I discovered the discrepancies within my credit reports. Based on my personal knowledge, they aren't doing a proper investigation, and they are not following the federal law.

They didn't properly investigate disputes that were filed. Instead of contacting the collection agencies and verifying the information. They just marked it as verified and moved on. The companies listed above have deliberately ignored my credit dispute. In hindsight, I never received a letter from the creditors, and they have violated the Metro 2 reporting standards.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-21 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-05-21 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and fraudulent information appearing on my credit reports maintained by Experian, Equifax and TransUnion. This inaccurate information consists of accounts and inquiries that are the result of identity theft. 

To the Consumer Financial Protection Bureau, The following accounts and inquiries are fraudulent and should be immediately removed from my credit reports : Despite previously notifying both Equifax and Transunion that these specific accounts and inquiries are fraudulent and not associated with me, they continue to report them as factual and current on my credit report. 
The continued reporting of these fraudulent items is damaging to my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

These items are a direct result of identity theft, which I have reported. I have previously disputed these items directly with Equifax and TransUnion, providing information that they are fraudulent. However, they have failed to conduct a proper investigation and remove these items. 

XXXX XXXX Sincerely, Thank you for your attention to this urgent matter. 

I have attached copies of relevant documents, including [ List attached documents, e.g., Identity Theft Report, Police Report, previous dispute letters to Equifax and TransUnion, copies of credit reports highlighting the fraudulent items ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
These inquiries appear not to be allowed to do so and I don't recognize them. I respectfully ask that this matter be resolved as soon as possible. More information can be found in the documents that are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-05-21 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
I am filing this complaint because I am a verified victim of identity theft. I submitted an official Affidavit of Identity Theft to the credit reporting agencies ( Equifax, Experian, and TransUnion ), disputing several fraudulent accounts and addresses that were opened in my name without my knowledge or consent. 

Despite my affidavit and supporting documentation ( including proof of ID and residency ), the credit bureaus have continued to report inaccurate and unauthorized information. These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which requires credit bureaus to promptly investigate and remove unverifiable or incorrect information.

I have made multiple attempts to resolve this directly with the credit bureaus. Ive complied with all verification procedures, including submitting my affidavit, photo ID, utility bill, and a copy of my Social Security card. However, the inaccurate information remains, damaging my credit and exposing me to further fraud risk.

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 2025-05-21 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:
I am filing this complaint because I am a verified victim of identity theft. I submitted an official Affidavit of Identity Theft to the credit reporting agencies ( Equifax, Experian, and TransUnion ), disputing several fraudulent accounts and addresses that were opened in my name without my knowledge or consent. 

Despite my affidavit and supporting documentation ( including proof of ID and residency ), the credit bureaus have continued to report inaccurate and unauthorized information. These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which requires credit bureaus to promptly investigate and remove unverifiable or incorrect information.

I have made multiple attempts to resolve this directly with the credit bureaus. Ive complied with all verification procedures, including submitting my affidavit, photo ID, utility bill, and a copy of my Social Security card. However, the inaccurate information remains, damaging my credit and exposing me to further fraud risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
In 2020 due XXXX XXXX I requested a pause of payment to GM FINANCIAL, AND THEY REJECTED, THEN I HAVE NOT CHOICE TO RETURN THE CAR TO THEM, THEY SOLD THE CAR AND NEVER UPDATE THE AMOUNT OF THE DEBT, AND ARE REPORTING INNACURATE INFORMATION IN MY CREDIT REPORT, AS FCRA REGULATION, INNACURATE INFORMATION HAS TO BE REMOVED FROM XXXX REPORT AND THEY NEVER UPDATE THAT INFORMATION EVEN DELETED. Even if did extra payments I they never update the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
XXXX XXXX XXXX- Had a past balance of {$200.00} that I settle in XXXXXXXX XXXX XXXX 


I am requesting that this information be deleted ASAP, Immediately as I was denied opening an account with XXXX XXXX XXXX. 

I faxed a document over to chexsystems requesting this but I haven't got a response from them. 

I also tried to call but I am never able to get a live representative on the phone. This is just horrible customer service. 

Respectfully, XXXX XXXX XXXX XXXX Veteran

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
This account was charged off on the following date:XXXXXXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX & XXXX The Account is duplicated as well Account Number XXXX & XXXX are the exact same.

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 2025-05-21 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: TX

Complaint narrative:
This account was charged off on the following date:XXXXXXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX & XXXX The Account is duplicated as well Account Number XXXX & XXXX are the exact same.

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