vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding a fraudulent account that has been reported on my credit report, and the failure of [ Experian / Equifax / TransUnion /to remove this information after a proper dispute and identity theft documentation. 
My ex husband used my information and this should be on his credit and not mine. 

Despite providing the required information under the Fair Credit Reporting Act ( FCRA ), including : A completed FTC Identity Theft Report A police report filed with my local law enforcement agency A copy of my government-issued identification Proof of residence the agency has not removed or blocked the fraudulent account from my credit report as required by federal law. The account details are XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX and XXXX ] I am a victim of identity theft and have never opened or authorized this account. The continued presence of this fraudulent information is negatively impacting my credit score and financial well-being. I am requesting the CFPB to investigate and assist in resolving this matter as the reporting agency has failed to comply with FCRA Section 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: IL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I opened an account over 7 years ago under a former last name and requested a removal of the closed account. The company updated my information and denied my request to remove from reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: OH

Complaint narrative:
This account was previously removed from my credit profile following a legitimate identity theft dispute. However, you have unlawfully reinserted this account without any legal basis or written notification as mandated by federal law.

The reinsertion was done without providing written notice within 5 business days, which violates FCRA 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ].

Furthermore, you have failed to provide the required method of verification, the name of the entity or individual contacted, or any supporting documentation linking this account to me, which is a violation of FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

There is no contractual agreement, original signed application, or legal proof that connects me to this debt. You are now reporting false information about me, which constitutes willful defamation of character and negligence under FCRA 1681e ( b ) for failing to maintain the maximum possible accuracy.

This account reinsertion has caused significant harm to my creditworthiness, including a score drop of over XXXX points, affecting my ability to obtain credit, employment, and housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I requested validation of a debt allegedly owed to COMENITY CAPITAL BANK/BATH & BEYONDXXXXXXXX XXXX XXXX XXXX XXXX. They failed to provide a copy of the original signed agreement and the full chain of custody showing the assignment of the debt. Under 15 U.S.C. 1692g ( b ) of the FDCPA, they must cease collection efforts until validation is provided. They have continued to report this unverified debt to credit bureaus, violating 15 U.S.C. 1681s-2 of the FCRA. I am requesting that the CFPB investigate and that this debt be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding a fraudulent account that has been reported on my credit report, and the failure of [ Experian / Equifax / TransUnion /to remove this information after a proper dispute and identity theft documentation. 
My ex husband used my information and this should be on his credit and not mine. 

Despite providing the required information under the Fair Credit Reporting Act ( FCRA ), including : A completed FTC Identity Theft Report A police report filed with my local law enforcement agency A copy of my government-issued identification Proof of residence the agency has not removed or blocked the fraudulent account from my credit report as required by federal law. The account details are XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX and XXXX ] I am a victim of identity theft and have never opened or authorized this account. The continued presence of this fraudulent information is negatively impacting my credit score and financial well-being. I am requesting the CFPB to investigate and assist in resolving this matter as the reporting agency has failed to comply with FCRA Section 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding a fraudulent account that has been reported on my credit report, and the failure of [ Experian / Equifax / TransUnion /to remove this information after a proper dispute and identity theft documentation. 
My ex husband used my information and this should be on his credit and not mine. 

Despite providing the required information under the Fair Credit Reporting Act ( FCRA ), including : A completed FTC Identity Theft Report A police report filed with my local law enforcement agency A copy of my government-issued identification Proof of residence the agency has not removed or blocked the fraudulent account from my credit report as required by federal law. The account details are XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX and XXXX ] I am a victim of identity theft and have never opened or authorized this account. The continued presence of this fraudulent information is negatively impacting my credit score and financial well-being. I am requesting the CFPB to investigate and assist in resolving this matter as the reporting agency has failed to comply with FCRA Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NV

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove the account from my report, it is hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a report of identity theft to Equifax, including all required documentation under 15 U.S. Code 1681c2 : proof of my identity, a valid identity theft report, a written request to block the accounts, and a clear statement that the accounts were not authorized by me. Instead of complying with the law and blocking the fraudulent accounts within four business days, Equifax chose to verify the accounts with the original creditors and left them on my report. This action directly violates the FCRA, which does not require further investigation once proper identity theft documentation has been submitted. Equifaxs failure to comply has caused me ongoing harm, emotional distress, and credit damage, and I am requesting immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I made so many disputes about my address and they do not change it even after showing proof. Because of that who ever stole my SSN has trued opened accounts and it's frustrating that do not change it even after sending photos. I contacted them more then once. I should not have a score just like the other credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
In XX/XX/year>, I enrolled in a targeted Amex Offer for XXXX that advertised : Get up to {$150.00} off any prepaid hotel stay made through the eligible link by [ expiration date ]. 

I followed the instructions as outlined in the offer : I enrolled in the offer within the timeframe. 

I booked a prepaid hotel stay through the specified XXXX link, that forward the offer to the XXXX app I used my eligible American Express card to complete the booking. 

The offer terms stated the credit would be automatically applied within 90 days of meeting the conditions. However, the credit was never issued, despite full compliance on my part. I contacted American Express support and was told the matter was escalated, but the case was closed without explanation beyond investigation completed. 

I am requesting that American Express issue the $ [ insert amount ] promotional credit in accordance with the terms of the offer. I have screenshots, confirmation emails, and chat transcripts confirming that the booking was prepaid and through the correct link. 

I am submitting this complaint because I believe the company has not honored the offer in good faith, and the internal resolution process has been insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
m writing this fromally dispute the accuary of the following accounts listed on my credit report i belive these accounts were open or use fraudulent as reslut of my identity theft account name resurgent lvn funding account number XXXX balance {$340.00} date opened XXXX XXXX  account merrick bank corp account XXXX XXXX balance XXXX date opened XXXX i did not authorize thesee accounts not did i open them i am victim of identity theft and am currently working with appropriate authorities regarding 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 explanation
Consumer complaint received 2025-07-12 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:
m writing this fromally dispute the accuary of the following accounts listed on my credit report i belive these accounts were open or use fraudulent as reslut of my identity theft account name resurgent lvn funding account number XXXX balance {$340.00} date opened XXXX XXXX  account merrick bank corp account XXXX XXXX balance XXXX date opened XXXX i did not authorize thesee accounts not did i open them i am victim of identity theft and am currently working with appropriate authorities regarding this matter

Company response to consumer: Closed with non-monetary relief