vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX SSN : XXXX DOB : XXXX, contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card XXXX on XXXX XXXX, account number XXXX, XXXX XXXX XXXX on XXXX XXXX, account number XXXX and inquiries XXXX XXXX XXXX  XXXX on XXXX XXXX, XXXX XXXX XXXX  on XXXX XXXX, XXXX XXXX  on XXXX XXXX and XXXX on XXXX XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLCXXXX XXXX XXXX XXXX XXXXSubject: Follow-Up and Request for Update  Identity Theft Victim Request toXXXXBlock and Delete Fraudulent AccountsXXXXDear Equifax Consumer Services,XXXXIm writing to follow up on the identity theft report I submitted regarding fraudulentXXXXaccounts and information related to my identity under the Fair Credit Reporting ActXXXX(FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theftXXXXbecause of the Equifax data breach, and unauthorized accounts have beenXXXXfraudulently opened in my nameXXXXThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXXI request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profileXXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.XXXXIf you require any further information or documentation to process this request, pleaseXXXXcontact me immediately at the phone number or email provided above.XXXXThank you for your prompt attention to this matter. I appreciate your cooperation inXXXXensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The rent payment was given and wasnt applied to the account as the landlord locked me and family out the apartment 2 weeks prior to the incident and had the locks changed. She claimed she didnt get the payment.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The rent payment was given and wasnt applied to the account as the landlord locked me and family out the apartment 2 weeks prior to the incident and had the locks changed. She claimed she didnt get the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year>2025, my personal checking account with Bank of America was forcefully closed due to an overdraft of {$1500.00}. I fully paid the negative balance on XX/XX/scrub> 2025, and I have a confirmation of payment.

Despite the account being settled for over five months, I continue to face restrictions when attempting to open new accounts at other banks. It appears that Bank of America failed to remove or update the negative information from third-
party reporting systems such as XXXX XXXX XXXX  or XXXX. 

I contacted Bank of America several times, and they confirmed that I have no outstanding debt. However, they have not provided written confirmation, nor have they taken steps to clear the negative reporting.

This unresolved issue is significantly affecting my ability to manage my finances and operate my business. I am requesting CFPB assistance to ensure that Bank of America updates all relevant systems and clears this matter 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Issue : Inaccurate Late Payments Reporting Violation of the FCRA and XXXX XXXX Guidelines Dear CFPB, I am filing this complaint regarding inaccurate and unverified late payments reported on my credit file by the following creditors : 1. XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX These creditors have furnished derogatory late payment data to the credit bureaus without proper verification, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), Section 611, and XXXX XXXX Compliance Standards. 

I have reviewed my records thoroughly, and there is no legitimate documentation that justifies the reported delinquencies. I never received proper notices, and no creditor has provided adequate proof that the payments were truly late or correctly reported in accordance with federal law. I demand that the CFPB hold these furnishers accountable for : Failing to maintain accurate reporting under FCRA 623, Failing to provide proper documentation of the alleged delinquencies, and Continuing to report derogatory marks despite their inability to verify accuracy.

This inaccurate reporting is damaging my credit profile and financial opportunities. I am requesting that the CFPB require the immediate removal of all late payments associated with the two accounts listed above. If the furnishers are unable to verify the reported information with proper documentation ( i.e., billing statements, payment history, timestamped records ), the law mandates that the negative data must be deleted.

Please investigate this matter urgently and enforce my rights under federal law. I request a full resolution and written confirmation of the actions taken.

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 2025-08-06 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: TX

Complaint narrative:
I am demanding the immediate and permanent deletion of all inaccurate late payment marks related to the following accounts : XXXX Account # : XXXX Payments were made on time and in full. Reporting this as late is a clear billing error and a violation of 15 U.S.C. 1666B. 

XXXX Account XXXX XXXX XXXXXXXX I was never notified of the alleged late payment in advance, denying me a fair chance to resolve the issue. This is a violation of both ethical standards and legal obligations. 

These late payments have been previously disputed twice. Ive now filed a formal CFPB complaint, and this final demand is being made before I proceed with legal action. The credit reporting agency and the data furnisher are both in violation of FCRA, specifically : 1681e ( b ) : Reporting inaccurate and incomplete information. 

1681s-2 ( a ) ( 1 ) ( A ) : Failure to report data responsibly.

1681i ( a ) : Failure to verify or delete disputed information.

I am requesting : A full reinvestigation.

Documented proof ( timestamped notices, billing statements, etc. ) from the creditors showing I was notified prior to any delinquency.

Immediate deletion of the late payment marks if such evidence can not be provided. 

A written confirmation of the deletions and an updated copy of my credit report within 15 business days. 
If unresolved, I will be escalating the matter to the FTC, State Attorney Generals Office, XXXX, and pursuing legal action under FCRA 616, which allows for statutory damages, actual damages, attorneys fees, and more.

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 2025-08-06 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am disputing a charged-off credit card account being reported by JPMorgan Chase on my credit report. I mailed formal disputes to all three credit bureaus and directly to Chase, requesting validation of the account and proof of accuracy under the Fair Credit Reporting Act ( XXXX  ). 

It has been over XXXX  days, and I have not received any documentation verifying the debt. Chase has failed to respond to my dispute or provide any verification, yet continues to report this derogatory account, which is negatively affecting my credit score. 

Under FCRA Section XXXX, information that can not be verified must be deleted. Since no response or proof has been received, I request that this account be thoroughly investigated and removed from my credit report if not fully validated. 

I have attached my dispute letters and XXXX report as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing this complaint against all three credit reporting agenciesExperian, Equifax, and TransUniondue to repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with a XXXX XXXX XXXX XXXX secured loan that was closed and paid off in XXXX. 

Despite multiple disputes and the submission of documentation, all three bureaus continue to report this account inaccurately and inconsistently : Experian shows a 7-month loan term from XX/XX/XXXX with all payments marked XXXX through XX/XX/XXXX, yet it still reports late payments in XXXX and XXXX the term ends. 

TransUnion reports a 60-day late status and derogatory comments, even though the balance is {$0.00} and the last activity was in XXXX. It also falsely reports post-closure late payments and continues to update the account monthly. 

Equifax shows no late payments but labels the account as derogatory and continues to update the tradeline as of XX/XX/XXXX. 

All three bureaus report different account numbers, inconsistent creditor names ( XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX ), and conflicting loan terms. These discrepancies clearly violate FCRA 1681e ( b ), which requires maximum possible accuracy. 

I have disputed this account multiple times and included supporting documents. Despite these efforts, the bureaus have failed to perform a reasonable reinvestigation ( FCRA 1681i ) and continue to verify this inaccurate information solely based on flawed data from the furnisher. 

Notably, each time I dispute this account, my auto loan with XXXX XXXX, which has never been disputed, is flagged as in disputedemonstrating how unreliable the furnishers system is and how blindly the CRAs are accepting invalid data.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed multiple names which is a violation of the Fair credit reporting Act.

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