vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX  XXXX ) that you, the equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account is in violation of not reporting XXXX accurate. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-18 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: DE

Complaint narrative:
My personal information including SSN name address and email was compromised in multiple data breaches including XXXX XXXX and XXXX XXXX. As a result fraudulent accounts were opened in my name without my knowledge or authorization. These accounts are not mine but are still being reported by Experian. The accounts include XXXX XXXX XXXX XXXX  opened XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX and XXXX XXXX  XXXX credit card accounts opened XXXX and XXXX. I filed an FTC Identity Theft Report and provided Experian with proof but they have not removed the fraudulent accounts. These accounts are harming my credit and must be blocked and deleted under the Fair Credit Reporting Act section 1681c2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: DE

Complaint narrative:
My personal information including SSN name address and email was compromised in multiple data breaches including XXXX XXXX and XXXX XXXX. As a result fraudulent accounts were opened in my name without my knowledge or authorization. These accounts are not mine but are still being reported by Experian. The accounts include XXXX XXXX XXXX XXXX  opened XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX and XXXX XXXX  XXXX credit card accounts opened XXXX and XXXX. I filed an FTC Identity Theft Report and provided Experian with proof but they have not removed the fraudulent accounts. These accounts are harming my credit and must be blocked and deleted under the Fair Credit Reporting Act section 1681c2.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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:
Please review this late entry ; there may be an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX Subject : Request for IRS Form 1099-C for Canceled Auto Loan Debt Dear XXXX XXXX XXXX I am writing to formally request a copy of IRS Form 1099-C related to my auto loan account that was charged off and written off by your company. My account details are as follows : Name on Account : XXXX XXXX Account Number : XXXX Last XXXX of XXXX : [ XXXX ] To my knowledge, the account was charged off on or around XX/XX/year>, which may qualify it as canceled debt for tax reporting purposes. I kindly ask that you provide me with a copy of the Form 1099-C issued for this account, or written confirmation if one was not filed with the IRS. 

Please send the requested information to the mailing address listed above. If additional verification is needed, I am happy to provide it. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX Subject : Request for IRS Form 1099-C for Canceled Auto Loan Debt Dear XXXX XXXX XXXX I am writing to formally request a copy of IRS Form 1099-C related to my auto loan account that was charged off and written off by your company. My account details are as follows : Name on Account : XXXX XXXX Account Number : XXXX Last XXXX of XXXX : [ XXXX ] To my knowledge, the account was charged off on or around XX/XX/year>, which may qualify it as canceled debt for tax reporting purposes. I kindly ask that you provide me with a copy of the Form 1099-C issued for this account, or written confirmation if one was not filed with the IRS. 

Please send the requested information to the mailing address listed above. If additional verification is needed, I am happy to provide it. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
Contacted all bureaus and requested this information be reinvestigated and validated. Then have verification and validation sent to me. It never happened. I also wrote and composed dispute letters to all bureaus and immediately they stated verified without any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
Contacted all bureaus and requested this information be reinvestigated and validated. Then have verification and validation sent to me. It never happened. I also wrote and composed dispute letters to all bureaus and immediately they stated verified without any investigation.

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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Between XXXX and XX/XX/year>, XXXX repeatedly misclassified returned XXXX payments as Purchases on my credit card account. 
XX/XX/year> {$250.00} returned payment posted as a purchase. 
XX/XX/year> {$250.00} returned payment posted as a purchase. 
XX/XX/year> {$160.00} returned payment posted as a purchase. 
XX/XX/year> {$160.00} returned payment posted as a purchase. 
XXXX XXXX, 2025 {$3500.00} returned payment posted as a purchase. 

No further returned payments occurred after XXXX, as payments in XXXX and XX/XX/year> were made from a different account without issue. 

Regulation Z ( 12 C.F.R. 1026.7 ( b ) ) requires that creditors clearly and accurately identify transactions and group charges into proper categories ( purchases, payments, fees, and interest ). Returned payments must not be represented as Purchases, which by definition are charges for goods and services. 

The cardmember agreement also defines returned payments separately, subject to a XXXX XXXX XXXX or XXXX XXXX, not as Purchases. By misclassifying them, XXXX : Overstated my purchase balances. 
Improperly increased finance charges. 
Inflated minimum payment calculations. 
Created misleading disclosures in violation of Reg Z and their own agreement terms. 

This is a clear billing error and misrepresentation of account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
XXXX credit cards were opened at Truist Bank under my name by someone else. XXXX of those cards have charges of {$16000.00} and {$16000.00}. These XXXX cards were subsequently closed by whoever opened them, but the debt remains on my credit report. The third credit card account was never used, but is still open. 

I have never personally opened any accounts with Truist Bank, so these are all fraudulent accounts.

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 2025-08-18 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:
I am submitting this formal complaint against Transunion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in question XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - was opened fraudulently and are the result of identity theft. I provided Transunion with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Transunion failed to block the fraudulent information within four business days, as required by law. Furthermore, Transunion has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Transunion has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-18 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:
Contacted all bureaus and requested this information be reinvestigated and validated. Then have verification and validation sent to me. It never happened. I also wrote and composed dispute letters to all bureaus and immediately they stated verified without any investigation.

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 2025-08-18 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 am submitting this complaint as a formal dispute of inaccurate and unauthorized information currently being reported on my credit file. The Fair Credit Reporting Act ( FCRA ) and related consumer protection laws require that only accurate, complete, and verifiable information remain on a consumer report. I am exercising my rights under these laws to request immediate correction or deletion of the following information.

Inaccurate Address Reporting The following addresses are being reported under my name, but I have never lived at these locations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, XXXX My correct and current address is XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX Under FCRA 623 ( a ) ( 2 ) Duty to Correct and Update Information, furnishers are required to ensure that information provided to credit reporting agencies is accurate and updated. These inaccurate addresses must be removed immediately.

Inaccurate Late Payment Notations Several accounts are showing late payments that do not reflect my actual payment history. These are billing and reporting errors that must be corrected : XXXX XXXX XXXX XXXX Reported 30 days late ( XX/XX/XXXX ) XXXX XXXXXXXX Reported 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), 60 days late ( XXXX, XX/XX/XXXX ), 90 days late ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  XXXX  XXXX Reported 30 days late ( XXXX ), 60 days late ( XX/XX/XXXX ) XXXX  XXXX Reported 90 days late ( XX/XX/XXXX ), 120 days late ( XXXX ) Inquiry XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1666 Correction of Billing Errors, I have the right to dispute and request correction of billing errors. These late payments are being reported inaccurately and are damaging my credit standing.

Additionally, under FCRA 623 ( a ) ( 2 ) Duty to Correct and Update, you are required to promptly correct or delete information that is found to be incomplete, inaccurate, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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:
I am submitting this complaint as a formal dispute of inaccurate and unauthorized information currently being reported on my credit file. The Fair Credit Reporting Act ( FCRA ) and related consumer protection laws require that only accurate, complete, and verifiable information remain on a consumer report. I am exercising my rights under these laws to request immediate correction or deletion of the following information.

Inaccurate Address Reporting The following addresses are being reported under my name, but I have never lived at these locations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, XXXX My correct and current address is XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX Under FCRA 623 ( a ) ( 2 ) Duty to Correct and Update Information, furnishers are required to ensure that information provided to credit reporting agencies is accurate and updated. These inaccurate addresses must be removed immediately.

Inaccurate Late Payment Notations Several accounts are showing late payments that do not reflect my actual payment history. These are billing and reporting errors that must be corrected : XXXX XXXX XXXX XXXX Reported 30 days late ( XX/XX/XXXX ) XXXX XXXXXXXX Reported 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), 60 days late ( XXXX, XX/XX/XXXX ), 90 days late ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  XXXX  XXXX Reported 30 days late ( XXXX ), 60 days late ( XX/XX/XXXX ) XXXX  XXXX Reported 90 days late ( XX/XX/XXXX ), 120 days late ( XXXX ) Inquiry XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1666 Correction of Billing Errors, I have the right to dispute and request correction of billing errors. These late payments are being reported inaccurately and are damaging my credit standing.

Additionally, under FCRA 623 ( a ) ( 2 ) Duty to Correct and Update, you are required to promptly correct or delete information that is found to be incomplete, inaccurate, or unverifiable.

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 2025-08-18 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-18 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation