vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1700.00} Inquiries 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am filing this complaint because XXXX XXXX  an account in my name without my knowledge or authorization. I did not XXXX  for or consent to any account with this company, and this is a case of clear identity theft and fraudulent activity. 

For months I was aware of accounts opened in my name without my knowledge or authorization. I contacted the company ( via reaching out through FTC identity theft report and sent to the crdit bureaus ) to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. Some of these companies I called and found that the information they had ( spelling of name, ssn, address ) did not match my true information. I sent these companies my true information and they disregarded and failed to acknowlege the ID theft and maintained this account belonged to me. I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. I also request, per FCRA Section XXXX ( a ) ( XXXX ), full method of verification for the items in question, including the original signed contract or application bearing my signature. If you are unable to verify the accuracy and legitimacy of the item ( XXXX ) within 30 days, you are required by law to delete the information from my credit file. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I JUST CHECKED MY CREDIT FOR THE FIRST TIME AND I HAVE UNAUTHORIZED INQUIRIES THAT DO NOT BELONG TO ME THIS IS THEFT THIS IS WRONG AND THIS IS NOT MINE INQUIRIES- PLEASE ASSIST - I HAVE ALREADY CONTACTED THE COMPANIES AS WELL INQUIRIES - 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 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I JUST CHECKED MY CREDIT FOR THE FIRST TIME AND I HAVE UNAUTHORIZED INQUIRIES THAT DO NOT BELONG TO ME THIS IS THEFT THIS IS WRONG AND THIS IS NOT MINE INQUIRIES- PLEASE ASSIST - I HAVE ALREADY CONTACTED THE COMPANIES AS WELL INQUIRIES - 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 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 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm disputing a credit inquiry that appears on my report from a company Ive never done business with and never gave permission to access my credit. I did not authorize this inquiry plain and simple. 

This was an unauthorized pull, and it has no legitimate purpose. Its either a mistake or a clear violation of my rights. Either way, it shouldnt be there.

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 2025-05-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: OPTUM BANK, INC.
State: WI

Complaint narrative:
I had to travel out of state for XXXX care and submitted appropriate reimbursement requests for hotel expenses for myself and my required travel companion which are limited to {$50.00} each per night for a total of {$300.00}. I also submitted for reimbursement for my mileage and parking while at the hospital. Receipts were provided for each expense and my appointments at the hospital as well as instructions that I needed a person with me due to the procedure being performed were also submitted. The documentation clearly outlines the necessary use of my XXXX flex account funds to cover the costs I submitted ( including limiting the hotel costs as noted above ). XXXX is, consistent with their practices noted in my previous complaint, denying payment unless I give them private XXXX information that is not relevant to determining the criterion for XXXX flex spending repayment. They have noted that they have " preferred '' documentation but what they prefer does not translate into a requirement. I believe this is a continuation of a method of operation in which they delay and/or deny payments as a matter of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I am writing to dispute the following item ( XXXX ) in my credit report, as provided to me by your agency. I am requesting an immediate investigation of XXXX inaccurate or incomplete entry ( XXXX ) as provided for under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX. 
According to XXXX XXXX. XXXX, you are required to conduct a reasonable reinvestigation of any disputed information within XXXX days of receiving a dispute from a consumer. If the information can not be verified, it must be deleted from the credit report. Please provide me with written confirmation of your reinvestigation results, including an updated copy of my credit report. If you are unable to verify the disputed information, I request that it be removed promptly fren my credit file. 
This letter serves as a formal notice that I dispute the validity of the alleged debt/account listed below and request that you immediately cease all communication with me regarding this matter. 
If you continue to report this account without proper verification, or if you continue to contact me after receiving this cease and desist notice, you will be in violation of federal law and I will not hesitate to report such violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding serious inaccuracies on my credit report, specifically related to my name being reported incorrectly by the credit reporting agencies. This incorrect identification has resulted in the reporting of inaccurate and potentially fraudulent debt, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Equifax is reporting inaccurate information by associating a name that does not belong to me XXXX XXXX. Any collections on my Equifax report being reported with this inaccurate data must be removed immediately. 

Despite attempts to correct the erroneous name and ensure my file is accurate, the credit bureaus continue to allow this misinformation to persist. This not only misrepresents my identity but also creates the risk of associating me with debts that are not legally mine. By allowing this incorrect personal information to remain on file, the credit bureaus are enabling debt collectors to report accounts based on inaccurate identity data.

I am requesting the CFPB to investigate the following : Why the credit reporting agencies have failed to correct or verify the accuracy of my name despite my disputes.

Whether the reporting of debt under an incorrect identity constitutes a violation of FCRA and FDCPA.

Why debt collectors are allowed to furnish data without appropriate identity verification measures in place. 

This situation is severely affecting my ability to obtain credit and maintain my financial integrity. I have attached supporting documents, including identification and previous dispute correspondence, to validate my claims. 

I am seeking the immediate correction of my personal identifying information, a thorough investigation into the accounts reported under the incorrect name, and any corrective action required under federal law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NY

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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to Bank of America XX/XX/XXXX to cash my check and I was told there was no record of me and then they couldn't cash it and then I was totally ignored and then I was told that hair have a seat we'll go to the we'll go verify the check which they did not do all she did was handed my check back to me and never verified anything and then they just ignored me like I wasn't even there and if you can't tell me that wasn't fairly because of my race then I don't I don't know what to say but I felt totally discriminated against because I was the only person of XXXX in there and they didn't treat no one else the way that they treated me and then I received the call saying that that I was going to get a follow-up I have not received a follow-up nor an apology from Bank of America

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 2025-05-28 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: IL

Complaint narrative:
I am writing to file a formal dispute and issue a cease-and-desist letter request regarding access to, storage of, or reporting of bankruptcy-related information linked to my name and personal data -- Case number XXXX. Please dispute/remove/cease and desist any entries that are not in compliance with FCRS 1681b or 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
I am writing to file a formal dispute and issue a cease-and-desist letter request regarding access to, storage of, or reporting of bankruptcy-related information linked to my name and personal data -- Case number XXXX. Please dispute/remove/cease and desist any entries that are not in compliance with FCRS 1681b or 1681e ( b ).

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 2025-05-28 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: TN

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. 
XXXX ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-05-28 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: WI

Complaint narrative:
These items are inaccurate, outdated, and/or unverifiable for the following reasons : Several accounts have been resolved, XXXX  or are reporting incorrect balances and payment histories. 

The XXXX XXXX  Bankruptcy ( XXXX XXXX. XXXX ) must be immediately removed because it exceeds the seven-year reporting limit in violation of FCRA XXXX XXXX ( a ) ( XXXX ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ). 

Any charged-off accounts must also be removed if the date of first delinquency is over XXXX years old, pursuant to FCRA Section XXXX ( a ) ( XXXX ) ( XXXX XXXX. XXXX ( a ) ( XXXX ) ). 

Information that can not be verified must be deleted according to XXXX XXXX. XXXX ( XXXX ). 

Pursuant to XXXX XXXX. XXXX ( b ), Equifax is legally required to ensure the maximum possible accuracy of all consumer report information. Under XXXX XXXX. XXXX, I formally request a complete reinvestigation of these items. 
Furthermore, I am invoking my right under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) to receive the XXXX of XXXX for any item that Equifax claims to verify. 
Additionally, under XXXX XXXX. XXXX, I demand confirmation that each listed account was reported with a proper and lawful permissible purpose. 

I am also aware of the recent CFPB lawsuit filed XX/XX/year>, against Experian and Equifax regarding failures to properly investigate consumer disputes, as exposed through their so-called sham investigations. Based on this official federal action, XXXX handling of my account disputes reflects XXXX and possibly willful noncompliance 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 explanation
Consumer complaint received 2025-05-28 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: MD

Complaint narrative:
This is a student loan that was paid in full and XXXX XXXX XXXX Transunion is still showing as open.

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 2025-05-28 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
I disputed the XXXX account directly with Experian and requested proper documentation validating its accuracy. Despite my request, Experian failed to provide a copy of the original signed agreement, payment history, or proof verifying the accuracy of the balance being reported. The account continues to be listed as a charged-off debt for {$11.00}, which is not only negligible but inaccurate and outdated. This item is damaging my credit score and has not been properly verified in compliance with the Fair Credit Reporting Act ( FCRA ). I have reason to believe this debt was either paid, settled, or is reporting inaccurately due to poor data management or outdated records.

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 2025-05-28 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 am writing you about the the Fraudulent use of my social security number due to the Equifax XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. The XXXX account has previously removed and was reinserted without any proper investigation. 

XXXX. 
XXXX Account XXXX : XXXX * * * * XXXXXXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
There were multiple fraudulent charges from XXXX from XX/XX/year> until XX/XX/year>. 

Individual disputes were opened with Chase for the initial ones in XXXX, and they were reversed. However, Chase continued to allow the subsequent charges even after having the card number changed. 

Another dispute was opened regarding the last charge on XX/XX/year> for {$49.00}. Chase XXXX Department helped me close the card at my request due to their inability to prevent the charges even after changing the card number. I was verbally told over the phone on XX/XX/year> that the last disputed charge would be reversed so the final, valid balance could be paid. 

On XX/XX/year> I received a letter stating I was responsible for the {$49.00} charge with the reason given as " You notified us that this transaction is valid. '' which is blatantly false and provable by the phone recording. 

XXXX will not allow another review since they marked the case closed. 

I have never used the HUDHOMESUSA.ORG service, and the initial charges were reversed as fraud. The final fraud charge needs to be re-reviewed and reversed.

Company response to consumer: Closed with monetary relief