vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
To Whom It May Concern : No third-party company is involved so please dont respond with a stall letter or a generic reply.

This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. Fraudulent Acco
unts : 1. XXXX Fraudulent Inquiries : 1. XXXXXX/XX/XXXXDate of inquiry : XX/XX/year> These accounts and inquiries were not authorized by me and must be removed from my report 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 non-monetary relief
Consumer complaint received 2025-06-25 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: VA

Complaint narrative:
TransUnion has refused to investigate my disputes, claimingbased on their internal reviewthat the submissions originated from a third party and therefore require a Power of Attorney ( POA ). However, their website does not list this as a requirement, and I clearly informed TransUnion that I submitted the disputes personally. Despite this, they continue to refuse to address my disputes.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: MO

Complaint narrative:
I submitted multiple requests for my full consumer report from XXXX starting in XX/XX/year>. I followed up several times by phone and mail, but they have failed to provide my report. It has now been over 8 months with no response. This is a violation of the Fair Credit Reporting Act, which requires them to provide my report within 30 days of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: SC

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

Company 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 2025-06-25 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: CA

Complaint narrative:
Experian is reporting several negative accounts that are not mine and were added as a result of inaccurate data handling following known data breaches involving Experian. I submitted a formal dispute under FCRA 605B, along with my FTC report, ID, and other documentation, demanding removal of these accounts. Experian failed to correct or block this inaccurate information, which continues to damage my credit and violate federal reporting laws.

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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We received a promotional email offer from Citibank on XX/XX/XXXX which was an attempt to get us to use their co-branded American AAdvantage credit card ( specifically, 3 times, once each month in XXXX, XXXX and XXXX, and for which we were supposed to receive XXXX, XXXX and XXXX bonus miles, respectively, plus an extra XXXX bonus miles for a total of XXXX bonus miles, per the promotion ), and we registered for the promotion on XX/XX/XXXX, and also received confirmation of the same. We waited patiently for the lengthy period indicated in the offer for the bonus miles to post to our account and watched for this to occur, but we received none of these bonus points in our XXXX XXXX account. We called XXXX XXXX when the bonus miles for not post and they stated that it was a Citibank promotion and as such that we needed to call them. We then called Citibank and appealed to them for assistance. They initially stated that they had no record of us having registered for the offer. We then provided them their own email correspondence which completely refuted this notion and confirmed that we had in fact registered for the promotion, and that we had fully complied with the terms of the offer. Citibank then sent a letter directing us to take the issue up with XXXX XXXX. This is unacceptable and deceptive and we have no doubt that many other customers are being adversely affected and inappropriately treated with similar such practices, and as such we respectfully request that you intercede on our behalf and mandate that they right the wrongs committed here and cease and desist all such practices going forward. Please let us know what else you might need to clarify and/or help resolve the issue, and thank you in advance for your assistance!

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 2025-06-25 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: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
Closed accounts with SoFi because of unscrupulous business practices and Twice told them their permission to check my credit is now prohibited. Last communication via chat was XX/XX/year> and this morning at XXXX XXXX  they send another email about my credit score. SOFI bank nor any of SOFI bank associated companies have permission to access my credit EVER again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 2025-06-25 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

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

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX - XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX  ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I was a victim of fraud, which I never been a XXXX customer and then I see something on my something on credit report that I never been associated or have any debt that is owed to this collector therefore, I am not responsible for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: FL

Complaint narrative:
After checking my credit report, I discovered things that did not belong to, and I was unaware that was being reported to my credit file. I'm a victim of fraud and I believe that this is stemming from my identity being stolen,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America for reporting inaccurate and misleading information to the consumer reporting agencies regarding multiple credit card accounts. 

Upon reviewing my credit report, I identified that Bank of America is reporting one or more accounts with derogatory charge-off statuses, late payment notations, and past-due balances that do not accurately reflect the actual history or status of the accounts. These entries appear inconsistent with my contractual relationship with the bank and are harming my credit profile. 

I formally disputed these items with the furnisher and requested that they investigate and correct or delete any inaccurate information. To date, Bank of America has not provided a correction or sufficient evidence validating the accuracy of the reported data. 

This conduct violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information ; 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failing to correct or update incomplete or inaccurate data ; 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failing to report the account as disputed ; 15 U.S.C. 1681e ( b ) Failing to ensure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper reinvestigation. 

I am requesting that the CFPB compel Bank of America to : ACCOUNT ENDING IN XXXX Conduct a full reinvestigation of the reported accounts ; Provide all documentation supporting the charge-off reporting ( including accounting, contracts, and charge-off justification ) ; Remove or correct any unverifiable or inaccurate information from all credit bureaus ; Cease and desist from reporting false or misleading data that affects my creditworthiness. 

Bank of America must be held accountable for ensuring that the data it furnishes to consumer reporting agencies is 100 % accurate, complete, and verifiable. I request regulatory enforcement and appropriate relief under the FCRA. 

EMAIL : 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 explanation
Consumer complaint received 2025-06-25 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: NV

Complaint narrative:
I had previously submitted disputes to all three bureaus via letter and online. I am having issues with XXXX as they continue to report late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I first received a letter from Transunion & Experian saying they wouldn't process my disputes because they believe a third party agency did it. I sent further information to get them processed and got the same letter back. XXXX is reporting late payments from when I was enrolled in school. This should not have been out of deferment as again I was still in school. They had apparently mailed letters to an address I don't even have, and emailed me on an email address from XXXX. I had updated all info on my online acct but somehow they failed to see any of that. I got current immediately and they deferred my payments again because I am still enrolled in school!!! This needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NV

Complaint narrative:
I had previously submitted disputes to all three bureaus via letter and online. I am having issues with XXXX as they continue to report late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I first received a letter from Transunion & Experian saying they wouldn't process my disputes because they believe a third party agency did it. I sent further information to get them processed and got the same letter back. XXXX is reporting late payments from when I was enrolled in school. This should not have been out of deferment as again I was still in school. They had apparently mailed letters to an address I don't even have, and emailed me on an email address from XXXX. I had updated all info on my online acct but somehow they failed to see any of that. I got current immediately and they deferred my payments again because I am still enrolled in school!!! This needs to be removed.

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 2025-06-25 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: MT

Complaint narrative:
My name is XXXX XXXX XXXX I am writing to dispute significant credit reporting damage caused by an error made by my XXXX loan servicer, XXXX, acting on behalf of the U.S. Department of Education. 

In early 2025, XXXX erroneously declared me deceased, suspending their billing and payment systems. This prevented me from accessing my loan account, making payments, or even reaching customer service. As a result, my loan was reported as 90 days delinquent, significantly impacting my credit. 

Once I became aware of this issue, I immediately took action. After facing multiple system errors and unanswered calls, I eventually resolved the problem and brought my loan current. The Department of Education acknowledged the error in a letter dated XX/XX/2025 ( XXXX Case # XXXX ), and confirmed that the status had been corrected and retroactively updated to reflect forbearance for XXXX and XX/XX/2025. 

Despite this, my credit score dropped from approximately XXXX to XXXX, and several of my credit cards were closed or had their limits drastically reduced. This has caused lasting harm to my financial stability, all due to a mistake that was entirely outside my control.

Company response to consumer: Closed with explanation