vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: CA

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 2025-05-02 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: NY

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that I continue to believe is both inaccurate and incomplete. Despite submitting multiple disputes, the incorrect information remains unchanged, and it appears that no comprehensive or good-faith investigation has taken place. 

This ongoing issue has caused significant emotional distress and is now interfering with my daily life. I am increasingly frustrated and disheartened by the lack of meaningful resolution. 

Please note, this is not a vague or frivolous dispute. I am not seeking generic or automated responses. I have lawfully authorized a third-party representative to submit this dispute on my behalf, and all required identifying documentation has been provided to support immediate and proper handling of this matter. 

Thank you for your attention and prompt response.

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 2025-05-02 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 writing to formally dispute an account listed on my credit report that I continue to believe is both inaccurate and incomplete. Despite submitting multiple disputes, the incorrect information remains unchanged, and it appears that no comprehensive or good-faith investigation has taken place. 

This ongoing issue has caused significant emotional distress and is now interfering with my daily life. I am increasingly frustrated and disheartened by the lack of meaningful resolution. 

Please note, this is not a vague or frivolous dispute. I am not seeking generic or automated responses. I have lawfully authorized a third-party representative to submit this dispute on my behalf, and all required identifying documentation has been provided to support immediate and proper handling of this matter. 

Thank you for your attention and prompt response.

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 2025-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account is not mine and appears to be the result of a data breach or identity theft. It does not belong to me, and I did not authorize or open this account in any form. Despite showing a XXXX balance, the eviction-related entry is inaccurately affecting my credit profile. 

This false information misrepresents my financial responsibility and may unfairly influence potential creditors or landlords. I respectfully request the immediate deletion of this account from my credit report across all major credit reporting agencies to ensure my credit history is both accurate and fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XX/XX/XXXX {$52.00} interest and fees XX/XX/XXXX {$28.00} interest And fees XX/XX/XXXX. {$1.00} interest and fees XX/XX/XXXX {$10.00} interest and fees XX/XX/XXXX AGAIN {$20.00} IN interest and fees I made 11 additional payments this month each time being changes extra fees and interest on each additional payment I made in the same mont of XXXX According triple fees and interest payed then normally in XXXX total interest for month was only {$47.00} Total fees and interest in XXXX was {$52.00}.... I paid triple in fees and interest making 11 additional payments in 1 month illegal they stole my hard earned money!!!

Very angry

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 2025-05-02 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: TX

Complaint narrative:
I have a credit freeze and fraud alert protection on my account. I placed a thaw on my account on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX to run my credit. I never authorized XXXX XXXX XXXX XXXX XXXX to run my credit and they never reached out as proper protocol to validate as required with a credit fraud alert in place. I've tried to reach the number XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Transunion report multiple times with no luck. Transunion, advised that I reach out to the company and obtain a report from federal trade commission. This inquire is on my account illegally and I request it be removed. XXXX XXXX is the only company who reached out to validate authorization as outlined below. I had no idea of the other inquires until I checked my report. I immediately reached out to Transunion to ask how could this have happened with a fraud alert in place. 

Legal requirements : 15 U.S. Code 1681a When you place a fraud alert on your credit report ( especially an initial or extended fraud alert ), any company that pulls your credit is legally required to take extra steps to verify your identity before approving a new credit application. This often means : They must contact you directly ( usually by phone or another method you choose ) to confirm that you actually applied. 

They can not approve new credit in your name without verifying it's really you. 

This extra layer of protection helps prevent identity thieves from opening new accounts in your name without your knowledge. 


Transunion Responsibility : Review Reports for Fraud Accounts you didnt open Inquiries you didnt authorize * * * Dispute any inaccurate or suspicious information directly with the credit bureau . * * * *

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 2025-05-02 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: FIRST HORIZON BANK
State: NC

Complaint narrative:
I am filing this complaint regarding First Horizon Banks continued and unlawful reporting of inaccurate and misleading information to the credit bureaus. 

This account was paid in full and closed on XX/XX/XXXX. Despite that, First Horizon has continued to report late payments as recent as XXXX and XXXX, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting guidelines. 

Additionally, they appear to be reaging the account, artificially updating the date of last activity to make the account look more recent than it truly is. This deceptive practice is designed to damage my credit profile and extend the negative impact of a closed accountwhich is illegal under FCRA 623 ( a ) ( 2 ) ( A ), requiring furnishers to report accurate and complete information.

I have already disputed this multiple times directly with the credit bureaus, yet the inaccurate reporting continues. First Horizons actions are misleading, damaging, and in blatant violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX updated my credit card as being pay down and my credit score when up 2 days later they reported that my credit card wasnt paid and it lowered my credit score. Its shores credit decreased then two days later it said it increased by the same amount it decreased. Report is wrong

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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I received a letter dated XX/XX/year> on XX/XX/year> indicating my account had been closed as of XX/XX/year> with no specific reason given and without cause. I have paid substantially more than required every month for years, my credit score remains in the XXXX ( confirmed today ), and nothing else has changed except differing income sources. 

But they closed me without notice as indicated by the dates above causing automatic payments to bounce and I can not claim my remaining rewards points as a statement credit despite them claiming I can.

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 2025-05-02 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: OH

Complaint narrative:
I am a victim of identity theft and my information was involved in the XXXX data breach and the listed and the below listed accounts need to be blocked and removed from my credit report. 
Please see supporting documentation pertaining to XXXX  data breach identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX { Last 4 SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # : XXXX Dear XXXX  Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the XXXX  data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dpt of EdXXXX XX/XX/XXXX Dpt of EdXXXX XXXX. XX/XX/XXXX Dpt of EdXXXX XXXX XX/XX/XXXX Dpt Of Ed/ XXXX. XX/XX/XXXX Dpt of EdXXXX. XX/XX/XXXX Dpt of Ed/XXXX. XX/XX/XXXX Dpt of EdXXXX. XX/XX/XXXX Dpt of EdXXXX XXXX. XX/XX/XXXX Dpt of EdXXXX. XX/XX/XXXX Dpt of EdXXXX. XX/XX/XXXX Dpt of EdXXXX XXXX. XX/XX/XXXX In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2025-05-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX SYNCB, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All of ran my credit without my knowledge or consent

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 2025-05-02 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: Advantage Credit, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Advantage CreditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of ran my credit without my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX Has ran my credit on XX/XX/2025 without my permission

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 2025-05-02 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: NY

Complaint narrative:
I have submitted multiple disputes concerning the accuracy and completeness of the payment history for the accounts listed below. Despite these efforts, I continue to see several inaccuracies that qualify as billing errors under 15 USC 1666 ( b ). To the best of my knowledge, I was never late on any of these accounts, and I respectfully request that the records be corrected to show timely payments.

This ongoing issue has caused significant stress and is taking a toll on my daily life. The continued lack of resolution has left me feeling mentally and emotionally exhausted.

For clarity, I am submitting this dispute on my own behalfno third party is involved. I kindly ask that you conduct a thorough and fair review of this matter as soon as possible. 

Thank you for your time and understanding.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Equifax Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within XXXX days. 
- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate. 
- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. 

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint XXXX XXXXXXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint XXXX XXXXXXXX resulted in successful removal of unverifiable account data following a formal dispute. 

XXXX XXXX and XXXX XXXX : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: VA

Complaint narrative:
I have been the victim of identity theft, resulting in unauthorized and inaccurate information being reported on my credit files by Equifax. My personal identifying information has been unlawfully used without my consent. As a result, fraudulent accounts and inquiries were reported, severely harming my credit, without proper verification. I previously submitted removal requests, yet these inaccuracies remain. I do not consent to a fraud alert. I demand deletion of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-02 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:
b'This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal: Pursuant to 15 U.S. Code  1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four (4) business days of receiving this letter. These are the list of Items need to be deleted AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S. Code 1681a(2)(B) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.'

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