vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: AL

Complaint narrative:
I am submitting this complaint regarding eight unauthorized hard inquiries that have appeared on my Equifax credit report. These inquiries were not initiated, approved, or authorized by me and are the result of identity theft. Despite filing disputes with Equifax and submitting an FTC Identity Theft Report ( filed on XX/XX/XXXX ), the inquiries have not been removed. 

The following hard inquiries were fraudulently made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries are negatively affecting my credit score and were made without my permission. I have submitted proper identification, an FTC Identity Theft Report, and supporting documentation to Equifax, but they have failed to take action to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is one of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is one of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-05 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: GA

Complaint narrative:
Failure to Block Fraudulent Accounts FCRA 605B Noncompliance CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as XXXX ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Complaint Letter to CFPB Regarding Ally Bank To Whom It May Concern, I am filing a formal complaint against Ally Bank regarding a series of unauthorized transactions that occurred on my checking account and the bank 's refusal to return the funds. 

On XX/XX/year>, a group of fraudulent transactions totaling {$2300.00} were withdrawn from my Spending Account ( ending in XXXX ). I did not authorize these transactions and promptly reported them to Ally Bank. The bank initially issued a provisional credit but later reversed it, leaving my account with a negative balance of {$2300.00}. 

Instead of resolving the matter appropriately, Ally Bank proceeded to withdraw funds from my Savings Account ( ending in XXXX ) to cover the overdraft caused by these fraudulent charges. Despite this, my checking account remains blocked and the dispute case has been closed without proper justification or supporting documentation. 

I believe Ally Bank is violating consumer protections under Regulation XXXX by refusing to refund the fraudulent amount and by taking unauthorized action on my savings account to cover a disputed balance. I complied fully with all reporting deadlines and procedures, and I continue to suffer financial hardship due to the bank 's mishandling of this case. 

The reference case number provided by Ally Bank is : * * XXXX * *. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that the funds are returned, my checking account is reinstated, and the bank is held accountable for improperly removing money from my savings account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX 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 2025-08-05 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: NE

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MMG Law Group, PLLC
State: TN

Complaint narrative:
Dont know anything about this company and they couldnt verify and wet signatures from their company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 2025-08-05 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I noticed inquiries that I do not recognized on my credit report that I recently pulled. Please see my attached Identity Theft Report and the list of those Inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing a complaint about multiple inaccurate, unverifiable, and outdated accounts listed on my credit report. 

XXXX. XXXX Account is closed but still shows XXXX days late. The reported balance appears active without validation or updated account activity. 

XXXX. XXXX XXXX XXXX XXXX as a collection or charge-off, but with no payment history or accurate account details. Different bureaus show inconsistent reporting. 

XXXX. XXXX XXXX XXXX - XXXX charge-off from XXXX that was closed in XXXX but is still being reported. I already disputed this account, yet it was not corrected or removed. 

I sent formal dispute letters to Experian, TransUnion, and Equifax. 
I also submitted a report to the FTC. These accounts violate FCRA 605 and 611 due to their obsolete, unverifiable, and inaccurate status. 
I'm asking the CFPB to ensure they are fully investigated and deleted if not validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MO

Complaint narrative:
I am filing a complaint about multiple inaccurate, unverifiable, and outdated accounts listed on my credit report. 

XXXX. XXXX Account is closed but still shows XXXX days late. The reported balance appears active without validation or updated account activity. 

XXXX. XXXX XXXX XXXX XXXX as a collection or charge-off, but with no payment history or accurate account details. Different bureaus show inconsistent reporting. 

XXXX. XXXX XXXX XXXX - XXXX charge-off from XXXX that was closed in XXXX but is still being reported. I already disputed this account, yet it was not corrected or removed. 

I sent formal dispute letters to Experian, TransUnion, and Equifax. 
I also submitted a report to the FTC. These accounts violate FCRA 605 and 611 due to their obsolete, unverifiable, and inaccurate status. 
I'm asking the CFPB to ensure they are fully investigated and deleted if not validated.

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 2025-08-05 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:
XXXXI am filing a formal complaint i request to blocking of fraudulent information on my credit report that is the result of identity theft. This request is being made in accordance with Section 605B of the Fair Credit Reporting Act (15 U.S.C.  1681c-2).\nI have recently discovered unauthorized accounts and/or inquiries listed on my credit report that I did not open or authorize. These accounts and/or inquiries are the result of identity theft, which I have documented and reported to the appropriate authoritiesXXXXIn support of this request, I have enclosed the following as required under FCRA  605B:\nFraudulent AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXI am filing a formal complaint i request to blocking of fraudulent information on my credit report that is the result of identity theft. This request is being made in accordance with Section 605B of the Fair Credit Reporting Act (15 U.S.C.  1681c-2).\nI have recently discovered unauthorized accounts and/or inquiries listed on my credit report that I did not open or authorize. These accounts and/or inquiries are the result of identity theft, which I have documented and reported to the appropriate authoritiesXXXXIn support of this request, I have enclosed the following as required under FCRA  605B:\nFraudulent AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-05 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:
My credit report contains multiple inaccurate and unverifiable items that are negatively affecting my credit profile. I have previously submitted disputes to the credit reporting agencies, but several of those items were not properly investigated and were marked as verified without legitimate documentation or explanation. 

In addition, I have now identified new inaccurate or outdated entries that have not yet been disputed. These items are also harming my credit and appear to be in violation of the Fair Credit Reporting Act ( FCRA ), including sections related to the duty to maintain maximum possible accuracy and to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i and 1681e ( b ) ).

I am requesting a full reinvestigation of all disputed accounts, immediate deletion or correction of any unverifiable or inaccurate information, and confirmation that the credit bureaus and furnishers have complied with FCRA obligations. 

Supporting documentation has been attached to show the errors and previous attempts to resolve them. 

I expect a fair and lawful resolution to this complaint. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that this account be deleted, as I have written in my complaint. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy of the information reported for the above-referenced account by Experian, Equifax, and TransUnion. Upon careful review, significant inaccuracies and multiple violations were identified : Inaccuracies and Violations : 1. Incorrect Account Status Reporting : Experian lists the account as " 30 Days Past Due '' with 92 % timely payments, yet simultaneously shows recent payments as timely, creating contradictory and misleading information.

Equifax reports a " Late 30 Days '' payment status despite a stated 100 % timely payment history. 
XXXX. Incorrect Balance and Past Due Amount : Both Experian and Equifax inaccurately report a past due amount of {$690.00}, despite payment records clearly indicating timely payments. 
XXXX. Inconsistent Last Activity Dates : Experian and TransUnion report a last activity date of XX/XX/year>, while Equifax incorrectly lists it as XX/XX/year>, resulting in misleading and inconsistent reporting. 
XXXX. Inaccurate and Incomplete Payment History : Numerous months across all bureaus show " No data available, '' hindering proper verification and violating the completeness requirement stipulated by the FCRA. 
Total Violations : XXXX violations per bureau, totaling XXXX violations. 
Under the FCRA, each violation carries potential statutory damages of up to {$1000.00}, bringing the total potential statutory damages to {$12000.00}. 
I demand the following immediate corrective actions : Provide verifiable documentation supporting any alleged late payments. 
Immediately correct or remove all inaccurate payment statuses, balances, and past due amounts from my credit reports. 
Delete the entire account immediately from Experian, Equifax, and TransUnion due to significant inaccuracies and violations of the FCRA. 
Failure to comply with these demands within 30 days of receipt will result in escalated legal action, pursuing full statutory damages and additional legal remedies available. 
Please provide written confirmation upon completion of these corrections and deletions. 
Respectfully, 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