vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
Hello Sir/Madam My name is XXXX XXXX I am a resident of XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I am the rightful owner of the personal and financial information associated with this complaint. I was a victim of the Equifax data breach, publicly acknowledged by Equifax in XX/XX/XXXX, which exposed the sensitive personal and financial information of millions of individuals, including mine. As a direct result of the data breach, fraudulent accounts were opened or attempted to be opened in my name without my authorization. The following accounts are fraudulent and have been added to my FTC complaint. XXXXXXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX - {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX {$78.00} Closed XXXX XXXXXXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX - {$160.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed ALSO HARD INQUIRIES I DO NOT RECOGNIZE Transunion and Experian XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX AXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX & XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX/ Inquiry : XXXX XXXX, XXXX I have filed an identity theft report with the Federal Trade Commission XXXX FTC XXXX and have included the fraudulent accounts listed above. A copy of this report is attached for reference. Equifax failed to adequately safeguard my sensitive personal information, which led to these fraudulent activities. This constitutes a violation of their duty to protect consumer information under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). Under the FCRA, consumers have the right to : Dispute inaccurate information on their credit reports ( 15 U.S.C. 1681i ). Expect credit reporting agencies to take reasonable steps to verify disputed information ( 15 U.S.C. 1681s-2 ). Be free from negligence in handling their credit information ( 15 U.S.C. 1681n and 1681o ). Equifax is obligated to ensure reasonable measures are in place to prevent unauthorized access to personal and financial data, as per federal guidelines for safeguarding sensitive consumer data.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some accounts have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent accounts from my file that were opened without my permission. Please see the listed accounts below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some accounts have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent accounts from my file that were opened without my permission. Please see the listed accounts below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against Experian and TransUnion for their continued reporting of inaccurate late payment entries associated with my XXXX XXXX account. Despite multiple disputes submitted over the past XXXX months with complete supporting documentation, the agencies have failed to investigate and correct the errors in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

Disputed Accounts XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Reported Late Payment Open ) * * XXXX  XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Reported Late Payment Open ) * * Violations Under XXXX XXXX. XXXX, creditors must : Acknowledge receipt of a billing error notice within XXXX  days, Investigate and resolve the error within XXXX billing cycles ( not more than XXXX  days ), and Provide a written explanation, including documents relied upon. 

To date, Experian and TransUnion have : Failed to provide a lawful resolution, Refused to supply documentation relied upon in their determinations, and Continued to report inaccurate information despite irrefutable evidence provided. 

This conduct violates 15 U.S.C. 1666, 15 U.S.C. 1681s-2, and may also constitute violations of state consumer protection 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 2025-09-12 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: CA

Complaint narrative:
I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 explanation
Consumer complaint received 2025-09-12 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : 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 2025-09-12 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: MS

Complaint narrative:
I am filing this complaint because all three nationwide credit reporting agencies ( Equifax, Experian, and TransUnion ) are reporting inaccurate and fraudulent accounts in my credit file. 

Despite sending written disputes and requests for investigation to each bureau, they continue to report accounts that do not belong to me, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX others listed in my disputes. 

These accounts are fraudulent. I never opened them, and I have no relationship with these creditors. In addition, several inaccurate public records ( including bankruptcy court notations ) and hard inquiries remain on my reports. 

The credit bureaus have failed to : Properly investigate my disputes as required under the Fair Credit Reporting Act ( FCRA ). 

Remove fraudulent and inaccurate accounts, inquiries, and public records. 

Provide me with proper verification of the alleged accounts. 

This has caused severe harm to my credit standing, stress, and difficulty obtaining credit.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I disputed unauthorized inquiries & inaccurate items on my credit report. Instead of properly investigating, the bureau sent back canned responses and left the errors in place. 

Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau cant validate disputed info, it must be deleted not ignored. This failure to validate is a direct violation of federal law and damages my credit standing. 

Consumers : check your reports, know your rights, and dont let them get away with it. If your disputes are mishandled, file a complaint with the CFPB and your state Attorney General.

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 2025-09-12 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:
On XX/XX/year>, I noticed XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX are reporting inaccurate and unverifiable information on my credit file. I have never received a valid contract, signed by me, that authorizes them to report these accounts. I have asked multiple times for them to provide physical verification of the original signed agreement as required by the Fair Credit Reporting Act ( FCRA 609 ( a ) ( 1 ) ( A ) ), but they have failed to produce it.

Instead, they continue to report these accounts, which are causing financial harm to me. The continued reporting without proper verification violates the FCRA and is misleading to other creditors who rely on this data. I have also reviewed the Consumer Financial Protection Bureaus own complaint database and found similar consumer complaints where the CFPB obtained relief for the consumer in these situations. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-12 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: IL

Complaint narrative:
Upon reviewing my credit report, I identified multiple account that I did not open or authorize. This account appear to have been fraudulently created using my personal information without my knowledge or consent. As such, I am requesting their immediate removal from my credit file. Here is the account I am disputing : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} Under the Fair Credit Reporting Act ( FCRA ) 605B, I formally request that these account be removed from my credit report. If you believe any of this account is valid, please provide verifiable documentation, such as the original signed application or any evidence bearing my signature.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good evening My name is XXXX XXXX I been a chase member for XXXX years loyal. I work i am a honest woman, my mother won a XX/XX/XXXX compensation settlement in the amount of XXXX which was deposited in a joint chase account. I put XXXX in a CD and have the rest as day to day living. Now today XX/XX/XXXX I recieve a notice that my accounts all XXXX will be closed in 30 days. And now I'm highly upset crying and like what I been loyal to chase bank. The reasoning they refuse to give me on numerous phone calls made. I now was forced to open a XXXX XXXXXXXX account which I'm trying to transfer my money through wire transfer and external account and is being rejected also. I feel this is a scam to retrieve my funds I am prepared to involve the news and social media on all platforms. Please this is my last resort to resolve this matter. I want all my money back and transfered to my new account. I also want to end my CD and any buisness with chase but before my 30days expiration chase gave I want all my money transfer to my new bank/account. I have proof of everything every single thing I'm giving this 2 days to be resolved respectfully this is me and my mother 's money and will not tolerate any scam. Please contact through email asap thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
Experian is reporting accounts on my credit file that I do not believe belong to me. These accounts are inaccurate, unverifiable, and reporting without permissible purpose. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents.

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 2025-09-12 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: PA

Complaint narrative:
Hello Sir/Madam My name is XXXX XXXX I am a resident of XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I am the rightful owner of the personal and financial information associated with this complaint. I was a victim of the Equifax data breach, publicly acknowledged by Equifax in XX/XX/XXXX, which exposed the sensitive personal and financial information of millions of individuals, including mine. As a direct result of the data breach, fraudulent accounts were opened or attempted to be opened in my name without my authorization. The following accounts are fraudulent and have been added to my FTC complaint. XXXXXXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX - {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX {$78.00} Closed XXXX XXXXXXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX - {$160.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed ALSO HARD INQUIRIES I DO NOT RECOGNIZE Transunion and Experian XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX AXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX & XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX/ Inquiry : XXXX XXXX, XXXX I have filed an identity theft report with the Federal Trade Commission XXXX FTC XXXX and have included the fraudulent accounts listed above. A copy of this report is attached for reference. Equifax failed to adequately safeguard my sensitive personal information, which led to these fraudulent activities. This constitutes a violation of their duty to protect consumer information under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). Under the FCRA, consumers have the right to : Dispute inaccurate information on their credit reports ( 15 U.S.C. 1681i ). Expect credit reporting agencies to take reasonable steps to verify disputed information ( 15 U.S.C. 1681s-2 ). Be free from negligence in handling their credit information ( 15 U.S.C. 1681n and 1681o ). Equifax is obligated to ensure reasonable measures are in place to prevent unauthorized access to personal and financial data, as per federal guidelines for safeguarding sensitive consumer data.

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