vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC XXXX. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXXXXXX XXXX XXXX  Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXXXXXX XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section XXXX A. States I have the right to privacy. 15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C XXXX ( a ) ( XXXX ) 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 XXXX years. 15 U. S. C, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NV

Complaint narrative:
It has come to my attention that XXXX XXXX is reporting inaccurate late payments on my report such as XX/XX/XXXX XX/XX/XXXX please reinvestigate I make 2 different payments to pay early around that time but for odd reason being reported as monthly payment is late

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 2025-09-06 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: GA

Complaint narrative:
Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts from my Transunion credit file, as they are the result of identity theft and/or a data breach and were opened or reported without my authorization or consent. 
The following accounts are fraudulent and must be deleted under 15 U.S. Code 1681c-2 ( FCRA Section 605B ) : 15 U.S. Code 1681e ( b ) Fair Credit Reporting Act ( FCRA ) You are legally obligated to maintain maximum possible accuracy in the preparation and dissemination of consumer reports. By failing to safeguard my data or allowing unauthorized reporting of false or breached data, you are in direct violation of this statute.

15 U.S. Code 1681c1 Identity Theft Protections As per this law, when identity theft or data compromise is alleged, you are required to block the reporting of any fraudulent information within 4 business days of receiving proper documentation. Failure to do so constitutes willful noncompliance.

Federal Trade Commission Act ( 15 U.S.C. 4158 ) You have violated Section 5, which prohibits unfair or deceptive acts in commerce by failing to protect my personally identifiable information ( PII ). Allowing unauthorized parties to access or use my data is a clear breach of trust and federal duty.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) This law mandates that you implement safeguards to ensure the security and confidentiality of customer records. The failure to protect my data is a breach of federal data security standards.

Breach Notification Laws under 16 C.F.R. Part 314 ( FTC Safeguards Rule ) If you became aware of a data breach involving my information and failed to notify me promptly, you are also in violation of federal regulations requiring timely notice of such breaches. 
Fraudulent Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/year> {$21000.00}

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I opened a dispute with Bank of America for a {$14000.00} and {$8600.00} charge from I2G AA Renovations for incomplete and unsafe renovation work.

I submitted detailed documentation, including a breakdown of unfinished work, invoices, photos, new estimates and invoices, and a second-opinion letter. On different phonecalls, Bank of America dispute representatives confirmed my documents that were either uploaded or faxed were attached to the files.

Despite this, the bank repeatedly cycled my claims between request for additional information and claim complete, closing the {$14000.00} dispute multiple times without explaining what was missing. More than two months after the claim began, they asked for a second opinion letter, which was difficult to obtain since other contractors had already started repairs but I still got one of the contractors that took over the project to complete the second opinion letter.

I called and faxed multiple document after asking Bank of America to tell me exactly what else was required. They never gave a clear answer. Their denial letters only say they can not confirm that I did not receive what I paid for, even though the pictures, invoices and estimates clearly show otherwise.

I used my credit card for this contractor specifically for the protection it offers, but Bank of America has not handled my disputes fairly or transparently.

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 monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken.

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 2025-09-06 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: TX

Complaint narrative:
I am a victim of identity theft. I have been XXXX XXXX XXXX I have no knowledge of these accounts listed on my reports.

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 2025-09-06 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: TX

Complaint narrative:
I am a victim of identity theft. I have been XXXX XXXX XXXX I have no knowledge of these accounts listed on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
My personal data was illegally accessed during the recent TransUnion data breach. I did not authorize this account/inquiry/address, and it is the result of identity compromise. Please investigate this matter, remove the inaccurate information, and update my credit report accordingly.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion data breach. Will not let me upload my dispute from credit karma

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 2025-09-06 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: MD

Complaint narrative:
On XX/XX/scrub> 2025, I sent TransUnion a Formal Demand for Deletion disputing inaccurate and unverifiable information on my credit report. My consumer data was also compromised in the XX/XX/year>2025 TransUnion data breach, and my file is flagged with an extended fraud alert. Because of this breach, TransUnion can not presume the accuracy of any disputed data, yet it continues to report damaging information. 

The disputed items include : XXXX XXXX Reported as a {$8200.00} charge-off. 

XXXX  Reported as a 30-day late payment in XX/XX/year>2025. 

Unauthorized Inquiries XXXX XXXX XXXX  XX/XX/year>025 )XXXX XXXX  ( XXXX/XXXX/2025 ), XXXX XXXX XXXX XXXX/2025 XXXX XXXX XXXX XXXX XXXX/2025 ). 

I specifically requested that TransUnion provide original, documented proof ( signed contracts, payment histories, written authorization for inquiries ). TransUnion failed to provide this information. Instead, it relied on unverifiable electronic responses, which do not satisfy its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i ( a ).

By failing to properly reinvestigate and correct these inaccuracies, TransUnion is in willful noncompliance with the 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 non-monetary relief
Consumer complaint received 2025-09-06 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: NV

Complaint narrative:
TransUnion had a data breech that shared my information now my credit isnt correct nor are the debts reported.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to follow up on my previous letter dated XXXX XXXX in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my credit card, XXXX XXXX XXXX. To date, I have not received confirmation of the correction nor observed any changes in my credit report.

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/year> & XX/XX/year> If the necessary corrections are not made within 15 days, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this important matter.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was breach with TransUnion. I have put in a dispute.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To : Experian TransUnion Equifax Subject : Formal Dispute Unauthorized Bankruptcy Reporting & Account Remarks Dear Credit Bureau ( s ), I am formally disputing the inaccurate reporting of a XXXX XXXX Bankruptcy on my credit file. After investigation, I confirmed with the United States Bankruptcy Court, Northern District of Ohio ( Letter dated XX/XX/year> ) that the court does not communicate with, nor provide any information to, the credit bureaus. Bankruptcy records are simply stored in PACER as public records. At no point did I grant permission for my personal information to be extracted, used, or reported by your agency.

By reporting this bankruptcy, you have acted without my authorization, and in direct violation of : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Duty to block fraudulent information resulting from identity theft or unauthorized use.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Duty to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) : Duty to reinvestigate disputed information.

UCC 1-308 : Reservation of rights I do not waive any rights by disputing, and I reserve the right to seek damages.

This false reporting has hindered my ability to obtain credit, housing, and fair opportunities, and constitutes defamation of character. If this is not removed immediately, I will pursue arbitration and damages.

Accounts Improperly Marked with Bankruptcy Remarks In addition, the following accounts are paid/closed in full, yet continue to carry bankruptcy remarks, which is misleading and damaging : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple accounts ) XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  These accounts must be updated to reflect Paid/Closed Account in Good Standing instead of any XXXX  XXXX Bankruptcy reference. Continuing to report bankruptcy remarks on paid accounts is a violation of FCRA 1681s-2 ( furnishers duty to provide accurate information ).

DEMAND 1. Immediately delete the bankruptcy from my credit report.

2. Correct the remarks on all listed accounts to show Paid/Closed with no bankruptcy references.

3. Provide me with an updated copy of my credit report reflecting these corrections within 15 days.

Failure to comply will result in arbitration and a federal lawsuit for damages under the FCRA, UCC, and any applicable state laws.

I expect a response within the statutory time period. 

Sincerely, XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To : Experian TransUnion Equifax Subject : Formal Dispute Unauthorized Bankruptcy Reporting & Account Remarks Dear Credit Bureau ( s ), I am formally disputing the inaccurate reporting of a XXXX XXXX Bankruptcy on my credit file. After investigation, I confirmed with the United States Bankruptcy Court, Northern District of Ohio ( Letter dated XX/XX/year> ) that the court does not communicate with, nor provide any information to, the credit bureaus. Bankruptcy records are simply stored in PACER as public records. At no point did I grant permission for my personal information to be extracted, used, or reported by your agency.

By reporting this bankruptcy, you have acted without my authorization, and in direct violation of : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Duty to block fraudulent information resulting from identity theft or unauthorized use.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Duty to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) : Duty to reinvestigate disputed information.

UCC 1-308 : Reservation of rights I do not waive any rights by disputing, and I reserve the right to seek damages.

This false reporting has hindered my ability to obtain credit, housing, and fair opportunities, and constitutes defamation of character. If this is not removed immediately, I will pursue arbitration and damages.

Accounts Improperly Marked with Bankruptcy Remarks In addition, the following accounts are paid/closed in full, yet continue to carry bankruptcy remarks, which is misleading and damaging : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple accounts ) XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  These accounts must be updated to reflect Paid/Closed Account in Good Standing instead of any XXXX  XXXX Bankruptcy reference. Continuing to report bankruptcy remarks on paid accounts is a violation of FCRA 1681s-2 ( furnishers duty to provide accurate information ).

DEMAND 1. Immediately delete the bankruptcy from my credit report.

2. Correct the remarks on all listed accounts to show Paid/Closed with no bankruptcy references.

3. Provide me with an updated copy of my credit report reflecting these corrections within 15 days.

Failure to comply will result in arbitration and a federal lawsuit for damages under the FCRA, UCC, and any applicable state laws.

I expect a response within the statutory time period. 

Sincerely, XXXX XXXX XXXX Without Prejudice

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 2025-09-06 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: Synovus Bank
State: VA

Complaint narrative:
XXXX  XXXX First Progress has illegally reported on my PII incorrect information for a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-09-06 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: KS

Complaint narrative:
TransUnion confirmed a data breach on XX/XX/year>, that affected the personal information of over XXXX XXXX U.S. consumers, which was discovered on XX/XX/year>, after unauthorized access to a third-party application used in its consumer support operations. The breach, which involved sensitive personal information, Im reporting that the debts on my account are false due to the nature of this breach, my information was used to make these transactions.

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