vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint because my credit report contains factually inaccurate and unauthorized address entries that must be permanently removed. The following addresses do not belong to me and were added to my credit file without my consent : XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Timeline of XXXX  and Actions Taken : On XX/XX/year>, I discovered these two unauthorized addresses listed on my credit report while reviewing my personal information for accuracy. 

I reside solely at my legal and verified address : XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX. 

I have never lived at, nor had any financial or legal ties to, the addresses in XXXX XXXX VA or XXXX XXXX, TX. 

These addresses may indicate possible identity theft or file misassociation, raising serious concerns regarding the accuracy of the data maintained by the credit reporting agencies.

Violation of Federal Law : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. The presence of these incorrect addresses constitutes a clear violation of this requirement. 

Furthermore, I have the right under 15 U.S.C. 1681i to dispute inaccurate information and to expect a full reinvestigation within 30 days. The failure to promptly remove these addresses, if already disputed, would further violate my rights.

Personal Impact : The listing of addresses I have no association with places me at risk for identity theft, financial fraud, and adverse credit decisions based on false data. It also causes undue stress and forces me to expend time and resources to correct errors I did not create.

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau ensure that all relevant credit reporting agencies : Immediately delete the unauthorized addresses listed above from my credit file.

Confirm in writing that these addresses have been removed.

Conduct a reinvestigation to determine how these addresses were added and take steps to safeguard my file against further erroneous entries. 

Supporting Documentation : I am prepared to submit a copy of my government-issued ID, a utility bill showing my correct legal address, and any relevant dispute letters or FTC Identity Theft Report upon request. 

Thank you for your attention to this matter and for helping to enforce the legal standards of accuracy and consumer protection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint because my credit report contains factually inaccurate and unauthorized address entries that must be permanently removed. The following addresses do not belong to me and were added to my credit file without my consent : XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Timeline of XXXX  and Actions Taken : On XX/XX/year>, I discovered these two unauthorized addresses listed on my credit report while reviewing my personal information for accuracy. 

I reside solely at my legal and verified address : XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX. 

I have never lived at, nor had any financial or legal ties to, the addresses in XXXX XXXX VA or XXXX XXXX, TX. 

These addresses may indicate possible identity theft or file misassociation, raising serious concerns regarding the accuracy of the data maintained by the credit reporting agencies.

Violation of Federal Law : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. The presence of these incorrect addresses constitutes a clear violation of this requirement. 

Furthermore, I have the right under 15 U.S.C. 1681i to dispute inaccurate information and to expect a full reinvestigation within 30 days. The failure to promptly remove these addresses, if already disputed, would further violate my rights.

Personal Impact : The listing of addresses I have no association with places me at risk for identity theft, financial fraud, and adverse credit decisions based on false data. It also causes undue stress and forces me to expend time and resources to correct errors I did not create.

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau ensure that all relevant credit reporting agencies : Immediately delete the unauthorized addresses listed above from my credit file.

Confirm in writing that these addresses have been removed.

Conduct a reinvestigation to determine how these addresses were added and take steps to safeguard my file against further erroneous entries. 

Supporting Documentation : I am prepared to submit a copy of my government-issued ID, a utility bill showing my correct legal address, and any relevant dispute letters or FTC Identity Theft Report upon request. 

Thank you for your attention to this matter and for helping to enforce the legal standards of accuracy and consumer protection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: PR

Complaint narrative:
There are two accounts in my credit report that shows fraudulents charges. 

XXXX account number XXXXXXXX XXXX account Number XXXX Remove these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: PR

Complaint narrative:
There are two accounts in my credit report that shows fraudulents charges. 

XXXX account number XXXXXXXX XXXX account Number XXXX Remove these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-06-04 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: TX

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-06-04 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: AR

Complaint narrative:
I am filing a formal complaint against Equifax for its continued reporting of a disputed bankruptcy that is unverified, legally questionable, and being challenged by the original data reseller, XXXX Risk Solutions.

Despite multiple dispute attempts, Equifax continues to report this bankruptcy as verified and accurate. However, they have failed to provide any legally sufficient documentation or explanation as to how they reached this conclusion, in violation of their obligations under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Duty to follow reasonable procedures to ensure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) Duty to conduct a reasonable reinvestigation upon dispute ; 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Duty to provide a detailed explanation of the method of verification. 

In a written statement dated XX/XX/year>, XXXX confirmed they disputed the bankruptcy on my behalf and contacted Equifax for resolution. As of that date, they had not received a response from Equifax. This means the original source of the data is actively challenging its accuracy and trying to correct the record, yet Equifax refuses to acknowledge or act on this dispute. If the furnisher no longer stands behind the record, Equifax can not legally continue to verify it as accurate or complete.

Furthermore, the Eastern District Bankruptcy Court of Arkansas has confirmed they do not furnish information to XXXX, Equifax, XXXX, or any third-party credit reporting agency. Likewise, PACER is a publicly accessible database and not a valid method of verification under the FCRA it does not provide authentication or permission to attach court records to credit reports. 

Equifaxs dispute results are generic and fail to name the source of verification, violating FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Their lack of transparency is preventing a fair resolution and is materially harming my ability to move forward financially. 

For comparison, XXXX has already removed the bankruptcy from my report, acknowledging that it could not be verified. Equifaxs refusal to do the same is inconsistent, noncompliant, and discriminatory. 

I am a XXXX XXXX and full-time college student in Arkansas trying to qualify for a mortgage and purchase my first home. This inaccurate reporting is preventing me from doing so. I have also filed a complaint with the Arkansas Attorney Generals Consumer Protection Division as of XX/XX/year>, and they are currently investigating this matter. 

Equifax is knowingly reporting unverified information, ignoring disputes from both the consumer and the furnisher, and violating multiple provisions of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I received a phone call from the bank and the bank stated that the money was not mine. 
But confirmed that money was there. There is a bank executive handling this account I believe locally fraudulently. They are wishing and hoping that I pass away, be murdered, etc. so that they don't have to answer to it. Someone presented fake documents to the bank giving this person Power over the funds and letting people whom I don't know remove money. Fake documents meaning fake POA or affidavit. Fake death certificate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was scammed out of {$310.00} through XXXX XXXX by someone impersonating a public figure ( XXXX XXXX XXXX  ). I believed it was a business opportunity and sent the money. After realizing it was a scam, I immediately contacted my bank and submitted clear text message proof showing the scammer lied about their identity and intentions. 

My bank denied the claim and said I needed to speak with XXXX. XXXX also denied my request and refused to investigate or open a claim. I am now left with my account in the negative, despite having done everything I could to recover the funds. 

I am requesting the CFPB help me resolve this issue and hold my bank and XXXX XXXX accountable for failing to protect consumers in cases of impersonation and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 2025-06-04 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:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 contacting you regarding several credit inquiries listed in my file that I did not authorize. These inquiries are highly suspicious, as I have no relationship with the companies involved, nor did I apply for credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE Financial Services is telling me i owe a about {$70.00} debt but wont send me a validation letter and its been almost 3 weeks way past the 5 day mark. Ive called them twice about it and they still havent send it or are very aggressive asking my name and i refuse to answer there questions because they have my account number and they have my address and they have not mailed me a validation form in writing. 

All they have done is text me a picture on XX/XX/year> of the form but the debt is only {$35.00} so im not sure how much i owe or if im still legally required to sense they failed to send me a validation form. 

They called me XX/XX/XXXX again asking me about the debt and i told him that i never received the debt in writing and am still waiting and will pay when i get it. But now im learning about this 5 day rule that they have broken!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/XXXX, this email was sent to the executive team of Citibank : I am writing to request immediate intervention regarding a dispute on my Citi credit card account and an increasingly distressing lack of access to customer service and account resolution tools. 

On XX/XX/XXXX, I opened a new Citi credit card and accepted a balance transfer prompt. Only after submitting the request was I informed that the transfer would carry over a 28 % interest rate, with no opportunity to cancel or confirm the terms before processing. I immediately called Citi that same day and was told the transfer had not yet been processed, but also could not be canceled. As a precaution, I also reported the transfer as fraud to prevent it from going through. 

Later that same day, I paid off and closed my XXXX credit card, unaware the transfer would still be processed. 

Since XX/XX/XXXX, I have contacted multiple representatives in Citis Customer Service, Fraud, and Executive Resolution Department. Not once was I given a case number, a point of contact, or a direct line for follow-up, despite repeatedly requesting them. 

On XX/XX/XXXX, I was billed {$4700.00} by Citi for the transfer. XXXX has since refunded me the transferred amount, so Citi is charging me for a transaction that is now nullified and was never properly authorized. 

To make matters worse, I am now locked out of my Citi online account and completely unable to reach a representative by phoneincluding via the Executive Response Team line. I am cut off from viewing, managing, or disputing this account entirely. 

I am urgently requesting : Removal of all interest and fees related to the balance transfer A full refund of the annual card membership fee Once resolved, closure of this card account in good standing Please assign this matter to a senior resolution specialist. I am available to verify my identity and account details as needed. 

On XX/XX/XXXX, I spoke with a representative at Citibank who told me there was nothing they could do about the fees.

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