vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Those accounts are not mine. I just checked my credit and I don't recognize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Dear Whom it may concern, I am writing to express a concern regarding an interaction I had with an employee at BMO Bank, specifically XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 

As a loyal customer of BMO for many years, I have consistently appreciated the high standards of service provided by your institution. However, I have encountered some challenges recently while utilizing the drive-thru services to make deposits. On several occasions, I observed that XXXX XXXX made unprofessional remarks to my husband in a seemingly private setting, which I found concerning. 

Additionally, I have learned that XXXX XXXX was previously employed at XXXX XXXX XXXX, where she was let go due to similar issues related to customer interactions multiple times including affairs. My daughter is a now employee there and received insights from within. This background raises questions about the standards of professionalism maintained within BMO. 

I believe that upholding exemplary standards of customer service is crucial for maintaining the trust and loyalty of your clientele. I appreciate your attention to this matter and trust that you will consider it with the seriousness it deserves. 

Thank you for your time. 

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 2025-09-11 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XX/XX/year> Subject : Dispute of Private Student Loan Obtained Under False Pretenses ( FTC Complaint Filed ) To Whom It May Concern, I am formally disputing the validity of my private student loan with XXXX  account # XXXXThis account has already been reported to the Federal Trade Commission ( FTC Complaint No : XXXX due to deceptive and unfair practices by the school where I was enrolled. 

The school obtained access to my private student loan funds under false pretenses. Specifically : 1. They misrepresented that the program would obtain and maintain proper accreditation, which it never did.

2. They misled me into believing that borrowing private loans was necessary for my tuition and educational advancement, while funds were misapplied and not solely used for tuition.

3. They dismissed me from the program under misleading circumstances, leaving me with debt and no ability to complete my education. 

Because of this misrepresentation, I was induced to take on a private student loan debt that provided me with no educational or professional benefit. This constitutes fraudulent inducement and is a violation of consumer protection standards under the FTC Act and related state laws.

While I acknowledge that XXXX XXXX has reviewed the matter, the conclusion that I remain liable simply because the school did not return loan funds is unjust and fails to protect me as a borrower who was misled. 


By continuing to hold me liable, XXXX XXXX is disregarding consumer protection standards under the FTC Act and relevant state unfair and deceptive practices laws. This shifts the burden of fraud away from the responsible party ( the school ) and unfairly punishes me, the borrower, who acted in good faith. 

I respectfully demand that XXXX XXXX reconsider its determination, cease negative credit reporting and collection on this account, and cancel/discharge the loan obligation obtained through deception. 

Because, XXXX XXXX persists in enforcing this fraudulent debt, I have escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office for further investigation. Im requesting a reconsideration Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: 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  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
The review fails to acknowledge my responsible financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 want to follow up my dispute on the following items as fraudulent, unauthorized, and a direct result of a data breach in which my personal information was compromised. I did not open these items, nor did I authorize their use. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MD

Complaint narrative:
MY CREDIT HAS BEEN COMPROMISED NUMEROUS AMOUNTS OF TIME FROM DATA BREACH WITH EXPERIAN AND TRANSUNION

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I received multiple letters from TransUnion ( XXXX XXXX. XXXX ) regarding disputes I filed. These letters were improper stall tactics that violate the Fair Credit Reporting Act ( FCRA ). 

TransUnion has : Ignored my lawful requests for the method of verification required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Attempted to delay the dispute process by falsely claiming my requests were illegible or by demanding duplicate information already provided. 

Failed to forward my dispute to the furnisher within 5 business days as required by 1681i ( a ) ( 2 ) ( A ).

Continued to report inaccurate information on my credit file without properly reinvestigating under 1681i ( a ) ( 1 ) ( A ).

Specific account in dispute : XXXX XXXX. XXXX XXXX issued me a Form 1099-A, which proves the account was treated as abandoned/closed by the IRS. Despite this, TransUnion continues to report it as an open charge-off. This is inaccurate, misleading, and harmful to my credit profile. 

I have sent several dispute letters demanding deletion and verification, yet TransUnion has completely ignored these requests.

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 2025-09-11 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: CA

Complaint narrative:
I am a confirmed victim of identity theft. On XX/XX/year>, I filed an official FTC Identity Theft Report ( Report XXXX XXXXXXXX ) declaring that multiple accounts were fraudulently reported in my name without authorizationbreaking my orivaxy and vilating the law. These accounts include : XXXX XXXX Acct XXXX XXXX Acct XXXX XXXX  Acct XXXX XXXXXXXX I discovered these accounts in XX/XX/year> while reviewing my credit file. I never authorized these accounts to use my name or any personal information to report. Each was reported with a {$0.00} balance, but still continues to appear on my credit report, causing damage to my creditworthiness and violating my privacy rights. 

Specifically : The XXXX XXXX account is reported both as a collection and a charge-off, despite showing a {$0.00} balance and being listed as purchased by another lender. This double-reporting is contradictory and misleading. According to IRS Publication 4681, when creditors charge off {$600.00} or more, they must issue a Form 1099-C. Reporting an account as charged off yet collectible or transferred without issuing the required tax document misleads both the consumer and the IRS. 
The XXXX and XXXX accounts continue to appear on my file with no balance but misuse my personal identifiers without a permissible purpose, constituting a privacy violation under the FCRA. 

I immediately sent dispute letters to Equifax and other credit bureaus, enclosing my FTC Identity Theft Report, government ID, and proof of address. Despite this, the accounts remain on my report, in violation of multiple consumer protection laws. 

This reporting has caused me emotional distress, financial harm, and damage to my credit profile, affecting my ability to apply for legitimate credit. 

The company and credit bureaus are now on notice that this is an identity theft case and a privacy violation. My rights are protected under : FCRA 1681c-2 ( 605B ) obligation to block identity-theftrelated information.

FCRA 1681e ( b ) duty to maintain maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) right to dispute and reinvestigation.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibition against knowingly reporting false data.

FCRA 1681b limits on permissible purpose.

FDCPA 1692g ( a ) requirement for written debt validation.

IRS 1099-C Guidelines misreporting of charged-off accounts as collectible is misleading.

Despite providing proper documentation, I have received stall responses instead of compliance. This failure to act is willful noncompliance under 15 U.S.C. 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
I am a confirmed victim of identity theft. On XX/XX/year>, I filed an official FTC Identity Theft Report ( Report XXXX XXXXXXXX ) declaring that multiple accounts were fraudulently reported in my name without authorizationbreaking my orivaxy and vilating the law. These accounts include : XXXX XXXX Acct XXXX XXXX Acct XXXX XXXX  Acct XXXX XXXXXXXX I discovered these accounts in XX/XX/year> while reviewing my credit file. I never authorized these accounts to use my name or any personal information to report. Each was reported with a {$0.00} balance, but still continues to appear on my credit report, causing damage to my creditworthiness and violating my privacy rights. 

Specifically : The XXXX XXXX account is reported both as a collection and a charge-off, despite showing a {$0.00} balance and being listed as purchased by another lender. This double-reporting is contradictory and misleading. According to IRS Publication 4681, when creditors charge off {$600.00} or more, they must issue a Form 1099-C. Reporting an account as charged off yet collectible or transferred without issuing the required tax document misleads both the consumer and the IRS. 
The XXXX and XXXX accounts continue to appear on my file with no balance but misuse my personal identifiers without a permissible purpose, constituting a privacy violation under the FCRA. 

I immediately sent dispute letters to Equifax and other credit bureaus, enclosing my FTC Identity Theft Report, government ID, and proof of address. Despite this, the accounts remain on my report, in violation of multiple consumer protection laws. 

This reporting has caused me emotional distress, financial harm, and damage to my credit profile, affecting my ability to apply for legitimate credit. 

The company and credit bureaus are now on notice that this is an identity theft case and a privacy violation. My rights are protected under : FCRA 1681c-2 ( 605B ) obligation to block identity-theftrelated information.

FCRA 1681e ( b ) duty to maintain maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) right to dispute and reinvestigation.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibition against knowingly reporting false data.

FCRA 1681b limits on permissible purpose.

FDCPA 1692g ( a ) requirement for written debt validation.

IRS 1099-C Guidelines misreporting of charged-off accounts as collectible is misleading.

Despite providing proper documentation, I have received stall responses instead of compliance. This failure to act is willful noncompliance under 15 U.S.C. 1681n

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
To Whom It May Concern at the CFPB : I am submitting this complaint regarding an unresolved dispute with Bank of America that has resulted in a financial loss of {$2200.00} due to a mishandled refund process. 

On XX/XX/year>, I attempted two XXXX ( formerly XXXX ) transfers of {$2200.00} each. The first was successful. The second transaction was cancelled by me, and they confirmed that they never received the funds. However, the {$2200.00} was still withdrawn from my Bank of America account. 

I filed a dispute with Bank of America, and they initially refunded the amount. Unfortunately, they did so by retrieving the money from XXXX, not from their own system. As a result, XXXX requested I repay them, which I did manually, sending another {$2200.00}. 

When I attempted to have Bank of America return the original {$2200.00} to me ( as XXXX had only received funds once ), they denied it, labeling it a duplicate claim. This is incorrect I am only asking for reimbursement for the failed transaction that I paid for twice. 

I am now out {$4400.00} in total, with only one successful transfer and one cancelled. This issue has been ongoing since XXXX. I resubmitted my dispute on XX/XX/year>, and have not received a proper resolution. I called again on XX/XX/year>, and they told me theyd refund the {$2200.00} to me, but never did. 

Please find attached my formal dispute letter, relevant screenshots, and transaction details. 

Thank you for your attention and assistance in resolving this matter. 

Sincerely, 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 2025-09-11 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: MI

Complaint narrative:
My Equifax report is showing inaccurate information tied to my profile. Several closed accounts are reporting under names and addresses that are not mine. For example, accounts are being reported under XXXX XXXX, which is not my legal name, and addresses that do not belong to me ( such as XXXX XXXX XXXX, XXXX, MI ). 

I have already provided proof of my correct identity and current residence at XXXX XXXX XXXX, XXXX, MI. There are no open accounts tied to these old or incorrect addresses. Because these accounts can not be verified as mine, they should not remain on my report. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires maximum possible accuracy. I am requesting that these inaccurate names, addresses, and the accounts tied to them ( including XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX ) be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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