vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 identity 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 identity 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 non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NJ

Complaint narrative:
XXXX XXXX home internet & phone I cancelled service on XX/XX/scrub>XXXX ten hours into the new billing cycle. I was paid and current through XX/XX/year> but was billed for a full month of service after my disconnect date, XXXX. I cancelled the automatic payment so when XXXX attempted to take the payment, it was returned. Then they charged a return payment fee, two times. 

As per XXXXXXXX XXXX website : " All about your final bill, Pro-rated credits will appear on the bill for any charges that were billed in advance after a disconnect date '' See supporting 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 2025-08-16 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 human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DISPUTING REGIONS BANK FOR OVER 8 MONTHS. THIS BANK MADE A BANKING ERROR, SAYING I WAS LATE. I SENT DOCUMENTATION TO PROVE OTHERWISE. EXPERIAN HAS BEEN RUNNING SHAM INVESTIGATIONS AND NOT REMOVING BOGUS INFORMATION ON CONSUMER REPORTS.. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. I WANT REGIONS BANK TO READ, ... CURRENT NO LATE, TRANSUNION HAS ALREADY UPDATED MY CREDIT REPORT AND REMOVED THE LATE, EXPERIAN IS SUPPOSED TO DO THE SAME, IF EXPERIAN DOES NOT, I WILL CONTACT THE STATE 'S ATTORNEY 'S OFFICE AND FILE CHARGES ACCORDINGLY.CFPB SUED EXPERIAN FOR XXXX XXXX DOLLARS FOR SHAM INVESTIGATIONS AND NOT UPDATING CONSUMERS ' REPORTS AFTER RECEIVING DOCUMENTS THAT PROVE THEIR CASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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 submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
Previously I filed a formal complaint regarding the non-receipt of disbursed funds. Subsequent to filing this complaint, I received correspondence from XXXX XXXX XXXX ( BOK ) acknowledging the complaint and stating that the funds had been reissued on two separate occasions. Despite receiving these procedural notices from BOK, I have yet to receive the funds themselves.

BOKs most recent correspondence indicates the funds were mailed a second time on XX/XX/year>. As of todays date, XXXX, these funds have not been received. This failure to deliver the funds, while simultaneously delivering procedural correspondence, raises concerns regarding BOK 's handling of this matter. 

To rectify this situation, I request verifiable proof of payment, including a tracking number for the alleged mailing of XX/XX/year>, and evidence demonstrating that the check was indeed placed in the postal system. I respectfully request immediate action to ensure the prompt delivery of these funds. Failure to provide adequate proof of payment and ensure timely delivery will necessitate further action to resolve this matter. 

I would also like to formally document my dissatisfaction with the level of customer service received during my initial contact with a BOK representative. The representative 's demeanor and professionalism were unsatisfactory and did not instill confidence in their ability to handle sensitive financial matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
My personal information was compromised in multiple data breaches, including the Equifax breach. As a result, my identity has been misused without my consent. I have filed an Identity Theft Report with the FTC ( Report # XXXX ). Despite this, XXXX continues to report inaccurate and harmful information that is the result of identity theft, not my actions. I am requesting that this inaccurate information be removed and my file corrected in accordance with the FCRA and FACTA 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 2025-08-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what i
s not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency f
or negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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 XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX VA # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
CFPB Complaint Draft ( Ready to Submit ) XXXX XXXX TransUnion, Experian, and Equifax I am filing a complaint against the XXXX nationwide credit reporting agencies TransUnion, Experian, and Equifax for failing to maintain accurate and consistent credit reporting, in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) maximum possible accuracy requirement.

15 U.S.C. 1681i ( FCRA 611 ) reinvestigation and correction of disputed information. 

These errors are harming my creditworthiness and ability to obtain housing and credit. 



Discrepancies and Inaccuracies XXXX. XXXX XXXX XXXX XXXX XXXX  Account # : XXXX * * * * Reported inconsistently across bureaus ( balances, dates, and status do not match ). 
XXXX. XXXX Account # : not fully displayed in my report Reported differently across TransUnion, Experian, and Equifax. 
XXXX. XXXX XXXX ( Eviction / Rental XXXX ) Account # : not displayed in all bureaus Reported inconsistently or missing between bureaus. 
XXXX. XXXX Account Account # : XXXX * * * * Appears in Experian but is completely missing from TransUnion and Equifax. 
XXXX. XXXX XXXX XXXX ( Original Creditor : RELIANT ENERGY ONLINE INFORMATION SERVICES ) Account # : [ as shown in my report ] Balance and status are reported inconsistently across bureaus. 
XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : [ as shown in my report ] Incomplete and mismatched reporting between bureaus. 



Summary of XXXX Totals Mismatches Total Accounts : TU = XXXX, EXP = XXXX, EQF = XXXX Equifax is missing XXXX accounts. 
Open Accounts : TU = XXXX, EXP = XXXX, EQF = XXXX Experian underreporting open 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 non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : * -- XXXX Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute CNS Port XXXX & XXXX Accounts Dear TransUnion, I am disputing the accuracy and completeness of the following accounts on my credit file. These tradelines are being reported with multiple errors and contradictions that violate the Fair Credit Reporting Act ( FCRA ). 
XXXX. CNS Port Svc Account # XXXX * * * Date of Last Activity conflicts : You list XX/XX/XXXX, while Experian and Equifax report different dates. 
Closed Date inconsistency : You show XX/XX/XXXX, while XXXX report XX/XX/XXXX. 
XXXX XXXX discrepancy : You report {$22000.00}, while Equifax reports {$22000.00}. 
Payment History missing : You list NONE REPORTED, while Experian shows continuous CO notations. 
XXXX. XXXX Account # XXXX * * * * * * * * * * Status contradictions : You report this account as Closed Current with {$0.00} balance, yet also show 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
Closed Date mismatch : You report XX/XX/XXXX, while Experian shows XX/XX/XXXX and Equifax shows XX/XX/XXXX. 
Remarks conflict : You report XXXX XXXX, while other bureaus report Late 60 Days or Paid/Closed. 
These inconsistencies make both accounts factually unreliable and unverifiable. Under FCRA 607, 611, and 623, I demand these accounts be deleted from my credit file. 
Furthermore, under FCRA 611 ( a ) ( 7 ), I demand your XXXX of XXXX for both accounts : The original documents you obtained from the furnishers. 
The name, title, and contact information of the individual who verified them. 
A description of the procedures you used in your reinvestigation. 
If you can not provide this information within the time allowed, the only lawful option is deletion. Failure to comply will result in CFPB and FTC complaints and potential legal action under FCRA 616617. 
Sincerely, 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am asking for chain of custody for this collection if it cant be presented please remove from my credit report immediately the XXXX have a responsibility of putting correct and accurate information on my report the accounts of XXXX XXXX  XXXX riginal Creditor ompany Sold, ccount Type ate Opened Open/Closed Status Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Original Balance Terms Responsibility Your Statement : Education and the account of capital XXXX XXXX XXXX XXXX if its a incorrect chain of custody it must be removed from my report immediately

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