vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am filing this formal complaint against Equifax for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Equifax has failed to remove or block fraudulent account from my credit file as required by law. The account in question include XXXX XXXX XXXX XXXX. This account is the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Equifaxs refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting account without proper notice. This failure has caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against Equifax for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Equifax has failed to remove or block fraudulent accounts from my credit file as required by law. The following accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. XXXX refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting account without proper notice. This failure has caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for account blocking and deletion due to data breach, Dear XXXX  Equifax and XXXX team, i am writing you formally requesting blockage and deletions of all acounts associated with my personal information due to recent data breach. credit card ( XXXX ) balance of {$420.00}, ( XXXX ) balance of XXXX XXXX XXXX XXXX XXXX balance of {$3500.00}, ( XXXX XXXX balance of {$6000.00} inquiry XXXX  XXXX XXXX XXXX This request is made in accordance with serval provisions of the fair credit reporting act 15 USC 1681c-2 ( a ) ,15USC1681i,15USC 1681e ( b ) ,15USC1681g ( a ) ,15USC1681m, 15USC1681n. 
Please confirm these receipts of this letter and provide and provide written confirmation of the actions taken regarding my accounts. i would appreciate a update on any measure you are implementing to protect my personal information. Thank you i look forward to your response in 4 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am deeply concerned by the apparent errors, lack of timely updates, and absence of proper verification of the negative items reported under my name. Accurate credit reporting is essential to ensuring a fair assessment of my creditworthiness, and these discrepancies are causing unwarranted harm to my financial standing.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a complaint against these Bureaus a month ago, yet the erroneous information on my report persists. To my surprise, I have not received any communication from the Bureaus, and they have already closed my complaint. Could you clarify the rationale behind closing my complaint without addressing the issue? Have they acknowledged or verified my dispute? I require confirmation that they have thoroughly investigated the inaccuracies on my report and validated the accounts. Additionally, can you provide information on the verification methods employed? This situation is exceedingly frustrating, as it has been over 30 days since I filed the complaint, and I anticipated updates to these accounts by now. If they are not rectified promptly, I will be compelled to pursue legal action due to the significant stress this has caused. Furthermore, I am also worried about the security of my personal data, which was compromised in the Equifax, Experian, and Transunion data breach.

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 2025-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal complaint regarding the presence of fraudulent accounts reported under my name and credit profile. These accounts were not initiated, approved, or authorized by me in any way. Their inclusion on my credit file is both inaccurate and damaging, causing immediate harm to my credit standing and financial stability. I have always acted with integrity and diligence in managing my credit, making it unacceptable for my record to be compromised by accounts that do not belong to me.

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 2025-08-12 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I sent {$4000.00} in rent payments through XXXX from my Bank of America account to [ XXXX XXXX ], an employee of my rental office. The rest of my rent during this period was paid in cash. 

I later learned from the property owner that this employee intentionally locked me out of the official rental payment portal to force me into paying via XXXX or cash. The property owner confirmed she never forwarded the payments, was stealing rent payments for her own benefit, and has since been terminated. 

The owner provided : A written statement confirming the theft and termination. 
Proof that my account balance was reduced to {$0.00} in the official rental portal, noting the funds were stolen. 
XXXX payment records showing the total sent. 

When I disputed these charges with Bank of America, I provided all of the above documentation. My claim was denied with the explanation : The transfer posted to the requested account according to instructions provided. We were unsuccessful at recovering the funds on your behalf. We recommend contacting the receiver of the funds for further assistance. 

This is unacceptable. The evidence clearly shows I was deceived into sending the funds to a bad actor, and these transactions should be considered fraudulent under Reg 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am deeply concerned by the apparent errors, lack of timely updates, and absence of proper verification of the negative items reported under my name. Accurate credit reporting is essential to ensuring a fair assessment of my creditworthiness, and these discrepancies are causing unwarranted harm to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am deeply concerned by the apparent errors, lack of timely updates, and absence of proper verification of the negative items reported under my name. Accurate credit reporting is essential to ensuring a fair assessment of my creditworthiness, and these discrepancies are causing unwarranted harm to my financial standing.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Can you create me a online cfpb complaint to report based on my updated reported, because I sent a letter on XX/XX/XXXX and some of my account came back verified, but now because these accounts are still showing maximum possible accuracy according to the law, so I want a complaint that will force the credit bureaus to remove the negative accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon review, i noticed that the bankruptcy entry and all accounts associated with the bankruptcy entry is inaccurate and unverifiable, and as such, it should be removed in accordance with the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S. Code 1681i ]. The FCRA mandates that all information reported must be accurate, complete, and verifiable. If the information can not be verified, it must be deleted. 

So I started my XXXX dispute on XX/XX/year>. Transunion did not provide any verifications. 

Under law FCRA 609 [ 15 U.S. Code 1681g ], I request that TRANSUNION provide me with the following : 1. The name and address of the furnisher of the bankruptcy information ; XXXX. A copy of any documentation relied upon in verifying this bankruptcy ; XXXX. Proof that this public record was obtained directly from the court and not through third-party sources such as XXXX or XXXX, which do not guarantee accuracy. 
I have sent letters on the following dates requesting proof and have yet to receive anything verifying the account : XX/XX/year> XX/XX/year> XX/XX/year> Also, all of my previous disputes with TRANSUNION and the results have been deleted from my TransUnion online account. This deletion further provides insight to TRANSUNIONs attempt to conceal information and prevent me from being furnished with what was requested in my credit report dispute. 

Lastly, TRANSUNION took over 30 days to respond and I had to call Transunion. I was told they needed more time because TRANSUNION is unstaffed regarding the large demand of disputes. This violates the XXXX mandate for providing consumers with information. 

At this point it is clear TRANSUNION has not obtained and can not produce verification for my bankruptcy to furnish to me, thus, deletion of this account needs to occur along with all files associated 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 non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am extremely frustrated to see an unauthorized inquiry on my credit report this morning, and I have no idea why its there. I check my credit regularly, yet today there are sudden discrepancies that make no sense. I even refreshed my browser to rule out a glitch, but the inquiry remained. This must be addressed immediately, and I need the documents I sent reviewed carefully so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this 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 2025-08-12 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: CA

Complaint narrative:
XXXX XXXX falsely reported a XXXX late despite full payment 9 days early, gave no legal notice, and caused a XXXX XXXX XXXX veteran to lose a home purchase. XXXX deletion demanded. 


On XX/XX/year>, I paid my XXXX XXXX  account in full XXXX ( XXXX ) days before the due date of XX/XX/year>. I have documented proof of this payment. 

On XX/XX/year>, the day after the due date XXXX XXXX called me claiming the payment did not go through. I received no prior written notice by mail, email, or any other means before this derogatory information was furnished to the credit bureaus. 

Despite my payment being made well in advance, XXXX XXXX reported a XXXX late payment to Equifax and Experian, which is factually inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information known to be inaccurate. 

Additionally : Under the Equal Credit Opportunity Act ( ECOA ) and industry standards, creditors must provide notice before furnishing negative information. This never happened. 
Credit Ones own call on XX/XX/XXXX, XXXX day after the due date, proves they knew my account was current before that date and failed to give me any opportunity to cure. 
This false reporting caused my credit scores to drop instantly and directly resulted in the denial of my mortgage application for a home in XXXX, CA, a devastating financial loss for me as a XXXX XXXX XXXXXXXX XXXX 

Requested Resolution : Immediate deletion of the late payment from all credit bureaus. 
Written confirmation that the account history has been corrected. 
Proof of any notice allegedly sent before reporting the late payment, including the date, method, and delivery records. 

Evidence Available : Proof of payment dated XX/XX/year>. 
Account statements showing the XX/XX/year> due date. 
Call logs showing XXXX XXXX contacted me on XX/XX/year>.

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