vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this formal dispute to address multiple instances of inaccurate and conflicting personal identifying information currently being reported by TransUnion, Equifax, and Experian in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). This section of the FCRA mandates that credit reporting agencies maintain data that is accurate, complete, and up to date. The current information associated with my credit file fails to meet that legal standard. 

Only the following information is accurate and verifiable : My Full Legal Name is : XXXX XXXX XXXX XXXX XXXX of Birth is : XX/XX/year> My only Social Security Number is : XXXX My Current Address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX My only Employer is : XXXX Attached to this dispute are three official and verifiable documents : My Florida state-issued photo ID My Social Security card A recent utility bill verifying my residential address Each of the three credit bureaus has failed to maintain accurate personal identifiers on my file. They continue to report variations of my name, past or incorrect addresses, and potentially unverifiable or obsolete employment information. This kind of outdated, incorrect, or duplicated data introduces the risk of file fragmentation, identity mismatch, or even identity theft, all of which can lead to credit denials, increased interest rates, and reputational harm. 

The Federal Trade Commission ( FTC ) and numerous court rulings have reaffirmed that credit reporting agencies bear a legal obligation to investigate disputed data and correct or delete unverifiable or inaccurate information. The continued reporting of these false identifiers not only violates FCRA 1681i ( a ), which mandates timely reinvestigation and correction of disputed information, but may also expose the bureaus to civil liability under FCRA 1681n and 1681o for willful or negligent noncompliance.

If these inaccurate entries are not corrected and confirmed in writing within the required 30-day window, I am prepared to escalate this issue by filing supplemental complaints with the FTC, the State Attorney General, and pursuing legal action under FCRA liability statutes. This notice serves as both a formal dispute and demand for correction. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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:
On XXXX XXXX, I discovered a collection account from XXXX XXXX for {$740.00}, XXXX XXXX secured loan for {$720.00}, which I did not authorize or open. I did not initiate or benefit from these accounts, and I believe they were opened fraudulently without my knowledge. 

Additionally, there are unauthorized hard inquiries on my credit report from : XXXX XXXX ( listed twice ) XXXX XXXX I did not apply for any credit with these companies and did not give permission for them to access my credit. These inquiries and the collection account are a result of identity theft. 

I have filed an identity theft report with the FTC and am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to request that these items be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a dispute for several charges from XXXX XXXX  XXXX. I was overcharged and the product was not as described. Two days later I opened my app and my checking and savings accounts weren't on my dashboard. I called and was told they were closed but given no further information. They didn't even bother to notify me before, or after this action was taken. I am worried that Bank of America will not take my dispute seriously and won't refund the debits by XXXX to me. I have a letter explaining the situation with XXXX and would like to add it to my file but have not been able to do so. I fear the bank will just deny my dispute and toss it aside, just like they have done to me, a customer for over 14 years. XXXX grossly overcharged me and provided multiple cars that had engine failure while I was driving. XXXX refused to talk to me about it, so I disputed the charges after talking to a customer service rep. from Bank of America. I want a fair resolution for these disputes as I was overcharged, and the product provided was not as described ( a working car. ) I also want to know the reason my accounts were closed, and why they didn't even notify me. I could have switched some charges, because they did not notify me some items will be returned, and I will incur fees as a result. I am the victim of a violent crime and lost my job. I have been struggling to stay afloat and this action by Bank of America will set me back further financially.

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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my credit report, I found multiple accounts that I did not authorize or open. These unauthorized accounts have been affecting my efforts to secure a home for my family. I kindly ask for the immediate removal of these fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have two credit cards with Capital One. I attempted to close one card ( XXXX ) as I only use the other ( XXXX XXXX ). I was told just prior to confirming closing that I would have XXXX  days to redeem the points on the card ( XXXX points ), and that my options to redeem may be limited. Other credit card companies allow the transfer of points to other existing cards with that company, and I thought that I would at least be able to transfer those XXXX  points to the XXXX XXXX, but in any event I would have XXXX days to redeem the points. 

After closing the account, Capital One informed me that the only way I can redeem the points is through an account statement credit ( the account is already paid off ) at a value of XXXX cents per point, far below the XXXX cent per point that Capital One allows on its travel website. 

I asked Capital One to transfer the points for me to the XXXX XXXX card, but they refused. I also asked if they could redeem at a better rate than XXXX cents per point, and they refused. I also asked if they could reopen the account, and they said that it would be unlikely that the account could be reopened, but they would file " feedback ''. 

Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and 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 2025-05-08 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: MD

Complaint narrative:
I am a victim of the Equifax data breach that occurred in XXXX. As a result, fraudulent accounts were opened in my name without my authorization. These accounts have been reported on my credit report, and I have already filed an identity theft report with the Federal Trade Commission ( FTC ), which includes the fraudulent accounts. 

I requested that Equifax and other credit bureaus remove these fraudulent accounts from my report and conduct a thorough investigation. Despite these efforts, the accounts remain on my report, and I have not received any adequate responses or documentation confirming their removal. I have also disputed these accounts multiple times with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
This is a follow-up complaint regarding the late payment inaccuracies I reported on my XXXX XXXX and Equifax credit XXXX, initially filed on XX/XX/year>. The XXXX accounts ( XXXX * * * * and XXXX * * * * ) are still showing past due amounts of {$0.00}, despite the fact that no late payments were ever made. This inaccurate reporting continues to harm my credit score, which in turn damages my ability to qualify for loans, secure housing, and maintain financial stability. Waiting for corrective action to be taken has been an extremely stressful experience, especially when it feels like no progress is being made on these disputes. The emotional toll of seeing these mistakes remain unresolved is overwhelming, and it has left me feeling stuck, unable to move forward financially. I am also concerned that this may be a result of a data breach, as it is hard to fathom how such an error could persist for so long without being addressed. This ongoing issue is a direct violation of my rights under 15 USC 1666 and 1666 ( b ), and the lack of action is adding unnecessary stress to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$710.00} 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 - {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$17000.00} 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 - {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$270.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$8.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$710.00} XXXXXXXX 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 - {$4500.00} XXXX XXXX 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 - {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$780.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-05-08 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Lendmark Auto Loan. Opened fraudulently on XX/XX/XXXX. Last payment was made on XX/XX/XXXX. I already made a police report & FTC report, provided the report numbers to Lendmark and unfortunately that fraudulent account is still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
I looked over my credit report and some accounts are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

15 USC 1681s-2 ( a ) ( b ) and 15 USC 1861i ( 5 ) ( a ) ( i ) & ( ii ) were also violated.

Any person who fails to comply and fix this matter will be liable under 15 USC 1681n, which is civil liability for willful noncompliance. 

Accounts : XXXX # XXXX. This account contains conflicting information across the 3 credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXX XXXX  # XXXX. This account contains conflicting information across the XXXX credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXX # XXXX. This account contains conflicting information across the 3 credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXX XXXX  # XXXX. This account contains conflicting information across the 3 credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX. DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ), and 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii ) XXXX # XXXX. DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ), and 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii ) XXXX # XXXX. This account contains conflicting information across the 3 credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXX XXXX ( XXXX ) # XXXX. Had not provided any proof of originally signed application with my wet signature according to per FCRA 609 ( a ) ( 1 ) ), proof of chain of assignment, and proof they have the right to collect on this debt. DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ), 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii ) and FCRA 609 ( a ) ( 1 ) ) XXXX XXXX  # XXXX. DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ), and 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I disputed multiple inaccurate and unverifiable accounts with TransUnion. These include : XXXX XXXX XXXX XXXX XXXX : Still showing a {$1800.00} balance despite 1099-C cancellation on XX/XX/year>. This is misleading and violates FCRA 607 ( b ). 
XXXX XXXX  : Charge-off account with unverifiable balance. No documentation has been provided. 
XXXX XXXX XXXX XXXX and XXXX XXXX  : Reporting the same debt, creating a duplicate or re-aged tradeline. 
XXXX XXXX : XXXX XXXX-related collection with no supporting documentation. 

TransUnion has either failed to correct these after disputes or blocked further action. I request removal or correction under FCRA 607 ( b ) and 611.

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