vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Submitted to the CFPB on XX/XX/XXXX Subject : Continued FCRA XXXX Violations by Experian No Action Taken After XXXX Formal Identity Theft Submissions This is now my XXXX  formal complaint against Experian for its continued refusal to comply with FCRA XXXX and its systemic disregard for my federally protected rights as a consumer. Despite submitting a complete identity theft packet XXXX  XX/XX/XXXX and again on XX/XX/XXXX, XXXX has not blocked or removed the fraudulent inquiries or false addresses from my credit report, as required by federal law. As of today, XX/XX/XXXX, the following unauthorized XXXX  inquiries are still being reported by Experian : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not initiated or authorized by me, and Experian has XXXX more than enough time to process the valid identity theft reports I submitted. Additionally, Experian continues to report the following fraudulent addresses that are not mine and were included in my dispute packet with clear evidence : XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX This ongoing failure to act constitutes multiple legal violations, including : FCRA XXXX ( a ) : Failure to block fraudulent information after receipt of a valid identity theft report. XXXX ( b ) : No written notice within XXXX business days explaining a refusal to block the data. XXXX ( a ) : Knowingly retaining and reporting inaccurate information. XXXX ( a ) : Lack of proper and reasonable procedures for handling disputes of identity theft. Experian has now had well over XXXX business days to comply with my first dispute and another full month since the second complaint. I have not received any clear explanation, no formal rejection under XXXX ( b ), and no appropriate action. This is a deliberate and systemic violation of federal law. Attached again to this complaint are all relevant supporting documents : FTC Identity Theft Report Government-issued photo ID Social Security Card Proof of current address Highlighted credit report showing disputed inquiries and addresses I am demanding immediate and complete blocking of the fraudulent inquiries and addresses per FCRA XXXX. If this issue is not resolved, I will pursue further enforcement through additional federal oversight and legal counsel.

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 2025-07-29 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I am filing a formal complaint regarding a charged-off account from XXXXXXXX XXXX XXXX XXXX XXXX on my credit reports. 

The account is listed as charged off, but there is no specific charge-off date, which is a required detail under the Fair Credit Reporting Act ( FCRA ). 

Additionally, the report shows a last payment made in XX/XX/XXXX, but the account was marked as closed and charged off in XX/XX/XXXX, creating clear inconsistencies in the reported information. 

I have already contacted the credit bureaus for verification, but the information provided remains vague and unverifiable. This account is negatively impacting my credit history and contains incomplete and inconsistent data. 

I am requesting that this account be either fully validated with accurate and complete documentation, including the exact charge-off date, or removed entirely from my credit reports across all credit bureaus. 

I also request that this matter be investigated and that the data furnisher be required to comply with FCRA accuracy standards. 

Thank you for your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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 am filing a formal complaint regarding a charged-off account from XXXXXXXX XXXX XXXX XXXX XXXX on my credit reports. 

The account is listed as charged off, but there is no specific charge-off date, which is a required detail under the Fair Credit Reporting Act ( FCRA ). 

Additionally, the report shows a last payment made in XX/XX/XXXX, but the account was marked as closed and charged off in XX/XX/XXXX, creating clear inconsistencies in the reported information. 

I have already contacted the credit bureaus for verification, but the information provided remains vague and unverifiable. This account is negatively impacting my credit history and contains incomplete and inconsistent data. 

I am requesting that this account be either fully validated with accurate and complete documentation, including the exact charge-off date, or removed entirely from my credit reports across all credit bureaus. 

I also request that this matter be investigated and that the data furnisher be required to comply with FCRA accuracy standards. 

Thank you for your attention.

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 2025-07-29 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: AR

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : $ XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} -- XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I am insisting on the prompt deletion of the disputed items and immediate escalation of this matter to an Experian compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the XXXX of the XXXX XXXX ( XXXX ) and a request for intervention from congressional authorities. 
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 2025-07-29 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 is 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 ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
I am disputing a XXXX late payment reported on XXXX XXXX XXXX XXXX closed account with a {$0.00} balance. 

Under FCRA XXXX and XXXX, XXXX request documentation validating this late payment, including a payment ledger and method of verification. 

If this can not be verified, the late payment must be removed because continued reporting violates FCRA XXXX ( a ) ( XXXX ) ( A ).

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 2025-07-29 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a Bank of America customer for XXXX XXXX On XX/XX/year>, I discovered fraudulent activity on my checking account involving a check I did not authorize. On XX/XX/year>, I went into my branch and met with XXXX XXXX, who opened a new checking account for me. 

Within a few days ( around XX/XX/XXXX ), I discovered the new account had also been compromised. I later changed my online banking password, but this was after fraudulent withdrawals had already occurred. The new account had been tied to the same mobile/online ID as my compromised account, leaving it vulnerable. I was not advised to create a new mobile ID when the account was opened. 

Between XX/XX/year>, I returned to the branch multiple times for help. Each time I was told to return earlier in the day because the fraud department was located on the XXXX XXXX and unavailable later in the afternoon. On XX/XX/XXXX, I spoke with a representatilve named XXXX at the fraud department by phone while in the branch. I was given XXXX claim numbers but no printed case number or written documentation of my report. I was told to expect an email in XXXX hours with a decision on whether I would receive provisional credit, with no guarantee, and that reimbursement XXXX take up to 90 days. 

Impact on me : As a result, I currently have XXXX compromised Bank of America checking accounts : XXXX that holds my funds but is frozen and can not be used, and XXXX that is empty and still tied to my old bill pay automations. I can not pay my rent or bills, leaving me in immediate financial distress. This has put me at risk of eviction and damage to my credit. I believe Bank of America failed to properly secure my funds and has not provided me the protections required under Regulation 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 monetary relief
Consumer complaint received 2025-07-29 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: IL

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 is 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 for 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: IL

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 is 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 for 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 non-monetary relief
Consumer complaint received 2025-07-29 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:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. 

To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXX. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXX. Update my credit profile to reflect the correct information as listed above. 
XXXX. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX & XXXX XXXX XXXX XXXX XXXX CA 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 2025-07-29 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: FL

Complaint narrative:
I made a {$470.00} payment to my XXXX XXXX XXXX  account on XX/XX/year>. Despite this, my Experian credit report continues to show a balance of {$450.00} as of both XX/XX/year> and XX/XX/year>. This is inaccurate and misleading. 

This account has never been late, and the balance should reflect the most recent payment. Failing to update this information violates the Fair Credit Reporting Act ( FCRA ), specifically the requirement to report accurate and complete information. 

I believe this is willful noncompliance. I am requesting immediate correction of the account balance across all credit bureaus. If this is not resolved promptly, I will pursue further legal action under FCRA Section 623 and escalate the matter with legal counsel. 

I have attached proof of the payment and screenshots of the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I am a victim of identity theft. I recently received alerts from my credit monitoring service that prompted me to review my credit reports. I discovered multiple negative items on my reports that I did not recognize. After reviewing the details, I found that several of my credit card accounts had been accessed without my permission, maxed out, and in some cases reported as late or delinquen and or charged offt. 

I have not used my credit cards in over 15 months, yet they show recent high balances and suspicious activity. I did not authorize any of these charges. These actions have seriously damaged my credit, and I am now being held responsible for fraudulent debt that I did not create. I even see where the person made payments towards the bill with fradulent checking accounts and the payments were returned and added to my account. 

I have submitted an identity theft report to IdentityTheft.gov and am working to block and remove these fraudulent accounts from my reports as allowed under the Fair Credit Reporting Act ( FCRA ) Section 605B. I am also submitting disputes to the credit bureaus and creditors, but I am requesting CFPB 's assistance to ensure these items are removed promptly and that I am not held liable for fraudulent debt.

I am requesting that the company properly investigate the identity theft claim and remove all items that are inaccurate, unauthorized, or unverifiable from my credit report. 

XXXX XXXX {$2500.00} XXXX XXXX {$2700.00} XXXX XXXX {$1500.00} XXXX XXXX {$11000.00} XXXX  {$5000.00} XXXX  - {$4000.00} XXXX  XXXX {$900.00} XXXX  XXXX {$900.00} XXXX  XXXX {$750.00} XXXX {$4000.00} XXXX XXXX  {$6700.00} XXXX  XXXX {$5800.00} XXXX  {$600.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$4500.00}

Company response to consumer: Closed with non-monetary relief