vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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:
Dear Equifax Compliance and Fraud Department, I am a verified victim of identity theft and an individual impacted by the XX/XX/XXXX TransUnion data breach, which exposed consumer names, Social Security numbers, and dates of birth. This breach has resulted in fraudulent accounts being reported across credit bureaus, including Equifax. 

I have filed a verified FTC Identity Theft Report ( ID # XXXX ) on XX/XX/XXXX, and enclose it as documentation supporting this formal dispute. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to block and delete fraudulent entries within four ( 4 ) business days of receiving this notice.

I. Legal Authority and Forensic Audit Request Pursuant to 15 U.S.C. 1681b, 1681c-2, 1681i, 1681s-2, 1681n, and 1681o, I demand a forensic audit of my Equifax consumer file, to include : All subscriber IDs and data furnishers that accessed or modified my file since XX/XX/XXXX ; Matching logic and identity-association algorithms used to link records to my profile ; All access logs, dispute verification notes, and data-sharing records related to the listed accounts. 

These records must be produced pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 609 ( a ) ( 1 ) ( A ).

II. Fraudulent and Negative Accounts to Be Blocked and Deleted Under FCRA 605B, the following accounts must be blocked and deleted within four business days of receipt of this notice and my FTC Identity Theft Report : Creditor / Furnisher Account Number Date Fraud Began Type Fraud Amount XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Account {$220.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Auto Loan {$0.00} These accounts were never authorized by me and appear to stem from the TransUnion breach and resulting identity misuse. 

Equifax must : Block and delete the listed tradelines ; Cease and desist from re-reporting them ; Provide written confirmation detailing each deletion/block action.

III. Fraud Alert and Consumer Statement Request Please place a Fraud Alert on my Equifax file for a period of one year pursuant to FCRA 605A.

Consumer Fraud Statement to be Included : I am a verified victim of identity theft and was affected by the XX/XX/XXXX TransUnion data breach. Any credit application must be verified directly with me at ( XXXX ) XXXX before approval. 

IV. Notice of Liability and Escalation Failure to comply within four business days will constitute willful and/or negligent non-compliance under FCRA 616617 . I will file formal complaints with the CFPB, FTC, and Georgia Attorney General and pursue civil remedies for statutory damages and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-24 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-24 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 reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-24 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:
Due to a period of incarceration, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Referencing complaints XXXX and XXXX : At the advice of the XXXX, CA Branch Manager, XXXX, I deposited two treasury checks in-person for {$26000.00} and {$14000.00} on XX/XX/XXXX. I made full disclosure that my business had closed since filing for the IRS XXXX XXXX XXXX XXXX XXXX. I asked if there was any way to cash them. The branch manager, XXXX, advised that they would reopen my business account, deposit the checks and I could do what I need to do with the funds. While waiting for this to get accomplished, XXXX XXXX advised me to open a personal checking account so I could transfer the business funds once they were available. So I did that. The accounts were later frozen, closed by Bank of America, and my funds were returned to the Treasury Department. All this happened while XXXX XXXX was texted me that everything was being resolved and will be okay ( see attached correspondence ). In addition to the damages listed in prior complaints XXXX and XXXX, I now suffered damages by Bank of America by being declined for a loan from another bank because Bank of America formally reported that they closed my checking account due to fraud. This is a lie, there was no fraud. This needs to be remedied and fixed as I'm preparing to sue now.

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 2025-10-24 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DPEDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LPI, INC.
State: TX

Complaint narrative:
I paid off LP Financial in full on XX/XX/XXXX, I was never late on this account and for some reason the credit bureau ( XXXX  ) is reporting this account 60 days late and also in XXXX reporting in Collection status. How can a paid in full account report in collections after paid in full? I have reached out to XXXX  and disputed XXXX different times with no luck or assistance from them and I have reached out to LP Financial with no luck, only received a letter stating the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: MS

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 non-monetary relief
Consumer complaint received 2025-10-24 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: MS

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Company : JPMorgan Chase Bank , N.A . ( Chase ) Product : Freedom Unlimited Credit card - rewards/Chase Offers I activated a Chase Offer on my Chase Freedom Unlimited card in XX/XX/year> for 15 % cash back at XXXX with an offer end date of XX/XX/year>. Relying on that offer, I placed an online order at XXXX on XX/XX/year> for {$200.00}. 

On XX/XX/year>, I checked my Chase app and saw that the XXXX offer no longer appeared under my added/redeemed offers. I also noticed a new XXXX offer listed under All offers that now showed an expiration of XX/XX/year>, so I added it as a precaution- though my qualifying purchase had already been made on XX/XX/year> based on the earlier expiring offer. 

When no statement credit posted, I called Chase customer service ( XXXX ) on XX/XX/year>. After a XXXX call, the representative told me ( XXXX ) there was no record of any XXXX 15 % offer expiring XX/XX/year>, and ( XXXX ) no record that I had activated that offer. Because the rep claimed the offer didnt exist, he said he could not escalate. 

I then contacted the Chase Executive Office ( XXXX ) and opened case XXXX. On XX/XX/year>, they called me back and again stated there was never any such 15 % XXXX  offer with a XX/XX/year> expiration. This is incorrect. I personally reviewed my Chase Offers multiple times in XXXX specifically to make this purchase before the XX/XX/year> deadline, and I activated the offer. The offer changed to an XX/XX/XXXX expiration only after my purchase. 

Chases records appear to have lost or overwritten the XXXX offer I added. Because I relied on the published terms and timely made the purchase, I am asking CFPB to assist in having Chase honor the 15 % cash back on my XX/XX/year> XXXX purchase of {$200.00} ( 15 % = {$31.00} ), and to correct any internal tracking issues that led to the denial and refusal to escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: MI

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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 reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Debt Validation Request under 15 U.S.C. 1692g ( b ) I am writing to request validation of the alleged debt they claim I owe, which you are reporting to the credit bureaus as owed to XXXX XXXX XXXX, originally from XXXX XXXX ( XXXX  ). 

As provided by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), please provide within 30 days : 1. The original signed contract or agreement with XXXX XXXX ; 2. A complete payment history and itemization of the {$110.00} balance ; 3. Proof that XXXX XXXX XXXX is authorized to collect or report this account ; and 4. The name and address of the original creditor ( if different ). 



Until this validation is provided, you must cease all collection activity and remove or suspend reporting of this account to the credit bureaus under 15 U.S.C. 1692g ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account has been paid in full, yet it still reflects late payment history.

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 2025-10-24 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: AR

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-24 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX  Account number : 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 2025-10-24 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
I opened a checking and savings account with First National Bank. The bonus on the savings account was to hold {$5000.00} new to XXXX funds in the account for the promotional period ( 3 full months following account opening ). I Moved money from my XXXX checking account that had just been Direct Deposited, into the savings account. They are refusing to pay the savings account bonus because they don't consider the funds new to XXXX. However the funds are clearly new to XXXX based on the fact that they had just been direct deposited. I didn't have the ability to set up direct deposit into the savings account so how would I put " new to XXXX funds '' into the account other than via the checking account.

Company response to consumer: Closed with explanation