vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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 INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MD

Complaint narrative:
b'I am submitting this follow-up regarding an unresolved dispute involving a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that continues to appear on my credit file.\n\nPreviously, I disputed this account as identity theft and unauthorized, providing a government-issued ID, Social Security verification, a police report, and an FTC Identity Theft Report. After my original submission, XXXX XXXX removed one of the fraudulent accounts; however, this second account XXXX XXXX XXXX was left on my report with no valid verification.\n\nI later received notice that the creditor allegedly verified the account through cell-phone data, which is inaccurate and misleading. I have never opened or authorized this account, nor have I ever provided any cellular or electronic information to XXXX XXXX  I have attached the same supporting documents again for your reference.\n\nUnder the Fair Credit Reporting Act (FCRA  611 &  623), furnishers and credit bureaus must delete any information that cannot be properly verified or that results from identity theft once supporting documentation has been provided. Other major credit reporting agencies have already removed this same account after receiving the identical documentation, confirming that this item cannot be substantiated.\n\nBecause I have already supplied every form of verification required by law, I respectfully request that the CFPB require deletion of this unverified and unauthorized account immediately to prevent continued harm to my credit and personal reputation.\n\nPlease review this matter urgently and confirm closure of the disputed item. I am maintaining all evidence of prior submissions for recordkeeping and will cooperate with any additional verification the Bureau may need.\n\nThank you for your time and assistance'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Purchased an Incomm Vanilla {$100.00} debit gift card from XXXX after carefully inspected the package for tampering. After opening the sealed sleeve, I discovered that four of the 16 digits were scratched off. Suspicious that the scratch was underneath a security sticker meaning that it was done during the card 's production. I filed a complaint immediately and started researching CFPB 's database and noticed that this is a common occurrence. Also noticed that Incomm had been dragging their feet in their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I looked at my business bank account and saw that there were 2 checks that were fraudulent that were used to take money out of my account. So then I immediately went to the bank called BMO to notify them about it. The 2 checks specifically were redeemed on XX/XX/XXXX for XXXXXXXX XXXX and on XX/XX/XXXX for XXXX XXXX After notifying them they were only able to refund me for one of the check. Specifically the XX/XX/XXXX XXXX for XXXXXXXX XXXX but denied me from refunding me the XX/XX/XXXX check for XXXX XXXX Because of that I attempted to talk to someone else about it in hopes of getting back this money so the people at the bank said that I should talk to customer service about it. When I did they notified me that only the bank can do anything related to check fraud so when I went back to the bank about it, they seemed to be actively avoiding me since then.

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 2025-10-13 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by Equifax. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away. 
Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for Equifax to maintain a credit report on my behalf. 
Equifax has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I am expecting Equifax to take all necessary action to correct and block this information as ordered by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

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 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 2025-10-13 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: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THIS ENTRY IS A RESULT OF CRIMINAL IDENTITY THEFT.

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 2025-10-13 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: CA

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 2025-10-13 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: CA

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 explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
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 explanation
Consumer complaint received 2025-10-13 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am writing to dispute the accuracy of specific items on my consumer report. In light of recent data-security incidents affecting major credit bureaus, I have reason to believe my file may contain mixed/compromised information. The following accounts are inaccurate and/or unauthorized and must be removed or corrected : XXXX : XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX XXXX XXXX Reason : wrong balance/wrong dates/paid/closed but reporting open Creditor/Collector : XXXX XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector XXXX XXXX XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX XXXX Reason XXXX XXXX XXXX / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : Client Services Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector XXXX XXXX XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open My requests ( under the FCRA ) 1. Reinvestigate and correct/delete these items and provide results within 30 days. 15 U.S.C. 1681i ( a ).

2. Notify all furnishers of my dispute and forward all relevant information Ive provided. 1681i ( a ) ( 2 ).

3. Upon completion, send me : o The updated report ; o A description of the procedures used, the furnishers you contacted, and the method of verification. 1681i ( a ) ( 6 ) ( B ) ( iii ).

4. Mark these items as disputed in any reporting while your reinvestigation is pending. 1681i ( c ).

If you determine ( or I have indicated ) the items stem from identity theft, then under 1681c-2 you must block the reporting of information resulting from identity theft within 4 business days of receiving : A valid identity theft report ( FTC Identity Theft Report or police report ), My proof of identity, and Identification of the disputed information. 
I am enclosing these documents for that purpose ( see Enclosures ). 
Communication & preservation Please communicate in writing to the address above. 
Preserve all documents and data used in your reinvestigation. 
Thank you for your prompt attention. I look forward to your written results and method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
I am writing to dispute the accuracy of specific items on my consumer report. In light of recent data-security incidents affecting major credit bureaus, I have reason to believe my file may contain mixed/compromised information. The following accounts are inaccurate and/or unauthorized and must be removed or corrected : XXXX : XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX XXXX XXXX Reason : wrong balance/wrong dates/paid/closed but reporting open XXXX : XXXX XXXX Management Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector XXXX XXXX XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX XXXX Reason XXXX wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector XXXX XXXX XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open My requests ( under the FCRA ) 1. Reinvestigate and correct/delete these items and provide results within 30 days. 15 U.S.C. 1681i ( a ).

2. Notify all furnishers of my dispute and forward all relevant information Ive provided. 1681i ( a ) ( 2 ).

3. Upon completion, send me : o The updated report ; o A description of the procedures used, the furnishers you contacted, and the method of verification. 1681i ( a ) ( 6 ) ( B ) ( iii ).

4. Mark these items as disputed in any reporting while your reinvestigation is pending. 1681i ( c ).

If you determine ( or I have indicated ) the items stem from identity theft, then under 1681c-2 you must block the reporting of information resulting from identity theft within 4 business days of receiving : A valid identity theft report ( FTC Identity Theft Report or police report ), My proof of identity, and Identification of the disputed information. 
I am enclosing these documents for that purpose ( see Enclosures ). 
Communication & preservation Please communicate in writing to the address above. 
Preserve all documents and data used in your reinvestigation. 
Thank you for your prompt attention. I look forward to your written results and method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX * * * * ] Creditor Name : [ XXXX ] Account Number : [ XXXX * * * * ] Creditor Name : [ XXXX ] Account Number : [ XXXX * * * * ] Creditor Name : [ XXXX ] Account Number : [ XXXX * * * * ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the inaccurate late XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I understand that according to federal law 15 U.S.code 1631a ( 2X ( An ), a consumer report does not include T payment. I also understand that according to federal law 15 U.S.code 1666b ( a ). as creditor may not tr information solely as to transactions or experiences betwveen the consumer and the person making the payment on a credit card account under an open : end consumer credit plan as late for any purpose. 

I am asking that these late Payments be removed from my report in response to this letter as a gesture of goodwill_I hope that you will deeply consider my request and prove once

Company response to consumer: Closed with non-monetary relief