vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Experian. 
Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
I request that my name be updated to reflect the correct information. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. 
XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX request that my current address be updated accordingly. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
Request for Confirmation : I request that Experian investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: OH

Complaint narrative:
XX/XX/XXXX These accounts below needs to be removed immediately. These are not my accounts and needs to be removed off my report ASAP. I am not associated with this address and these illegal/fraudulent accounts needs to be removed. Attached is my address from my XXXX XXXX XXXX THAT CLEARLY SHOWS MY ADDRESS AS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax asked me to send in documents verifying my address and here it is. Remove all these accounts off my report ASAP as they are not TIED TO ME! 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses nor accounts are tied my Equifax report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY EQUIFAX AND NEEDS TO BE REMOVED ASAP! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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 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 2025-04-10 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:
Dear CFPB Representative, I am writing to file a formal complaint regarding several inaccurately reported charge-offs appearing on my credit reports by the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in the attached reports These creditors have reported charge-off statuses to Experian, Equifax, and TransUnion without issuing a Form 1099-C ( Cancellation of Debt ) to me or the IRS. The absence of 1099-Cs suggests that the debts were either : Not officially canceled, and therefore should not be listed as charge-offs, or Canceled without proper tax reporting, making the credit reporting incomplete or inaccurate under the Fair Credit Reporting Act ( FCRA ). 

In addition, some of these creditors have failed to provide updated or verifiable account statuses, balances, and payment histories. These inconsistencies are negatively affecting my ability to secure financing and build a sustainable small business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint regarding several inaccurately reported charge-offs appearing on my credit reports by the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in the attached reports These creditors have reported charge-off statuses to Experian, Equifax, and TransUnion without issuing a Form 1099-C ( Cancellation of Debt ) to me or the IRS. The absence of 1099-Cs suggests that the debts were either : Not officially canceled, and therefore should not be listed as charge-offs, or Canceled without proper tax reporting, making the credit reporting incomplete or inaccurate under the Fair Credit Reporting Act ( FCRA ). 

In addition, some of these creditors have failed to provide updated or verifiable account statuses, balances, and payment histories. These inconsistencies are negatively affecting my ability to secure financing and build a sustainable small business.

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 2025-04-10 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
Requested company to remove fraudulent and negative information from being reported on my credit report. No Contractual Agreement with Company!

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Kikoff Inc.
State: IL

Complaint narrative:
According to 15 USC 1692 c you have violated my rights by in lawful communications please remove this off my credit report thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
I keep getting phone calls from someone claiming to be with Chase Bank. They claim that someone has submitted a Credit Card Application in my name. The person who calls has my correct Final Four Numbers of my Social Security Number. 
There are always background sounds, like a XXXX XXXX XXXX. 
So I hang up They keep calling back but always from a different Phone Number : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX They claim they are with Consumer Financial Protection Bureau. They gave me an " account '' Number : XXXX They claim it's someone in XXXX NC trying to steal my Identity. I had family there XXXX decades ago. 

The whole thing sounds dicey. The background noise, the XXXX accent, the fact that they keep calling from different Phone Numbers has me feeling suspicious. 

I've been very careful to not give any Personal Information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 identified a XXXX XXXX account on my credit report that was not opened by me. I called XXXX and they told me it was opened, and no payment was ever made. They called it a first payment default. I did not open this account nor use it. I followed the instructions by the FTC about filing an ID theft report and sent it by mail to experian, equifax, and transunion. This item is still on my report and the credit bueraus have ignored my written request. I tried calling them but it takes 90 minutes on hold to talk to someone. I don't have the time to do this with each individual bureau. The documents I mailed should be enough to remove this item 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I identified a XXXX XXXX account on my credit report that was not opened by me. I called XXXX and they told me it was opened, and no payment was ever made. They called it a first payment default. I did not open this account nor use it. I followed the instructions by the FTC about filing an ID theft report and sent it by mail to experian, equifax, and transunion. This item is still on my report and the credit bueraus have ignored my written request. I tried calling them but it takes 90 minutes on hold to talk to someone. I don't have the time to do this with each individual bureau. The documents I mailed should be enough to remove this item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My old landlord put me on her credit card so I would improve my credit report and score it's been 5 years I'm no longer in contact with her and she is Max all her limits out on her cards as affecting my score and needed it off long to me I've never been using it I was just on there to improve it I called the bank to get it removed they removed at now I need it off 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My old landlord put me on her credit card so I would improve my credit report and score it's been 5 years I'm no longer in contact with her and she is Max all her limits out on her cards as affecting my score and needed it off long to me I've never been using it I was just on there to improve it I called the bank to get it removed they removed at now I need it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My old landlord put me on her credit card so I would improve my credit report and score it's been 5 years I'm no longer in contact with her and she is Max all her limits out on her cards as affecting my score and needed it off long to me I've never been using it I was just on there to improve it I called the bank to get it removed they removed at now I need it off 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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX updated my bill pay address for hoa payment XXXX XXXX - received email from BOA confirming this change XXXX XXXX XXXX- ck sent to hoa with wrong address used previous address not updated address XXXX XXXX money deducted from my account XXXX XXXX XXXX hoa contacted me said did not receive XXXX XXXX XXXX XXXX - called BOA to resolve customer service admitted on recorded line it was BOA ERROR but could not confirm if chk was cashed. Still money not in my account so I can not pay already late bill and now have late fee of {$65.00} said they would research XXXX XXXX XXXX BOA sent message that check was not cashed so I need to cancel and replace due to funds still not in my account could not issue new check until XXXX XXXX XXXX XXXX XXXX XXXX hoa charged a 2nd late fee for XXXX payment not paid for 2nd month total fees now {$130.00} XXXX XXXX XXXX XXXX requested BOA refund these fees to my account as it was their error {$130.00} XXXX. BOA sent message that they wanted to contact HOA guess the did not belive me XXXX XXXX XXXX BOA never called Hoa now asked that I fax my hoa bill which I have but do not have fax machine I offered to upload doc but they would not allow also refused to well providie me with a contact of a human person or an email to upload as well as not sending me transcript of recorded original complaint that I requested several times XXXX XXXX XXXX I paid hoa {$130.00} XXXX but have yet to receive reimbursement from BOA that caused these fees

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I disputed a XXXX  XXXX bankruptcy reporting on my credit file and requested that the bureau provide original court documentation or XXXX verification. Instead of verifying the public record with the proper source, they responded by stating it was resolved by the data furnisher, which is not legally sufficient under FCRA 1681i. The bankruptcy was not verified through proper legal channels, yet it remains on my report. This is a failure to conduct a lawful reinvestigation.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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