vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your intervention regarding improper credit reporting related to a vehicle lease I legally terminated through XXXX XXXX XXXX under the Servicemembers Civil Relief Act ( SCRA ), codified at 50 U.S.C. 3955. 

As an XXXX XXXXXXXX XXXX XXXX XXXXXXXX for a qualifying period of over 180 days, I invoked my right to terminate my motor vehicle lease pursuant to SCRA. In compliance with 50 U.S.C. 3955 ( a ) ( 1 ) ( B ), I submitted my XXXX  XXXX  and returned the leased vehicle as required by law. 

Despite this lawful termination, XXXX XXXX XXXX has continued to report the lease beyond the return date and appears to have submitted derogatory or misleading information to the credit reporting agenciesEquifax, XXXX, and XXXX. This reporting is improper and potentially in violation of both the SCRA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which prohibits the inclusion of inaccurate or incomplete information on a consumers credit file. 

Importantly, I have made multiple good-faith efforts to resolve this issue directly with XXXX XXXX XXXX XXXX XXXX that they end any reporting associated with the lease after the date of vehicle turn-in and remove any negative notations from my credit report. These efforts have been unsuccessful, and no corrective action has been taken to date. 

Under 50 U.S.C. 3955 ( e ), no lease terminated in accordance with the SCRA may be treated as a breach of contract or subject to penalty. Additionally, under 50 U.S.C. 3953 ( d ), credit reporting actions based on legal SCRA-protected conduct are prohibited. The continuation of reporting past the lawful termination dateparticularly if negative in natureviolates these protections and threatens to undermine my financial stability and access to credit while serving on XXXX XXXX. 

I am therefore requesting that the CFPB : Investigate XXXX XXXX XXXX reporting conduct in this matter ; XXXX XXXX XXXX XXXX and all three credit bureausEquifax, XXXX, and XXXX immediately cease all reporting related to the terminated lease beyond the vehicle turn-in date ; Ensure the removal of any adverse or misleading notations, including references to default, delinquency, or early termination that resulted from the lawful exercise of my SCRA rights ; Confirm that no improper tax forms ( e.g., IRS Form 1099-C ) were or will be issued in connection with this terminated lease in potential violation of IRC 6050J. 
Enclosed are supporting documents, including my XXXX XXXX and lease termination submission, verifying my eligibility and full compliance with the SCRA. 

Thank you for your support of servicemembers and your attention to this important matter. I am available to provide any further documentation or information as needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
On multiple occasions, I have submitted disputes and formal identity theft documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ) demanding the permanent blocking and removal of fraudulent items from my credit report. Despite my full compliance with federal requirements, you continue to report these fraudulent accounts and addresses, and you have issued generic, non-specific letters refusing to block the information. 
The following items are fraudulent and must be permanently blocked and deleted from my credit file : XXXX XXXX XXXX  Affirm XXXX XXXX  Opened : XXXXXX/XX/year> Fraudulent Amount : {$350.00} Account # : XXXX In addition, the following fraudulent address must be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX  As previously submitted, my identity theft documentation includes : - FTC Identity Theft Report - Government-issued Drivers License - Social Security Card - Utility bill as proof of current address ( Drivers License ) Under FCRA 605B ( a ), you are required to block fraudulent information within XXXX XXXX XXXXour business days XXXX XXXX of receiving a proper request. Further, under FCRA 605B ( c ), you are legally obligated to provide a * * specific written explanation * * if you decline to block the information. Your prior generic letters do not satisfy this legal requirement and place you in violation of federal law. 
This letter serves as my * * FINAL DEMAND * * that you : 1. Immediately block and permanently delete the above fraudulent account and address from my credit file. 
2. Provide written confirmation of the removal within * * ten ( 10 ) days * * of the date of this letter.

Failure to comply will result in : - Additional complaints filed with the Consumer Financial Protection Bureau and my State Attorney General.

- Potential legal action under FCRA 1681n and 1681o for willful and negligent noncompliance, including statutory damages, actual damages, and attorneys fees. 
GOVERN YOURSELVES ACCORDINGLY. 
I look forward to your prompt compliance and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
I am disputing multiple inaccurate and unverifiable items on my TransUnion credit report. I submitted a written dispute letter citing violations under FCRA 1681i, 1681s-2, 1681c ( a ) ( 4 ), and 1681b. These include misreported repossessions, obsolete accounts over 7 years old, unauthorized hard inquiries, and unverifiable collections. TransUnion must either verify these items with documentation or permanently delete them. I have supporting documentation, including a full dispute letter attached.

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 2025-07-13 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: SC

Complaint narrative:
TranUnion did not fix the innacurate report on my TransUnion report. An account was closed over XXXX years ago and is still showing late payments to the current day. The account is 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 2025-07-13 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: NV

Complaint narrative:
I am submitting a Final Notice of Noncompliance addressed to the credit bureaus. This document summarizes the ongoing violations of FCRA 1681i, 1681e ( b ), and 1681s-2 ( b ) after 3+ months of ignored or improperly handled disputes. I demand deletion of all unverifiable accounts within 10 calendar days or I will pursue legal and regulatory escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2025-07-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hard inquiries not recognized by me : XXXX XXXX - XX/XX/XXXX ( TransUnion ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion ), XXXX XXXX - XX/XX/XXXX ( Equifax ), XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ), XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ), XXXX - XX/XX/XXXX ( Experian ).

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 2025-07-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ).

I have identified the following fraudulent item ( s ) on my credit report : - Creditor XXXXXXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/year> - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau.

Enclosed with this letter, I am providing the required documentation : 1. A copy of my government-issued photo ID ( proof of identity ).

2. A copy of a recent utility bill or bank statement ( proof of address ).

3. A copy of my police report or FTC Identity Theft Report. 4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity thef
t.

Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place. 
If you need additional information, feel free to contact me at the number or email above. 

Sincerely, XXXX XXXX XXXX : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy Please verify this account or delete. Verification is not considered Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Subject : Request for Reinstatement of Stolen Funds under Regulation E Dear Bank of America Bank, I am writing to formally request the reinstatement of funds that were wrongfully debited from my account, in accordance with the provisions of Regulation E under the Electronic Fund Transfer Act. I believe these transactions were unauthorized and were made without my knowledge or consent. 
The details of the unauthorized transaction ( s ) are as follows : * Transaction Date ( s ) : XXXX XXXX Amount ( s ) : Around {$4700.00} I promptly reported the unauthorized transaction ( s ) to your customer service department. Under Regulation E, I understand that I am entitled to have the unauthorized charges reversed within 10 business days, pending the outcome of your investigation. 
As the transactions in question were clearly unauthorized, I am requesting that Bank of America Bank fully reinstate the stolen funds to my account. I expect this process to be handled in compliance with the relevant regulations, and that the funds will be restored within the statutory timeframe. 
Please provide me with a written acknowledgment of the receipt of this letter and the status of your investigation as soon as possible. Should you require any further documentation or information from me, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this issue. 
Sincerely, 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 2025-07-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and my entire life has changed since I have become a victim of identity theft. I am in the process of taking back my life since being victimized. I am in the process of trying to purchase a home, however, I have noticed that they are several fraudulent accounts reporting on my credit profile that is hindering my ability to purchase a home. I have listed these accounts on the attached FTC 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 2025-07-13 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: FL

Complaint narrative:
My name is XXXX XXXX and my entire life has changed since I have become a victim of identity theft. I am in the process of taking back my life since being victimized. I am in the process of trying to purchase a home, however, I have noticed that they are several fraudulent accounts reporting on my credit profile that is hindering my ability to purchase a home. I have listed these accounts on the attached FTC 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 non-monetary relief
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
I am disputing multiple inaccurate and unverifiable items on my Equifax credit report. I sent a written dispute letter identifying false information, including a repossession reported as involuntary ( which was voluntary ), incorrect balances, and accounts reporting late payments after closure. I also identified unauthorized XXXX  inquiries and outdated personal information. Several accounts XXXX exceed the XXXX reporting limit under FCRA XXXX ( a ) ( XXXX ). Per FCRA XXXX and XXXX, I demand reinvestigation or permanent deletion of these items. My full dispute letter is attached as documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
I am filing this complaint due to inaccurate, harmful, and potentially unlawful credit reporting of a foreclosure on my property by XXXX XXXX, XXXX and Affiliates and the XXXX major credit bureaus : Experian, Equifax, and TransUnion. 

I have attached certified court documents dated XX/XX/year> that prove I was never legally served during the foreclosure process. The court record clearly shows Unserved and Still in Possession to this day. Additionally, the XXXX XXXX XXXX document is blank with no valid proof of service filed. A stamped writ was also issued without due process. These are not assumptions they are verified, clerk-stamped legal facts. 

Despite this, the bureaus are reporting the foreclosure with conflicting remarks : XXXX bureau reports Foreclosed Another reports Redeemed Another shows Foreclosed Collateral\nThese inconsistencies violate my right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). 

The harm has already taken place : - My XXXX XXXX has dropped over XXXX points following this report. 
- I have been denied financial opportunities, including housing and auto loans. 
- My son, who has no connection to the home, has been denied credit and appears to be impacted through retaliatory or associated red flagging, despite no cause. 

I have submitted disputes to all three credit bureaus along with certified legal documentation. This CFPB complaint is being filed simultaneously because this issue is not a mistake its negligence and fraud. I am pursuing all legal remedies under federal and state law, including : FCRA XXXX ( b ) Failure to ensure maximum possible accuracy FCRA XXXX Failure to conduct a reasonable reinvestigation FCRA XXXX ( b ) Failure of furnishers to investigate disputed information ANY Attempts to alter the docket or quietly fix the record after the fact will be viewed as evidence of concealment or bad faith. Any such efforts will be met with further legal action. 

All communication regarding this matter must be in writing. Do not attempt to call me. 
Please send all responses to my official mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, TX XXXX Please note : This is not the full scope of violations. I am actively pursuing all legal and equitable remedies under XXXX and XXXX law. Every participant involved in the mishandling will be held accountable for the harm caused. This CFPB filing is only the beginning. I have remained in honor and patient long enough. I expect a response and resolution under full compliance with the law.

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 2025-07-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ).

I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-XXXX  - Account Number : XXXX - Date Opened : XX/XX/year> - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. 

Enclosed with this letter, I am providing the required documentation : 1. A copy of my government-issued photo ID ( proof of identity ).

2. A copy of a recent utility bill or bank statement ( proof of address ).

3. A copy of my police report or FTC Identity Theft Report.

4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity theft. 
Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place. 
If you need additional information, feel free to contact me at the number or email above. 

Sincerely, XXXX XXXX XXXX : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy Please verify this account or delete. Verification is not considered Validation.

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