vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$520.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) # XXXX XX/XX/XXXX -- {$390.00} XXXX XXXX ( Original Creditor : XXXX AT T XXXX ) # XXXX XX/XX/XXXX -- {$150.00}

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 2025-06-02 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: NJ

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and 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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am reporting this company for two different reasons, both of whom relate to identity theft! Of which I have informed this company on many occasions already!!! Starting off. I have NEVER HAD A BANK ACCOUNT WITH BANK OF AMERICA IN MY LIFE!!! Yet when I finally tried to open one they told me I already had one!!!!???!!?? How???? Either way I promptly filed for identity theft, as my personal identifying information has been stolen from me for YEARS now, and Ive had to deal with countless fraudulent accounts being opened in my name as a result, but after bringing all the required documents like FTC Affidavit, as well as, police reports, and numerous complaints to the CFPB, this company STILL has performed discriminatory actions against me.! All I want is a fair and honest chance to get a bank account with these people. Im sorry my identity got stolen, I cant help that.BUT to delete the fraudulent accounts, and STILL hold it against me as if my identity wasnt stolen, is ABSOLUTELY INSANE!!!! IHAVE NEVER DEALT WITH SUCH INCOMPETENCE IN MY LIFE!!! How do you tell me Im not responsible, but still hold it against me??? Give me a fair chance to open an account with you all!!! I thought you dont discriminate? Equal Opportunity? Also just to bolster my claim about the fraud, I just got notified about a new credit inquiry on my reports from GUESS WHO?? Bank of America.!!! This is frustrating to say the least!!! I HAVENT CHECKED FOR ANY LINE OF CREDIT WITH YOU PEOPLE!!! IF I CANT GET A BANK ACCOUNT, WHAT MAKES YOU THINK ILL TRY FOR A CREDIT CARD??? Like CMON!!!! Two things Im requesting, 1. Delete the credit inquiry on my credit reports NOW!!! And 2. And more importantly, ALLOW ME TO BE ABLE TO OPEN A CHECKING ACCOUNT WITH YOU ALL!!! Delete the fraudulent account ( s ) from my credit file and allow me an actual clean slate! Ill go into an office to open just to PROVE ITS ME!!! But stop discriminating!!!

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 2025-06-02 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:
I reported this identity theft to TransUnion months ago and they totally ignored it. XXXX XXXX Account # XXXX * * * * is not my account i am a XXXX  of 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 2025-06-02 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 have sent in an identity report to the credit bureaus and they have done nothing but ignore me with 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 2025-06-02 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Closed accounts XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$980.00} Inquiries XXXX XXXX XXXXXXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
I have filed a FTC report shortly after realizing fraudulent accounts/items on my FICO credit report. I have uploaded my FTC report, copy of my drivers license and social security card as proof of my identity. I am filing this complaint to request that you place an immediate block on these fraudulent accounts/items in my credit file within 4 days upon receipt of this correspondence. 

I have recently reviewed a copy of my credit report and the following accounts/items does not relate to any transactions that I have made ; therefore, I am requesting that these accounts/items be completely REMOVED and BLOCKED from my FICO credit report. This is not a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of Identity Theft. 

Please REMOVE and BLOCK this fraudulent information per sections XXXX, XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act. Also, refer to XXXX XXXX. XXXX for inaccurate and unverifying information supposed to be deleted. I am requesting that the following fraudulent accounts/items be deleted and blocked from my credit file : ACCOUNTS XXXXXXXX XXXX XXXX XXXXXXXX * * * * XXXX XXXXXXXX XXXX * * * * XXXX XXXX * * * * XXXX XXXX XXXX XXXX * * * * XXXX XXXXXXXX XXXX * * * * INQUIRIES XXXX XXXXXXXX XX/XX/year>

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 2025-06-02 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: PA

Complaint narrative:
I have filed a FTC report shortly after realizing fraudulent accounts/items on my FICO credit report. I have uploaded my FTC report, copy of my drivers license and social security card as proof of my identity. I am filing this complaint to request that you place an immediate block on these fraudulent accounts/items in my credit file within 4 days upon receipt of this correspondence. 

I have recently reviewed a copy of my credit report and the following accounts/items does not relate to any transactions that I have made ; therefore, I am requesting that these accounts/items be completely REMOVED and BLOCKED from my FICO credit report. This is not a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of Identity Theft. 

Please REMOVE and BLOCK this fraudulent information per sections XXXX, XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act. Also, refer to XXXX XXXX. XXXX for inaccurate and unverifying information supposed to be deleted. I am requesting that the following fraudulent accounts/items be deleted and blocked from my credit file : ACCOUNTS XXXXXXXX XXXX XXXX XXXXXXXX * * * * XXXX XXXXXXXX XXXX * * * * XXXX XXXX * * * * XXXX XXXX XXXX XXXX * * * * XXXX XXXXXXXX XXXX * * * * INQUIRIES XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Accounts Names : 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 Complaint Details : I am filing this complaint because there is a charges-offs on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the charge-offs is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute.

I believe the charge-off is inaccurate for the following reason ( s ) : * [ accounts showing different balances accross the credit bareus Date opened doesnt match I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report.

Action Requested : * Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

* Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 

Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: RI

Complaint narrative:
I am writing to file a formal complaint against Equifax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to XXXX notifying them of the reinsertion of XXXX XXXX XXXXXXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). 
Despite waiting for 35 days atter sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 

XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$130.00}

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 2025-06-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Netspend Corporation
State: WA

Complaint narrative:
For the month of XX/XX/XXXX I received XXXX direct deposits XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of : {$330.00} totalling {$510.00}. With a beginning balance of : {$6.00} on XX/XX/XXXX bringing the total to : {$520.00}. 
Withdrawals from local ATM : XX/XX/XXXX - Authorized Amount {$40.00} plus terminal fee {$3.00}. Total transaction {$43.00}. XXXX XXXX {$270.00}. 
XX/XX/XXXX - XXXX XXXX {$200.00} plus terminal fee {$3.00}. Total transaction {$200.00}. XXXX XXXX {$64.00}. 
XXXX fee for ATM is {$2.00} x XXXX {$7.00}. This only adds up to {$250.00}. 
So the way I figure is there is {$270.00} available balance. 
XX/XX/XXXX - Authorized Amount {$100.00} plus terminal fee {$3.00}. Total transaction {$100.00}. Now at this point the available balance is showing - {$100.00}. WHY? 
I tried XXXX more times to make a withdrawal from the ATM on XX/XX/XXXX and XXXX more time on XX/XX/XXXX and thus time the receipt informed me that my card had been reported stolen. 
So I placed a phone call to Brinks and they said that I had overdraft that enabled this withdrawal from a ATM and I never agreed to a overdraft that they had turned on in my account. BUT ACCORDING TO THEIR CARD AGREEMENT OVERDRAFT IS NOT PROVIDED FOR THEIR BRINKS XXXX XXXX CARD. All this happened in XX/XX/XXXX. By the time XXXX came around they took {$160.00} plus XXXX more from my XXXX of {$330.00}. 
Now at the present time on XX/XX/XXXX I have XXXX dallor and some cents left as they made me order a new card that I have yet to receive. 
On the morning if XX/XX/XXXX there were XXXX debits that had already cleared in the amounts of {$90.00} for a XXXX XXXX transfer and a {$10.00} charge for the XXXX XXXX transfer. So I placed a call to Brinks prepaid XXXX and questioned how could these transfers happen cause for one I did not authorize them nor did I make these transfer and XXXX how could these transfer happen when this is no active card at the present time? Brinks did nothing to resolve this transaction ir any in the past as far as that goes. 
Every week there was an issue with Brinks and their prepaid mastercard. They have caused economic harm and mental anguish over me getting my hands on this much needed funds. 
Please help.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report and found incorrect information being reported by XXXX XXXX XXXX XXXX regarding an account that I believe is inaccurate. I submitted a formal dispute to Experian requesting a reinvestigation of this account. I also requested detailed information and documentation to verify the accuracy of the account, including the date the account was opened, payment history, balance information, and any evidence used by the furnisher to report this account. 

Despite my request, I have not received the requested documentation or confirmation that a proper investigation was conducted. The information on my credit report remains inaccurate, and the company has not provided sufficient evidence to verify the account. This failure to investigate and correct the error violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure maximum possible accuracy and conduct a thorough reinvestigation when a dispute is submitted. 

I am requesting that Experian conduct a proper reinvestigation into this account, provide the requested documentation, and correct or remove any inaccurate information 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 2025-06-02 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: FL

Complaint narrative:
Company has reported the account is a charge off account and I did not receive any information on that

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 2025-06-02 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: FL

Complaint narrative:
Company has reported the account is a charge off account and I did not receive any information on that

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Company has reported the account is a charge off account and I did not receive any information on that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had a fraudulent account on my report. Please remove these accounts from my report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I came across this CFPB lawsuit. 
I feel I was negatively impacted. Hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified '. 
I need to see proof and validation or put to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I came across this CFPB lawsuit. 
I feel I was negatively impacted. Hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified '. 
I need to see proof and validation or put to delete.

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