vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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 a victim of identity theft. My credit report contains multiple fraudulent accounts, inquiries, and personal information that do not belong to me. I submitted a notarized FTC Identity Theft Report under the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ), along with supporting documentation, and demanded deletion under federal law.

The credit bureaus failed to comply with their legal obligations under 15 U.S.C. 1681i and 1681s2 ( b ). They did not provide the method of verification, failed to block the disputed information within the 4-business-day period required under 1681c2, and continued to report inaccurate data.

This is a willful violation of my rights. I demand immediate deletion of all disputed items and full compliance with federal law. I am requesting the CFPB enforce corrective action and hold the companies accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). 

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX XXXX Account number XXXX Inconsistencies among TransUnion , Experian, and Equifax regarding this account as follows : Date opened XX/XX/year> vs XX/XX/year> High credit limit {$1500.00} vs {$560.00} Credit limit varies. 

I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). 

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX XXXX Account number XXXX Inconsistencies among TransUnion , Experian, and Equifax regarding this account as follows : Date opened XX/XX/year> vs XX/XX/year> High credit limit {$1500.00} vs {$560.00} Credit limit varies. 

I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard.

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 2025-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Good evening, upon going to use my XXXXXXXX XXXXXXXX XXXX XXXX ( XXXX XXXX  ) / Comenity bank, I was told that the account had been closed ( which was inaccurate ), and Id need to call the bank. I called the bank who then told me that my account had been closed on XX/XX/year> per my request which was false, after I had called in regards to a dispute that I had open at the time. The calls between the rep and I are recorded and I asked multiple people to have someone review the call between the rep and I where youll hear me specifically say NOT to close my account and Ill just wait until I receive the letter about my dispute in the mail. Never once did I say to continue the closure of my account, it was discussed but later cancelled, which you can hear on the call. I finally reached a supervisor at one point today on the call who stated he couldnt do anything after 7 days and basically said that i take the hit on my credit report for their error, but i can write into the credit bureau to dispute further, very unprofessional. I do not want this as a closed account on my credit report and hoping to get some kind of resolution. Any help is greatly appreciated, thanks! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: IL

Complaint narrative:
I am a documented and verified victim of identity theft, as reflected in FTC Report # XXXX. This identity theft is directly linked to the Equifax data breach and has caused severe damage to my credit profile. Despite submitting the FTC report and demanding corrective actions, credit bureaus continue to report inaccurate, unverifiable, and fraudulent information on my credit reports, violating my rights under the Fair Credit Reporting Act ( FCRA ).

I have submitted my FTC Identity Theft Report along with personal statements and supporting documentation to all major credit bureaus and requested immediate removal of all fraudulent data. They have failed to fully correct the issues, remove the false data, or conduct a proper reinvestigation, which violates : FCRA 611 ( failure to properly reinvestigate disputed information ) FCRA 609 ( a ) ( 1 ) ( failure to disclose sources of information ) FCRA 605B ( failure to block identity theft-related information )

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 2025-07-12 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: TX

Complaint narrative:
I was looking at my credit report and still see XXXX XXXX is on my credit report. It was a lease I turned in on the XXXX of XXXX, but XXXX couldnt find the truck for approximately XXXX weeks. The only fees I agreed to was over the mileage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I was looking at my credit report and still see XXXX XXXX is on my credit report. It was a lease I turned in on the XXXX of XXXX, but XXXX couldnt find the truck for approximately XXXX weeks. The only fees I agreed to was over the mileage.

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 2025-07-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
As a claimant in the XXXX class action settlement, I was approved for payment and selected the XXXX  option. While I observed reports of prior distributions, I have yet to receive my payment. Consequently, I contacted the settlement administrator, who subsequently informed me that my XXXX was issued during the initial week of XXXX. Upon confirming non-receipt and thoroughly reviewing both my junk and spam folders, I contacted Blackhawk XXXX as directed. Blackhawk XXXX advised me to anticipate further communication via email.. Furthermore, it was reported that a hard card was dispatched to an individual at an address distinct from mine, utilizing a surname associated with a previous marriage. Upon receiving an email from Blackhawk requesting specific documentation, including a selfie with my government-issued identification and a utility bill, I complied. I provided the requested materials, including a selfie with my passport and a copy of my internet bill displaying my address. In response, they requested a copy of my government-issued identification, and I clarified that my passport is the sole form of government-issued identification I currently possess, emphasizing that a passport indeed serves as such. Their standard communication indicates a response time of within forty-eight hours. hours, but they have not responded.. I have filed a police report and I filed an identity theft report with my State Attorney General 's Office which I also submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
i have called Equifax, Transunion, and Experian concerning old addresses and old employers that have not been removed. They refuse to remove them. I have called and requested this several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of American is unable to establish autopay from my checking account to one of my credit cards. AutoPay for one credit cards was easily set up and works. For the other credit card- no. There is an eBills process that is a prerequisite to setting up AutoPay. My credit card account has shown " Already signed up for eBills '' for years but AutoPay can not be set up. I have called Bank of America for 2 years trying to resolve this. There has never been a solution. I am trying to be a responsible credit card user - setting up autopay so there is no chance of any delinquency ever. I am not willing to use the card without autopay in place. A late or missed payment has real consequences for me ( credit report and fees ) and real benefits to Bank of America in fees. Making it impossible for me to set up AutoPay increases for them the likelihood of a delinquency to their benefit. - I have tried even cancelling and reissuing the card hoping new account with a new number would not have this issue. No change. I have just finished yet another hour-long call with Bank of America trying to resolve this. No one in any department is able to help. Bank of America 's systems and policies are abusive to customers and assign no value to the time and frustration they cost the user.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you, XXXX. Based on the information you provided, heres a complete inquiry removal request letter you can send to XXXX XXXX  and Equifax regarding multiple unauthorized inquiries between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX To : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Removal of Unauthorized Inquiries Under FCRA To Whom It May Concern, I am writing to dispute multiple unauthorized hard inquiries listed on my credit report. I have reviewed my credit reports from all three bureaus and noticed the following inquiries between XX/XX/XXXX and XX/XX/XXXX, which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 604 [ 15 U.S. Code 1681b ], credit inquiries are only permitted with the consumers authorization or for other legitimate reasons as outlined in the law. I did not apply for credit or authorize any of these entities to access my credit file during the specified period.

Please conduct a formal investigation into these inquiries. If you can not provide documented proof that I authorized them, I request that you immediately remove each of these inquiries from my credit report.

Additionally, please provide me with : The results of your investigation in writing, and An updated copy of my credit report reflecting the removal of any unauthorized inquiries.

Thank you for your prompt attention to this matter. I look forward to resolving this dispute within the 30-day period as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Dispute of Credit Reporting under USC 605 ( b ) Dear EQUIFAX, TRANSUNION AND EXPERIAN. 

I am writing to formally dispute the accuracy of the information reported on my credit report, specifically in accordance with the Fair Credit Reporting Act ( FCRA ), under section USC 605 ( b ).

The reason for my dispute is identity theft. I have identified several unauthorized credit cards, apartments, and inquiries associated with my name that I did not authorize. According to USC 605 ( b ), information that can not be verified or is inaccurate must be removed from my credit report. 

I kindly request that you investigate this matter and provide me with the results of your investigation within the time frame required by law. Additionally, I ask that you provide documentation supporting the information you have reported. 

Please confirm receipt of this dispute letter and provide updates regarding the investigation process. I appreciate your prompt attention to this matter. 

Thank you for your cooperation.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies XXXX, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the XXXX credit bureaus. 

XXXX XXXX XXXX Account number XXXX Inconsistencies in account details status unknown credit extension review vs collection No. of moths ( terms ) XXXX vs XXXX High credit limit varies I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-12 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: GA

Complaint narrative:
Subject : Formal Notice of Noncompliance with FCRA 605B Demand for Mandatory Block To Whom It May Concern : This is a formal notice that you have failed to comply with the requirements under the Fair Credit Reporting Act 605B ( 15 U.S. Code 1681c2 ). I submitted a valid identity theft report, supporting documentation, and a written request to block fraudulent information from my credit report. Instead of initiating the mandatory block process, your response indicates that you processed this under FCRA 611 ( Reinvestigation ), which is incorrect and not a substitute for 605B protections.

I demand immediate compliance with 605B and that you block the disputed information within 4 business days as required by law. This obligation is not discretionary and is not subject to verification by the furnisher. If Experian continues to report these fraudulent tradelines, I will pursue : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) citing your failure to comply with 605B.

A complaint with the Federal Trade Commission ( FTC ).

A potential civil action for willful noncompliance under FCRA 616 and/or negligent noncompliance under 617. 

Please treat this as a second and final notice. I expect a written confirmation of compliance within 10 days of receipt of this letter. 

Sincerely,

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 2025-07-12 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:
This is identity theft I did not open this account. Someone stole my identity. Please remove and block immediately.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
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, the Trans Union 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. The fraudulent inquiries I have found : XXXX XXXX - XXXX, XXXX XXXX - XXXX. 
I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: NJ

Complaint narrative:
National XXXX for the past 3-4 years or so has failed to correct information they're claiming to be mine, when I have provided information to show I am not responsible for this account balance. Real owner of debt said he tried reaching out to them as well and they have refused to comply, I did provide document proof and they proceed to harass me and file this false information on my credit report now as well when genuinely this debt does not belong to me. 
They've sold my information to a debt collector without permission as well called national recovery

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