vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$3400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution.

Unauthorized inquiries to be removed : [ XXXX XXXX XXXX  XXXX ] [ XX/XX/year> ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
I am genuinely worried these negative items are not mine I have been affected by identity theft and this fraudulent activity is disrupting my life Please ensure all these items are BLOCKED and REMOVED immediately. The listed inquiries were not made or authorized by me. I am genuinely worried these negative items are not mine, i have been affected by identify theft and this fraudulent activity is disrupting my life.What makes this situation even harder is that I feel I am not receiving the adequate attention or protection from the bureau. Despite my repeated attempts to make my case clear, my pleas seem to go unheard. I feel abandoned, left without support, and forced to carry the consequences of crimes I did not commit.

This is heartbreaking for me. I did not ask for this, I did not authorize any of these inquiries, and I should not have to live with the shadow of someone elses fraudulent actions. Yet, these errors continue to haunt me, blocking opportunities, damaging my reputation, and causing me daily stress and anguish. Listed below are the fraudulent accounts and unauthorized inquiries appearing on my credit report XXXX, Opened in XX/XX/XXXX ; XXXX Opened in XX/XX/XXXXXXXX XXXX XXXX, Opened in XX/XX/XXXX ; XXXXXXXX XXXX XXXX, Opened in XX/XX/XXXXXXXX XXXX XXXX, Opened in XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ), opened in XX/XX/XXXXXXXX XXXX XXXX  Opened in XX/XX/XXXXXXXX XXXX XXXX Opened in XXXX XXXX, XXXX ; XXXXXXXX XXXX, Opened in XXXX XXXX XXXX ; XXXX, Opened in XX/XX/XXXX ; Inquiried on XX/XX/XXXX ; XXXX XXXX Inquiried on XXXX XXXX XXXX XXXX XXXX XXXX  Inquiried on XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: NC

Complaint narrative:
T

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$72.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-18 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: VA

Complaint narrative:
I am a victim of identity theft. Fraudsters opened multiple accounts in my name without my knowledge or consent.

I discovered this when reviewing my credit reports and immediately took action to protect myself.

I filed police reports and obtained my Identity Theft Report as required under federal law. I then submitted this documentation along with supporting evidence to all three major credit reporting agencies Experian, TransUnion, and Equifax - demanding removal of all fraudulent information under 15 U.S.C. 1681c-2.

The Problem : Despite providing legally compliant Identity Theft Reports and supporting documentation, these companies are refusing to fully comply with federal law. Here 's what each company is doing wrong : Experian has completely ignored my identity theft claims and continues reporting fraudulent accounts, hard inquiries, and payment history.

They have not removed a single fraudulent item despite clear evidence and multiple complaints.

TransUnion made partial deletions but continues to report several fraudulent accounts as " closed '' - which still damages my credit and violates the law. Fraudulent accounts should be completely deleted, not just marked as closed.

Equifax also made partial deletions but like TransUnion, continues showing fraudulent accounts as " closed '' instead of completely removing them as required by law.

What the law requires : Under 15 U.S.C. 1681c-2 ( a ), credit reporting agencies MUST block fraudulent information within 4 business days of receiving an Identity Theft Report.

They can not report ANY trace of fraudulent accounts - not as open, not as closed, not at all.

Under 15 U.S.C. 1681i ( a ), they must conduct reasonable reinvestigation and delete inaccurate information within 30 days.

Under 15 U.S.C. 1681e ( b ), they must maintain maximum possible accuracy in credit reports.

Previous complaint history : I have filed multiple complaints with the CFPB about this ongoing violation : Experian : Complaint # XXXX XXXX XXXX XXXX XXXXXXXX TransUnion : Complaint # XXXX XXXX XXXX Equifax : Complaint # XXXX XXXX XXXX XXXX XXXX Despite these complaints, the violations continue. The companies either ignore the complaints or send form responses claiming they " investigated '' while changing nothing.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
Dispute of Legal Fee Charges Related to HOA violations. My lender M & T Bank is imposing attorney legal fees on my account without any prior notice or brake-down of fees, due to my HOA has violations that are not related to my home which I have no violation, no lates on payments and there are no liens on my property. The lender was provided notice of this lawsuit against my HOA and the XXXX XXXX XXXXXXXX, and every time a court hearing takes place my lender is charging m

y account for their legal fees. M & T replied back with out providing me with pertinent information needed to confirm reasons for their actions. I

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 2025-08-18 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: TX

Complaint narrative:
I am formally disputing the late payment currently listed on my account. My records demonstrate timely payments, and the reported late entry is inaccurate. This misreporting is unfairly harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Sir or Madam, I am submitting this formal complaint against Bank of America regarding the handling of transactions connected to my business account and the refusal to provide me with dispute or fraud resolution assistance.

Timeline of Events : XX/XX/XXXX ( around XXXXXXXX XXXX ) : I sold XXXX via XXXX XXXX XXXX to a user with XXXX XXXX ( legal name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX ). He paid me via Bank of America to Bank of America transfers. The payments consisted of two transactions of {$5000.00} each. 
XX/XX/XXXX : When I logged into my newly opened Bank of America business account, I discovered that both {$5000.00} transactions were placed on hold. 
XX/XX/XXXX : I visited a Bank of America branch to resolve the matter. The branch manager informed me that I had to call the Fraud Department. When I called, however, I was told I could not file a dispute at this point and that they could not assist me.

XX/XX/XXXX : I called Bank of America again and was transferred to the Fraud Department. This time I was provided with a fax number and a case number so I could send in all supporting evidence for review.

Issue : Despite following the banks instructions, I have been unable to formally dispute or resolve these fraudulent transactions. The bank has repeatedly redirected me without offering a proper resolution, leaving {$10000.00} of my business funds inaccessible.

Request for Relief : I respectfully request the following : 1. That Bank of America conduct a proper investigation into these transactions without further delay.

2. That I be provided with a clear dispute process and status updates regarding my case.

3. That the {$10000.00} on hold be released or resolved in a timely manner. 4. That the CFPB ensure Bank of America is complying with applicable laws and regulations
regarding fraud handling, consumer/business protections, and dispute rights.

I have attached supporting evidence, including transaction records, identification details of the counterparty, and my correspondence with Bank of America.

Thank you for your immediate attention to this matter.

Sincerely, 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 monetary relief
Consumer complaint received 2025-08-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief