vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reason to believe that my personal dataincluding but not limited to my full name, Social Security Number, and date of birthmay have been accessed or used without authorization. As a result, I am exercising my rights under applicable state privacy laws and federal consumer protection laws to request that your agency delete any and all personal information you currently maintain about me that is not required to be retained by law. 

My personal and financial data was compromised violating FERPA. I request full cancellation of my XXXX loan debt.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reason to believe that my personal dataincluding but not limited to my full name, Social Security Number, and date of birthmay have been accessed or used without authorization. As a result, I am exercising my rights under applicable state privacy laws and federal consumer protection laws to request that your agency delete any and all personal information you currently maintain about me that is not required to be retained by law. 

My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reason to believe that my personal dataincluding but not limited to my full name, Social Security Number, and date of birthmay have been accessed or used without authorization. As a result, I am exercising my rights under applicable state privacy laws and federal consumer protection laws to request that your agency delete any and all personal information you currently maintain about me that is not required to be retained by law. 

My personal and financial data was compromised violating FERPA. I request full cancellation of my XXXX loan debt.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute several accounts that were fraudulently opened in my name as a result of identity theft. I have already filed an identity theft report with the Federal Trade Commission ( FTC ), and my FTC Identity Theft Report number is XXXX & XXXX & XXXX. 
The following accounts were opened without my authorization : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and credit reporting agencies are required to block fraudulent information resulting from identity theft. Additionally, I am requesting that these accounts be deleted from my credit report in accordance with the protections provided under the FCRA, specifically under Sections 605B and 609 ( e ), which allow victims of identity theft to have fraudulent information removed from their credit file. I kindly request that you investigate this matter and take the necessary actions to ensure these fraudulent accounts are removed from my credit report. Please confirm receipt of this letter and inform me of the next steps.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> TransUnion

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently accepted an employment offer from XXXX XXXX and after conducting their background check, I received an adverse email stating my employment opportunity is being reconsidered due to the fraud alerts placed by the credit reporting agencies the XXXX XXXX provided to XXXX. The consumer credit reporting agencies are : 1. ) Equifax 2. ) Experian 3. ) Transunion How can I review their report and get these alerts cleared from my.name?

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently accepted an employment offer from XXXX XXXX and after conducting their background check, I received an adverse email stating my employment opportunity is being reconsidered due to the fraud alerts placed by the credit reporting agencies the XXXX XXXX provided to XXXX. The consumer credit reporting agencies are : 1. ) Equifax 2. ) Experian 3. ) Transunion How can I review their report and get these alerts cleared from my.name?

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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Dispute transaction ID XXXX the XXXX store for {$130.00}. I received a better today saying that you cant help me and you sent me some a copy of a receipt and some like shipping details for various packages. I never denied that a transaction didnt occur. What I denied is that Im made this purchase. I dont see any signatures or anything like that anywhere how is this proof of anything? This is just shipping labels I dont understand how that proves anything. We didnt have the card in our possession. We didnt ship any of this stuff. The store is insane. They didnt answer the questions at all and the shipments have my name on them on top of everything else.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I filed a CFPB complaint on XX/XX/2025 ( Complaint ID : XXXX ) against TransUnion regarding incorrect and unauthorized items on my credit report. I also mailed a formal dispute via USPS Certified Mail on XX/XX/2025, to TransUnions XXXX, PA XXXX address. 

My dispute included the following issues : XXXX XXXX XXXX inaccurate account details XXXX XXXX unauthorized and incorrect reporting XXXX XXXX outdated status XXXX XXXX XXXX XXXX charge-off reporting error XXXX XXXXXXXX XXXX reporting false data Four hard inquiries dated XX/XX/2025, from auto and credit lenders which I did not authorize Incorrect name variation on file that is not legally associated with me I requested documentation verifying the accuracy of each item. To date, TransUnion has failed to provide any response or correction, which violates their obligations under the Fair Credit Reporting Act ( FCRA ). 

I am requesting : Deletion or correction of all inaccurate accounts Removal of all unauthorized hard inquiries Correction of the name variation Written confirmation of all actions taken My USPS Certified Mail receipt from XX/XX/2025 is uploaded as proof of formal dispute

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 2025-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
In 2024, I entered into a lease with XXXX XXXX XXXX, using XXXX XXXX deposit coverage program instead of a traditional security deposit. I paid {$1600.00} at move-in. 

After I moved out, a claim for {$1700.00} was approved and paid by XXXX XXXX to XXXXXXXX XXXX , covering apartment damages and amenity fees. I am actively repaying this amount directly to XXXX XXXX, with {$600.00} already paid and another {$600.00} scheduled. 

Despite this, XXXX sent me to collections for the same amount that was already paid. This creates a situation where I am being charged twice for the same debtonce through repayment to XXXX XXXX, and again through an active collections agency. 

I am requesting XXXX XXXX  : Confirm to me in writing that the claim was paid, Contact XXXX  to correct their error and withdraw the collections action, Ensure that my repayment record is protected from any negative credit reporting caused by XXXX duplicate action. 

This matter is extremely stressful and unfair, especially considering that Ive cooperated fully and have made every effort to repay responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please proceed with blocking and removing the unauthorized accounts currently appearing on my credit report. I did not initiate these accounts and have no knowledge of where they came from. Under USC 1681g, I am requesting their removal within the next 15 days. Ive included the necessary documents for your review. Additionally, the information reported about these accounts varies and is inconsistent across the credit bureaus.

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 2025-06-11 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
SELF FINANCIAL/ATLANT Account number XXXX Account type Secured Card Status Account charged off. {$170.00} written off. {$170.00} past due as of XXXXXXXX XXXX. 
Address XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX How can there be a charge off on a secured card? Please provide an explanation and promptly remove this ridiculous account from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( BANK OF AMERICA ) 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

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding significant violations by the credit reporting agencies related to my credit reports. The CFPB has jurisdiction over this matter pursuant to its authority under the XXXX XXXX XXXX Reform and Consumer Protection Act, 12 U.S.C. 5481 et seq., which grants the CFPB the power to enforce federal consumer financial laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to address unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions and credit reporting agencies. Below is a detailed summary of the issues, including specific violations of federal laws : Violations by Credit Reporting Agencies 1. Failure to Conduct a Reasonable Investigation : - I disputed inaccurate late payments reported by XXXX with all three major credit reporting agencies ( Equifax, Experian, and TransUnion ). - Despite providing evidence, including proof of a {$9000.00} refund from XXXX, the agencies failed to conduct a reasonable investigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA. 2. Re-Insertion of Inaccurate Information Without Notification : - TransUnion, and Experian deleted the XXXX account from my credit report twice but re-inserted it without notifying me in writing, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA. - Similarly, TransUnion, Experian, and Equifax reinserted a fraudulent account from XXXX XXXX after I disputed it and provided evidence of its inaccuracy. This reinsertion without proper verification or notice is a clear violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 3. Failure to Ensure Accuracy of Credit Reports : - All credit reporting agencies continued to report inaccurate late payments despite my disputes and evidence proving the inaccuracies. - This constitutes a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure the maximum possible accuracy of consumer credit reports. 4. Ignoring FTC Fraud Report and Disputes : - I filed an FTC fraud report and submitted 10 separate disputes regarding inaccuracies related to XXXX 's, and XXXX accounts. The credit reporting agencies ignored these disputes and failed to take corrective action to remove the inaccurate information from my credit report. - Additionally, the agencies failed to provide the information I requested regarding their investigation of Discovers violations, further compounding the harm caused by the inaccurate reporting. Impact of Violations - These violations have caused significant harm, including : - Damage to my credit score, which has affected my ability to secure loans and favorable interest rates. - Emotional distress and frustration from the prolonged and unresolved disputes.

Company response to consumer: Closed with non-monetary relief