vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I am submitting this complaint to formally dispute several items reported on my credit file that are inaccurate, unauthorized, or unverifiable. These errors are affecting my credit standing and do not reflect my true financial activity. 

Upon reviewing my credit report, I discovered XXXX addresses that are completely unfamiliar and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at either of these addresses, nor have I ever used them in connection with any financial or legal account. The only accurate and valid address associated with me is : XXXX XXXX XXXX XXXX, XXXX, GA XXXX These inaccurate addresses could lead to identity confusion or misattributed accounts. Under FCRA 609 ( a ) ( 1 ) and FCRA 602 ( A ), consumer reporting agencies must ensure the information in my file is accurate, and I have a right to know and dispute any incorrect identifying data. I formally request that these two addresses be removed from my credit file immediately. 

My credit report also contains a charge-off from XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) in the amount of {$460.00}, with a listed " Date Last Active '' of XX/XX/XXXX. 

I have never opened or used any XXXX account tied to this account number. Additionally, the date last active is not consistent across all credit bureaus, which raises further questions about the accuracy and validity of this entry.

Per FCRA 607 ( b ), consumer reporting agencies must use reasonable procedures to ensure maximum possible accuracy. Inconsistent reporting and unverifiable debts violate this responsibility. Under FCRA 611, I have a right to dispute any such information and require a full reinvestigation. I also refer to FCRA 602 ( A ), which supports fair and equitable treatment of consumers.

Unless XXXX  or the credit bureau can provide documentation verifying that this account belongs to me ( including account agreements and matching identifying data ), I request the immediate deletion of this charge-off.

There are two hard inquiries listed on my credit report that I did not authorize and have no record of initiating : XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not apply for credit with either of these entities, nor did I give permission for them to access my credit file. 

Under FCRA 604 ( a ) ( 3 ), consumer reporting agencies may only furnish a credit report for a permissible purpose, and FCRA 605A gives me the right to block any unauthorized or fraudulent inquiries. Additionally, FCRA 615 ensures that I must be notified of any adverse actions or access related to my credit report. These inquiries are unauthorized and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I am submitting this complaint to formally dispute several items reported on my credit file that are inaccurate, unauthorized, or unverifiable. These errors are affecting my credit standing and do not reflect my true financial activity. 

Upon reviewing my credit report, I discovered XXXX addresses that are completely unfamiliar and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at either of these addresses, nor have I ever used them in connection with any financial or legal account. The only accurate and valid address associated with me is : XXXX XXXX XXXX XXXX, XXXX, GA XXXX These inaccurate addresses could lead to identity confusion or misattributed accounts. Under FCRA 609 ( a ) ( 1 ) and FCRA 602 ( A ), consumer reporting agencies must ensure the information in my file is accurate, and I have a right to know and dispute any incorrect identifying data. I formally request that these two addresses be removed from my credit file immediately. 

My credit report also contains a charge-off from XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) in the amount of {$460.00}, with a listed " Date Last Active '' of XX/XX/XXXX. 

I have never opened or used any XXXX account tied to this account number. Additionally, the date last active is not consistent across all credit bureaus, which raises further questions about the accuracy and validity of this entry.

Per FCRA 607 ( b ), consumer reporting agencies must use reasonable procedures to ensure maximum possible accuracy. Inconsistent reporting and unverifiable debts violate this responsibility. Under FCRA 611, I have a right to dispute any such information and require a full reinvestigation. I also refer to FCRA 602 ( A ), which supports fair and equitable treatment of consumers.

Unless XXXX  or the credit bureau can provide documentation verifying that this account belongs to me ( including account agreements and matching identifying data ), I request the immediate deletion of this charge-off.

There are two hard inquiries listed on my credit report that I did not authorize and have no record of initiating : XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not apply for credit with either of these entities, nor did I give permission for them to access my credit file. 

Under FCRA 604 ( a ) ( 3 ), consumer reporting agencies may only furnish a credit report for a permissible purpose, and FCRA 605A gives me the right to block any unauthorized or fraudulent inquiries. Additionally, FCRA 615 ensures that I must be notified of any adverse actions or access related to my credit report. These inquiries are unauthorized and must 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 explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending this complaint to request the removal of fraudulent accounts from my credit report that without my permissionXXXXXXXX XXXX  continues to report a {$0.00} balance account but lists it in a way that negatively affects my credit profile. Several XXXX  accounts show {$0.00} balances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or small balances ( XXXXXXXX XXXX XXXX XXXX XXXX but they are being reported inaccurately and unfairlyXXXX XXXX is reporting two different accounts with inconsistent balances ( {$710.00} and {$1600.00} ). I believe these accounts are either inaccurately reported, duplicated, or not fully verified.Additionally, XXXX placed a hard inquiry on my credit report dated XX/XX/year> without my authorization or 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 2025-09-04 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: FL

Complaint narrative:
I am sending this complaint to request the removal of fraudulent accounts from my credit report that without my permissionXXXXXXXX XXXX  continues to report a {$0.00} balance account but lists it in a way that negatively affects my credit profile. Several XXXX  accounts show {$0.00} balances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or small balances ( XXXXXXXX XXXX XXXX XXXX XXXX but they are being reported inaccurately and unfairlyXXXX XXXX is reporting two different accounts with inconsistent balances ( {$710.00} and {$1600.00} ). I believe these accounts are either inaccurately reported, duplicated, or not fully verified.Additionally, XXXX placed a hard inquiry on my credit report dated XX/XX/year> without my authorization or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
I am sending this complaint to request the removal of fraudulent accounts from my credit report that without my permissionXXXXXXXX XXXX  continues to report a {$0.00} balance account but lists it in a way that negatively affects my credit profile. Several XXXX  accounts show {$0.00} balances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or small balances ( XXXXXXXX XXXX XXXX XXXX XXXX but they are being reported inaccurately and unfairlyXXXX XXXX is reporting two different accounts with inconsistent balances ( {$710.00} and {$1600.00} ). I believe these accounts are either inaccurately reported, duplicated, or not fully verified.Additionally, XXXX placed a hard inquiry on my credit report dated XX/XX/year> without my authorization or 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 2025-09-04 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00}

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 2025-09-04 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
BoA makes it cumbersome and difficult to pay their cards online. For one of my credit cards, BoA app will not allow me to add thr card as a payee at all. I reached out to BoA via phone and could not get through. I reached out via chat where they gave me an automated number to call in order to pay. I could not pay. I believe they make it difficult to pay in order to delay payments and earn more interest.

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 2025-09-04 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:
I am writing to request that you block from my credit file certain information that I believe is the result of identity theft, as provided under 15 U S C 1681c2 a of the Fair Credit Reporting Act FCRA.

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 2025-09-04 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: FL

Complaint narrative:
This account was charged off on the following date, since then the account has repeatedly been updated as a charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
You failed to investigate this account properly and your neglect violated my rights. I am demanding a deletion of the following accounts :XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-04 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-04 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: TX

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 2025-09-04 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:
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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted Experian to report that false personal information was documented in my report. I requested Experian remove all false names. My legal name is XXXX XXXX XXXX and any other variations is fraud. I also informed Experian that XXXX XXXX XXXX XXXX, XXXX XXXX CAXXXX XXXX XXXX XXXX is a fraudulent address most likely from identity theft and therefore requested it immediately removed. A dispute was filed and I furnished Experian with the correct address, name and phone number. I also requested a copy of the updated report. Experian resolution was to ignore the consumer. They refused to update my personal information and refused to send me an updated 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 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This balance is being reported incorrectly. According to [ my records/ the creditors statements ], the amount shown does not reflect the accurate debt. I request that you investigate I never signed or have a contract with XXXX XXXX XXXX. I do not owe that amount it is inaccurate information. 
Please delete inaccurate information of my credit report it is hurting my ability from obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I reviewed my credit report and noticed inquiries that do not belong to me,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: TN

Complaint narrative:
I had a secure credit card with Self financial. They closed my account for foolish reasons but did not return my deposit. They claimed suspicious activity but nothing has happened and no transactions went through the card. This only happened after I made my payment, Payment was made to clear card before closing and once payment was cleared they closed account and did not refund my deposit that is ALWAYS for a secured card. I contacted multiple people and when I asked they would stop responding or hang up the phone. I have screenshots. I am demanding my deposit back with interest bc this is shady and they are stealing my money. Any secured card is a deposit. I can show where my deposit money from my credit builder was transferred to that card. {$220.00} of that is my money

Company response to consumer: Closed with explanation