vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
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 2025-06-26 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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
To Whom It May Concern, I am writing as a long-standing and responsible customer of Bank of America since XXXX. I have always used the banks services with integrity and have never been involved in any illegal or unauthorized activity. I am deeply concerned and disappointed with the recent actions taken on my account without clear communication or explanation. 

Last week, I noticed that my XXXX service had been removed from my online banking. I promptly called customer service to report the issue, and a representative confirmed that a case had been opened regarding the deactivation of XXXX. 

On Tuesday, XX/XX/XXXX, I received a call from Bank of America, informing me that my banking services were being blocked. I was told that this action was initiated by a third partyZelleand that I would need to reach out to them directly. However, upon contacting XXXX, they advised me that the issue was on Bank of Americas side. This back-and-forth has caused me great confusion and concern. 

Then, on XX/XX/XXXX, I discovered I could no longer see my checking account balance via online banking. I immediately visited my nearest BOA branch, where I was advised to call the Risk Department. When I contacted the XXXXisk Department, I was told, without any specific explanation, that the bank has the right to close accounts at its discretion and that a check for my remaining balance would be mailed to me.

Surprisingly, I am still able to use my Bank of America credit cards, which adds to the confusion. I again reached out to customer service in an attempt to appeal this decision and request a reason for the closure. During this call, I was vaguely told that the issue might be related to a fraudulent transaction, which I firmly deny having made. 

I am requesting the following : XXXX. A detailed explanation of why my XXXX service was deactivated. 
XXXX. The specific reason my checking account has been closed or suspended. 
XXXX. A formal opportunity to appeal this decision, as I believe I have not violated any policies or conducted any fraudulent activity. 
XXXX. A thorough investigation of the matter, with transparency on any findings. 

I have always conducted my banking in good faith and expect the same respect and fairness in return. I ask that you please escalate this matter and ensure that I am given a chance to understand and, if applicable, resolve any misunderstandings or errors. 

I would appreciate a written response confirming receipt of this complaint and outlining the next steps you will take.

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 2025-06-26 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: DE

Complaint narrative:
Upon reviewing my credit reports from the nationwide credit reporting agencies, I identified entries that appear to be the result of either identity theft, unauthorized inquiries, or outdated negative information that should no longer be reported. 

Violations Cited : 1. 15 U.S.C. 1681c1 ( Fraud Alerts and Identity Theft Protections ) : I have reason to believe that some of the accounts or inquiries on my credit report may be the result of identity theft. I requested a fraud alert be placed on my credit file, yet the alert either was not placed properly, or the credit bureaus failed to follow proper procedures to verify future credit activity. This negligence has allowed further unauthorized access to my credit profile.

2. 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : My credit report reflects inquiries and/or account openings that I did not authorize. According to this statute, a consumer report may only be accessed for specific, permissible purposes. I did not provide written authorization for several of the hard inquiries listed, indicating a clear violation of this provision. 

XXXX XXXX XXXX account number XXXX * * * * has been reporting inaccurate information on my credit report since XX/XX/year> violating statue stated above.

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 2025-06-26 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: DE

Complaint narrative:
Upon reviewing my credit reports from the nationwide credit reporting agencies, I identified entries that appear to be the result of either identity theft, unauthorized inquiries, or outdated negative information that should no longer be reported. 

Violations Cited : 1. 15 U.S.C. 1681c1 ( Fraud Alerts and Identity Theft Protections ) : I have reason to believe that some of the accounts or inquiries on my credit report may be the result of identity theft. I requested a fraud alert be placed on my credit file, yet the alert either was not placed properly, or the credit bureaus failed to follow proper procedures to verify future credit activity. This negligence has allowed further unauthorized access to my credit profile.

2. 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : My credit report reflects inquiries and/or account openings that I did not authorize. According to this statute, a consumer report may only be accessed for specific, permissible purposes. I did not provide written authorization for several of the hard inquiries listed, indicating a clear violation of this provision. 

XXXX XXXX XXXX account number XXXX * * * * has been reporting inaccurate information on my credit report since XX/XX/year> violating statue stated above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I received a letter stating my information was involved in a data breach and not I have 3-4 accounts reporting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts have been reported under my name without my knowledge, consent, or involvement. I have never opened, authorized, or managed them. Their presence on my credit report is unacceptable and constitutes a serious inaccuracy that damages my financial record.

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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-26 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 dispute the accuracy and completeness of the account being reported

by the U.S. Department of Education. This student loan account is reported in collection status, with a past-due balance of {$1800.00}, and contains multiple violations of the Fair Credit Reporting Act ( FCRA ). This account was previously disputed and marked with a consumer dispute code, but that notation is now missing or inconsistently applied in violation of FCRA 623 ( a ) ( 3 ). The FCRA requires that any item under dispute by a consumer must be clearly marked as disputed by consumer during the reinvestigation period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Deceptive Practices/Fraud XXXX made a soft Inquiry on XX/XX/XXXX with Experian. 

Contacted me on XX/XX/XXXX Claiming XXXX credit card accounts were attempting to be opened in XXXX  & was I living in XXXX  or ever lived in XXXX. 

Claimed the company represented XXXX & XXXX XXXX for real reason of call. 

When I questioned the call over an hour long phone call the operator was reading back to me my full credit history. Including social security number & life financial history. 

This shouldn't be allowed to happen! Only reputable financial institutions should have full access to a customers history. 

The purpose of the call was to deceive me into getting interested in a Debt Invalidation program. 

Representative said Banks/Credit Card companies could only charge Us citizens over a certain age XXXX % interest. 

They then transfered me to the Debt Invalidation company called XXXX XXXX who was a little more honest than XXXX From what I can tell This debt invalidation scheme would get me in more financial trouble than I'm already in. 

I XXXX XXXX XXXX, educated but desperate enough with XXXX XXXX that was XXXX  by the XXXX  over the XXXX XXXX XXXX. 

Companies like these XXXX shouldn't be allowed to operate & Experian shouldn't be able to sell an individuals full financial profile including their social security number to any business that can pay the fee. 

Thank you

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-26 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: FL

Complaint narrative:
According to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, email or in a fraudulent account.

I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR REMOVED IMMEDIATELY. 


Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Several companies have accessed my credit report without my authorization, causing direct and significant damage to both my credit standing and credit score. I previously contacted your agency regarding this issue and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored. These inquiries remain, and your agencys continued failure to act is unacceptable. 
The ongoing presence of these unapproved and potentially fraudulent entries is deeply concerning and strongly suggests identity theft. Your negligence in addressing this matter is causing continued emotional distress and tangible financial harm.

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 2025-06-26 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-26 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willf
ul noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief