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 — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It XXXX Concern, I am filing a complaint against Experian, TransUnion, and Equifax for failing to remove an invalid XXXX account ( Account # : XXXX ) from my credit file, despite multiple disputes since XX/XX/XXXX and clear evidence of inaccuracies. 

Since XX/XX/XXXX, I have been disputing this account, which incorrectly reports my name as a variation that is not mine, instead of my correct name, XXXX XXXX. I sent separate certified mail disputes to Experian, TransUnion, and Equifax, each including : Proof of my identity with a government-issued ID Copies of credit reports highlighting the incorrect account details A detailed explanation of the errors, including the wrong name and other false information Despite these repeated efforts, the credit bureaus have taken no meaningful action. I also sent a dispute to XXXX XXXX which they received on XX/XX/XXXX, via certified mail. Their response, dated XX/XX/XXXX, stated the account was sold to another entity and they could not assist further. However, XXXX continues to furnish inaccurate data to the credit bureaus, and Experian, TransUnion, and Equifax continue to report this account on my credit file, causing ongoing financial harm. 

This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure to correct or delete inaccurate information Key Issues : The account reports an incorrect name instead of XXXX XXXX XXXX confirmed the account was sold, yet it remains on my credit reports I have provided all required documentation multiple times since XX/XX/XXXX The credit bureaus have ignored my disputes I have filed a related complaint with the FDIC against XXXX I demand that Experian, TransUnion, and Equifax : Permanently remove the XXXX account ( XXXX ) from my credit reports Cease reporting inaccurate or unverifiable information Provide written confirmation of the removal If this account is not removed immediately, I will pursue legal action under the FCRA for compensatory and punitive damages due to willful and negligent noncompliance, which has damaged my credit for nearly a year. 

I can provide copies of certified mail receipts, dispute letters, XXXX response, and credit report excerpts if needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: DE

Complaint narrative:
Velocity Investments reported a debt I disputed. On XX/XX/year>, they responded to my prior CFPB complaint, claiming they closed the account in good faith and dont report tradelines, yet a negative tradeline remains on my credit reports ( XXXX XXXX XXXX XXXX ). This persisted despite their investigation and sent verification. The ongoing negative mark, likely a charge-off or late payment, was not removed. [ Last action : XX/XX/year> ] This has harmed my credit, causing loan denials and higher interest rates.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been in contact with all 3 credit bureaus and have disputed information including several credit cards, phone numbers and have placed fraud and freezes that have been reversed because my husband takes over every account login. He has access to my emails through aliases or he has changed the user names on all of my accounts and then the password. He has taken over Bank of America and has debit cards in my name and a Bank of America customized cash in his name. He has taken over every single account in my name leaving me no access. XXXXXXXX XXXX, XXXX XXXX, XXXX  XXXX and Im positive there are others.

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: IL

Complaint narrative:
Let me be unequivocal : this is a valid and substantiated complaint. My credit report contains inaccurate information that clearly violates the legal standard of maximum possible accuracy. These errors are inflicting ongoing and significant harm to both my financial standing and personal well-being. The consequences are severe and increasingly difficult to endure. Given the seriousness of this situation, the correction or removal of these inaccuracies is not merely helpfulit is absolutely critical and must be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Caine & Weiner and XXXX  for violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

A collection account from Caine & Weiner has been reported on my XXXX  credit report without providing me with the legally required validation notice or disclosures prior to its appearance on my consumer file. This collection was added without my knowledge, consent, or any attempt to verify its legitimacy, in direct violation of federal law. 



Legal Violations : 1. Violation of FDCPA 15 U.S.C. 1692g ( Validation of Debts ) Caine & Weiner failed to send me a written notice within five days of initially placing the debt for collection, as required by 15 U.S.C. 1692g ( a ). I was not given the opportunity to validate or dispute the debt before they reported it to XXXX.

2. Violation of FCRA 15 U.S.C. 1681e ( b ) ( Accuracy of Reported Information ) XXXX  is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information it includes in consumer reports. Reporting a collection account that was never properly validated or disclosed violates this standard.

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: TX

Complaint narrative:
I have been in contact with all 3 credit bureaus and have disputed information including several credit cards, phone numbers and have placed fraud and freezes that have been reversed because my husband takes over every account login. He has access to my emails through aliases or he has changed the user names on all of my accounts and then the password. He has taken over XXXX XXXX XXXXXXXX and has debit cards in my name and a XXXX XXXXXXXX XXXX customized cash in his name. He has taken over every single account in my name leaving me no access. XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX and Im positive there are others.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been in contact with all 3 credit bureaus and have disputed information including several credit cards, phone numbers and have placed fraud and freezes that have been reversed because my husband takes over every account login. He has access to my emails through aliases or he has changed the user names on all of my accounts and then the password. He has taken over Bank of America and has debit cards in my name and a Bank of America customized cash in his name. He has taken over every single account in my name leaving me no access. XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Im positive there are others.

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 2025-06-09 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: OH

Complaint narrative:
This is a formal and legitimate complaint demanding immediate corrective action. My credit report contains clearly inaccurate information that fails to meet the legally mandated standard of maximum possible accuracy. These inaccuracies are causing severe and continuous harm to my financial reputation and personal well-being. I require an immediate and thorough investigation, with all false or unverifiable entries corrected or permanently removed without delay. This matter must be resolved immediately any failure to act will be unacceptable and subject to further escalation.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity

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: TX

Complaint narrative:
A ( XXXX XXXXXXXX XXXX XXXXXXXX ) account in the- {$1700.00} was added to my credit profile. This account does not belong 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 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:
A ( XXXX XXXXXXXX XXXX XXXXXXXX ) account in the- {$1700.00} was added to my credit profile. This account does not belong 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 explanation
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I am a victim of identity theft and data breach which resulted in unknown and unauthorized inquires on my credit report. I am asking for them to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: EQUIFAX, INC.
State: MI

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: MI

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ID AND XXXX IS ATTACHED HERE PLUS XXXX  REPORT I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 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 Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Maybe Bank of America can help me figure out what's going on. The payment I scheduled that Bank of America confirmed never get 's processed, it rolls over and Bank of America gives no response for 16 days until the new larger payment can be processed against my wishes while I'm locked out of the account. Afterwards, Bank of America refuses to respond with anything but the seemingly preplanned excuse of XXXX XXXX XXXX XXXX XXXX XXXX week returned payment, but only after waiting another week. If you can't cancel them then who? It clearly doesn't matter, I didn't document exactly when I lost access and when it reset itself for a reason, any excuse will do. Given the choice between helping a customer with legitimate documented issues help or ignoring them and making them angry you chose the later. But were willing to respond immediately if it sounded like he was getting angry. XXXX banks refuse to tell me which transactions were keyed manually on my card ( XXXX ), XXXX of them provides it standard on their dashboard and it was hundreds, but they locked me out. XXXX of them still currently refuse to help me access a transaction history, after the first XXXX tried and failed to confuse me with case numbers. They clearly have no intention of stopping any time soon. So just how low is the bar? What would it take, or it doesn't matter, you just can? Also, I did sign up for your lower payment program, I do understand FedEx likes all my cards being full but I would appreciate it if I could get help with that.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed an AMEX charge-off ( acct ending XXXX ) with Equifax. On XX/XX/year>, they marked it " updated '' without removing the negative item. I called Equifax and was told the info was verified by XXXX, but they could not provide any documentation or explain how it was verified. Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I requested the method of verification, but Equifax failed to give the name, contact info, or docs from the furnisher. Im requesting deletion if they can not prove verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with XXXX XXXX of the Fair Credit Reporting Act.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief