vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX RE : Formal Complaint and Dispute of Inaccurate and Inconsistent Reporting - XXXX  Account Account Numbers : - TransUnion : XXXX * * * * - Experian : XXXX * * * * - Equifax : XXXX * * * * Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally report multiple violations of the Fair Credit Reporting Act ( XXXX  ) and XXXX XXXX compliance standards concerning the above-referenced account appearing on my credit reports from TransUnion, Experian, and Equifax. 
Upon careful inspection, I found multiple inconsistencies and inaccuracies across the credit reporting agencies ( CRAs ) which have not been corrected. These include : XXXX. Inconsistent Account Status - TransUnion reports the account as Closed. 
- Experian reports the account as Paid.

- Equifax reports the account as Open. 
These discrepancies violate XXXX XXXX guidelines that require consistent account status reporting across all CRAs. 
XXXX. Inaccurate Payment History - TransUnion and Experian show XXXX late payments in XXXX and XX/XX/XXXX despite showing {$0.00} balances and closed accounts by XX/XX/XXXX. 
- Equifax reports a {$490.00} balance and XXXX delinquency, contradicting the other agencies. 
This violates FCRA Section XXXX ( a ), which prohibits reporting of inaccurate or unverifiable information. 
XXXX. Inconsistent Terms and Balances - TransUnion lists Date Opened as XX/XX/XXXX while Experian and Equifax list XX/XX/XXXX. 
- TransUnion and Experian list XXXX terms ; Equifax lists 0 months. 
- Equifax still reports a {$490.00} balance while the others report {$0.00}. 
These discrepancies violate FCRA Section XXXX ( b ) and XXXX XXXX guidelines for accuracy and uniformity. 
XXXX. Conflicting Payment Statuses and Comments - TransUnion : " Closed '' and " Current '' - a contradiction. 
- Experian omits comments but lists " Current ''. 
- Equifax : " Open '', " Late 60 Days '', and " Secured Fixed Rate '' simultaneously.

This misreporting violates FCRA Section XXXX ( b ), which mandates the highest level of accuracy in reporting. 
Requested Action : I respectfully request the CFPB investigate this matter and compel the data furnishers and CRAs to correct or delete any inaccurate, inconsistent, or unverifiable information. I have made good-faith efforts to resolve this through the credit bureaus, and am now escalating due to noncompliance. 
Attached are supporting documents including : - A copy of my government-issued ID - A recent utility bill for identity verification - Screenshots and excerpts from the credit report showing the discrepancies Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX someone made an unauthorized purchase and apparently they had an exact card with a chip reader compared to the card I physically had on me. I contacted XXXX XXXX which is located at XXXX XXXX XXXX XXXX XXXX Minnesota XXXX and they said their cameras were down. I was issued a temporary credit from Capital One Bank XX/XX/year> but then this credit was taken away on XX/XX/XXXX, regardless of me not authorizing the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX  ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : XXXX. ACCOUNT DETAILS : Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXX. ACCOUNT DETAILS : Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Transunion, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy.

I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action.

Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Over the past year, numerous unauthorized hard inquiries and fraudulent credit accounts have appeared on my credit reports, despite my identity being frozen and multiple disputes filed. I am the documented victim of identity theft, and these accounts and inquiries were initiated without my consent, authorization, or knowledge. 

On XX/XX/year>, I filed an FTC Identity Theft Report ( # XXXX ) and a police report with the XXXX XXXX XXXX XXXX XXXX ( # XXXX ). These were properly submitted to the credit bureaus under FCRA 605B ( 15 U.S.C. 1681c-2 ), which legally requires credit bureaus to block fraudulent data within XXXX ( XXXX ) business days upon receipt of such documentation. 

Despite full legal compliance on my part, the following fraudulent accounts remain : XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX {$4500.00} XXXX XXXX {$320.00} Additionally, the following unauthorized hard inquiries remain and must be deleted immediately : 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 Bank NOTE : The only legitimate hard inquiry on my report is from XXXX XXXX XXXX XXXX XXXX TransUnion. All other inquiries on all bureaus are fraudulent and must be removed without delay. 

Your failure to remove this fraudulent data in compliance with FCRA 605B, and your continued reporting of known identity theft items, constitutes willful noncompliance and opens your organization to civil liability under FCRA 616 and 617, including but not limited to : Statutory damages Actual damages Punitive damages Attorneys fees This letter constitutes a formal legal demand for : Immediate removal of all fraudulent accounts Permanent deletion of all unauthorized inquiries Written confirmation of compliance Failure to act within XXXX ( XXXX ) business days will result in regulatory complaints filed with the CFPB, FTC, Texas Attorney General, and may result in civil litigation for statutory violations and financial harm. 

This is not a request it is a final legal notice. You are on record and on notice.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Over the past year, numerous unauthorized hard inquiries and fraudulent credit accounts have appeared on my credit reports, despite my identity being frozen and multiple disputes filed. I am the documented victim of identity theft, and these accounts and inquiries were initiated without my consent, authorization, or knowledge. 

On XX/XX/year>, I filed an FTC Identity Theft Report ( # XXXX ) and a police report with the XXXX XXXX XXXX XXXX XXXX ( # XXXX ). These were properly submitted to the credit bureaus under FCRA 605B ( 15 U.S.C. 1681c-2 ), which legally requires credit bureaus to block fraudulent data within XXXX ( XXXX ) business days upon receipt of such documentation. 

Despite full legal compliance on my part, the following fraudulent accounts remain : XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX {$4500.00} XXXX XXXX {$320.00} Additionally, the following unauthorized hard inquiries remain and must be deleted immediately : 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 Bank NOTE : The only legitimate hard inquiry on my report is from XXXX XXXX XXXX XXXX XXXX TransUnion. All other inquiries on all bureaus are fraudulent and must be removed without delay. 

Your failure to remove this fraudulent data in compliance with FCRA 605B, and your continued reporting of known identity theft items, constitutes willful noncompliance and opens your organization to civil liability under FCRA 616 and 617, including but not limited to : Statutory damages Actual damages Punitive damages Attorneys fees This letter constitutes a formal legal demand for : Immediate removal of all fraudulent accounts Permanent deletion of all unauthorized inquiries Written confirmation of compliance Failure to act within XXXX ( XXXX ) business days will result in regulatory complaints filed with the CFPB, FTC, Texas Attorney General, and may result in civil litigation for statutory violations and financial harm. 

This is not a request it is a final legal notice. You are on record and on notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: PA

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-07-02 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: PA

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-07-02 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
XXXX ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ACCOUNTS : 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 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 explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was being victimized by a fraud. A banker of Bank of America gave a number but they couldnt help me.

Below, this is the description of my issue : Recently, I was in touch with a potential employer, they sent me a e-copy of a check that I had to deposit into my account. At first, everything looked fined but then after I wired the money to the other organization like they asked because they told that this transaction was about to get my equipment chipped for the virtual job. Now, I realized that my account went negative and when I called the bank, they told me that the check didnt go through even though I saw the money was available into my account. I think I was a victim of a fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am filing this complaint because XXXX is reporting an account closure by XXXX XXXX XXXXXXXX that is inaccurate and damaging to my banking history. 

The account was closed by XXXX XXXX  XXXX with no negative balance, no loss to the bank, and no fraudulent activity. The funds were returned to me in full, and the account was settled. 

I have disputed this record with XXXX  and provided documentation showing that there was no wrongdoing or debt. However, XXXX has refused to remove the negative information. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the deletion of this inaccurate or unverifiable information. The reporting is misleading and prevents me from opening new bank accounts. 

I am requesting that the CFPB investigate this matter and require XXXX to remove or correct this record immediately. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XX/XX/XXXX our hole city burned down in a wildfire and since then it has been declared a XXXX disaster zone. My insurance company, released a check for the main house to me and Freedom Mortgage, so I can start the rebuild process. 

On XX/XX/XXXX, Freedom mortgage received my insurance claim check and on XX/XX/XXXX they deposited it into a restricted escrow account. On XX/XX/XXXX there is a notice in their system that a check was requested and that it will be mailed to me overnight in XXXX business days. I was not provided the XXXX tracking number. The insurance check was $ XXXX, which is more than double the outstanding mortgage amount. Freedom mortgage informed, that they will issue the overage amount check for $ XXXX to me. At the time my mortgage balance was around $ XXXX. My mortgage is current and has never been in default. 


On XX/XX/XXXX I notified Freedom Mortgage that I haven't received the check. They stated that it was returned to them. According to them it was mailed to the address where the loss occurred. The whole city is burned to the ground, they had my new mailing address on file. The representative informed me that she checked in their mailing room and that the check has been returned and will be mailed to the correct address the following day. 

Since then, I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today on XX/XX/XXXX. Every time I get a different story about the check. Sometimes they say that the check has been returned to them and they will mail it back, other times that they don't have it. On XX/XX/XXXX I was given a XXXX tracking code, as a distraction tactic, because they never even mailed it. On XX/XX/XXXX, I was given the same code again, but nothing was mailed. Today on XX/XX/XXXX the representative gave me wrong information numerous times : that the check is being mailed by tomorrow, when I insisted that it's the same story from before, he then changed it that it hasn't been mailed, but will be soon, but he can't say when. When further prompted, he said that it will be another XXXX business days to mail the check. The company is not acting in good faith, and I can not start the rebuild process because they are holding the funds. Their online system does not even show that the check from XX/XX/XXXX was ever mailed. 

I need them to resolve this and overnight me the overage check, which they said they did multiple times and they haven't. The UPS tracking number that I was given several times since XX/XX/XXXX was XXXX. XXXX doesn't not have the package.

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