vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: OR

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXXXXXX XXXX Balance : {$0.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: OR

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXXXXXX XXXX Balance : {$0.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-21 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:
Executor Letter of Identity Theft and Demand for Removal of Fraudulent Account From the Office of the Executor : Estate of XXXX XXXX XXXX Mailing Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX : XXXX | MID : XXXX Date : XX/XX/2025 TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX NOTICE OF FRAUDULENT ACCOUNT AND DEMAND FOR PERMANENT REMOVAL Re : XXXX XXXXccount ( Unknown & Unauthorized ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I, the undersigned, am the duly authorized Executor of the Estate of XXXX XXXX XXXX, and do XXXX XXXX this formal notice of identity theft, account fraud, and unlawful credit furnishing by your institution or affiliated agencies. 

Upon review of the consumer credit reports maintained by TransUnion, XXXX, and XXXX, an account identified as : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  card account Status : Open | Reporting monthly | Damaging utilization and account history is currently being reported under the Estate of XXXX XXXX XXXX without authorization XXXX XXXX, consent, or contractual agreement. 


DECLARATION OF FRAUD No application was submitted to XXXX XXXX XXXX XXXX Executor or the Estate. 
No contract exists between the reporting entity and the XXXX. 
No disclosures, terms, card delivery, or activation were ever received. 
This account is entirely unknown, fraudulent, and in error. 

The attached FTC Identity Theft Report, along with screenshots and sworn declarations, provides conclusive evidence that this tradeline is fraudulent and should be removed immediately in compliance with federal law. 


FEDERAL VIOLATIONS INVOKED You are hereby placed on legal notice of the following applicable statutes : FCRA XXXX ( a ) : Duty to block identity theft items upon proper notice FCRA XXXX ( a ) ( XXXX ) : Duty to furnish accurate information FCRA XXXX : Duty to reinvestigate disputed information within XXXX  days XXXX  XXXX : Failure to provide any lawful disclosures for contract formation XXXX XXXX : Prohibited unfair or deceptive practices ( UDAAP ) FDCPA XXXX, XXXX : If attempted to collect without verification Failure to comply XXXX result in further complaints to : The Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX Federal Trade Commission ( FTC XXXX XXXX Michigan Attorney General And XXXX enforcement under FCRA XXXX You are XXXX held liable for all resulting damages caused to the Estate. 

All rights reserved under XXXX XXXX and XXXX. 

Respectfully, XXXX XXXX XXXX, Executor of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 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 2025-07-21 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: MI

Complaint narrative:
Executor Letter of Identity Theft and Demand for Removal of Fraudulent Account From the Office of the Executor : Estate of XXXX XXXX XXXX Mailing Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX : XXXX | MID : XXXX Date : XX/XX/year> TO : The Bank of Missouri XXXX XXXX )/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX NOTICE OF FRAUDULENT ACCOUNT AND DEMAND FOR PERMANENT REMOVAL Re XXXX XXXX  Account ( Unknown & Unauthorized ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I, the undersigned, am the duly authorized Executor of the Estate of XXXX XXXX XXXX, and do XXXX XXXX this formal notice of identity theft, account fraud, and unlawful credit furnishing by your institution or affiliated agencies. 

Upon review of the consumer credit reports maintained by XXXX, Experian, and XXXX, an account identified as : XXXX  The Bank of Missouri / XXXX XXXX XXXX XXXX XXXX XXXX XXXX  card account Status : Open | Reporting monthly | Damaging utilization and account history is currently being reported under the Estate of XXXX XXXX XXXX without authorization XXXX XXXX, consent, or contractual agreement. 


DECLARATION OF FRAUD No application was submitted to XXXX XXXX XXXX XXXX Executor or the Estate. 
No contract exists between the reporting entity and the XXXX. 
No disclosures, terms, card delivery, or activation were ever received. 
This account is entirely unknown, fraudulent, and in error. 

The attached FTC Identity Theft Report, along with screenshots and sworn declarations, provides conclusive evidence that this tradeline is fraudulent and should be removed immediately in compliance with federal law. 


FEDERAL VIOLATIONS INVOKED You are hereby placed on legal notice of the following applicable statutes : FCRA XXXX ( a ) : Duty to block identity theft items upon proper notice FCRA XXXX ( a ) ( XXXX ) : Duty to furnish accurate information FCRA XXXX : Duty to reinvestigate disputed information within XXXX  days XXXX  XXXX : Failure to provide any lawful disclosures for contract formation XXXX XXXX : Prohibited unfair or deceptive practices ( UDAAP ) FDCPA XXXX, XXXX : If attempted to collect without verification Failure to comply XXXX result in further complaints to : The Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX Federal Trade Commission ( FTC XXXX XXXX Michigan Attorney General And XXXX enforcement under FCRA XXXX You are XXXX held liable for all resulting damages caused to the Estate. 

All rights reserved under XXXX XXXX and XXXX. 

Respectfully, XXXX XXXX XXXX, Executor of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 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 2025-07-21 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:
Executor Letter of Identity Theft and Demand for Removal of Fraudulent Account From the Office of the Executor : Estate of XXXX XXXX XXXX Mailing Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MI XXXX XXXX XXXX : XXXX | MID : XXXX Date : XX/XX/year> TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX NOTICE OF FRAUDULENT ACCOUNT AND DEMAND FOR PERMANENT REMOVAL Re : XXXX Account ( Unknown & Unauthorized ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I, the undersigned, am the duly authorized Executor of the Estate of XXXX XXXX XXXX, and do XXXX XXXX this formal notice of identity theft, account fraud, and unlawful credit furnishing by your institution or affiliated agencies. 

Upon review of the consumer credit reports maintained by XXXX, XXXX, and Equifax, an account identified as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card account Status : Open | Reporting monthly | Damaging utilization and account history is currently being reported under the Estate of XXXX XXXX XXXX without authorization XXXX XXXX, consent, or contractual agreement. 


DECLARATION OF FRAUD No application was submitted to XXXX XXXX XXXX XXXX Executor or the Estate. 
No contract exists between the reporting entity and the XXXX. 
No disclosures, terms, card delivery, or activation were ever received. 
This account is entirely unknown, fraudulent, and in error. 

The attached FTC Identity Theft Report, along with screenshots and sworn declarations, provides conclusive evidence that this tradeline is fraudulent and should be removed immediately in compliance with federal law. 


FEDERAL VIOLATIONS INVOKED You are hereby placed on legal notice of the following applicable statutes : FCRA XXXX ( a ) : Duty to block identity theft items upon proper notice FCRA XXXX ( a ) ( XXXX ) : Duty to furnish accurate information FCRA XXXX : Duty to reinvestigate disputed information within XXXX  days XXXX  XXXX : Failure to provide any lawful disclosures for contract formation XXXX XXXX : Prohibited unfair or deceptive practices ( UDAAP ) FDCPA XXXX, XXXX : If attempted to collect without verification Failure to comply XXXX result in further complaints to : The Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX Federal Trade Commission ( FTC XXXX XXXX Michigan Attorney General And XXXX enforcement under FCRA XXXX You are XXXX held liable for all resulting damages caused to the Estate. 

All rights reserved under XXXX XXXX and XXXX. 

Respectfully, XXXX XXXX XXXX, Executor of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: MN

Complaint narrative:
On XX/XX/XXXX, my friend XXXX XXXX sent me a total sum of {$3000.00} for my health care and discover bank hold the money when I tried to transfer, ever since then I called everyday and up till they didnt close my account and they didnt release my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I contact Exeter Finance company several times within the year. Each time denied the incorrect reporting.

The customer service agent did t complete deferred payment application accurately in which cause car payment status as 30days late. I had 7 extension payments on my loan along with Covid Cares Act 2022. Exeter finance is falsely reporting 15missed payment over 120 days even though I made arrange and extensions on the account.

During Covid in 2022 Cares Act applied to my auto loan. Exeter finance didnt properly report theses payments.

Heres my letter on XX/XX/XXXX : Credit Report Dispute Request for Investigatio To Whom It May Concern, I am writing to formally dispute the following item ( s ) on my credit report. The information listed is inaccurate and does not reflect my true credit history. I am requesting that the item ( s ) be investigated and corrected or removed in accordance with the Fair Credit Reporting Act.

Disputed Item Details : Creditor Name : Exeter Finance Account Number : [ Insert account number Type of Error : Incorrect late payment Reason for Dispute : CARES ACT COVID 2022 & DEFERRED PAYMENTS Payment ( 7 ) extension to end of contract Payment paid on time as agreed & remove all late days from credit report Dates XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX  & Refuses to reveres any late fees. 
Reporting my extension payments as late including Data breach as well has other credit on my file in which cause me not to receive the job offer.

15USC 1662 a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount.

15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to formally raise a dispute regarding a transaction made on XX/XX/year>, using my Apple Card for the amount of {$430.00}. The items associated with this purchase were lost in transit, and I initiated a dispute with the Apple Card team around XX/XX/year>. 

Throughout the process, I was repeatedly asked to provide documentation, including proof of contact with the shipper and a lost package notification from the carrier. Despite submitting all requested documentation, the dispute was repeatedly overlooked, and no thorough investigation was conducted.

I spent numerous hours explaining the issue via phone and chat with the XXXX XXXX team. Unfortunately, the dispute was closed erroneously three separate times, without proper resolution. These interactions continued through XX/XX/year>, after which I was left with no choice but to abandon further attempts for resolution as I was tired.

I am now raising this matter here in the hope of a fair review and resolution. I have attached a single file containing all relevant documents and evidence to support my claim.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: WI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2025-07-21 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: TN

Complaint narrative:
I am filing a complaint formally dispute certain potentially fraudulent information that appears on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute any information that is incomplete, or unverifiable. 
Upon reviewing my credit report, I noticed the following items that I believe are being reported in error and/or are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TN

Complaint narrative:
I am filing a complaint formally dispute certain potentially fraudulent information that appears on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute any information that is incomplete, or unverifiable. 
Upon reviewing my credit report, I noticed the following items that I believe are being reported in error and/or are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/year>, there was a {$1200.00} fraudulent transaction on my Bank of America virtual card. I did not authorize the charge, and the merchant is fake or nonexistent when you search for it online. I reported the fraud to Bank of America, but they denied my claim multiple times without a proper investigation. They told me that the fraud must have been legitimate because the person who used the card had the PIN number. I have never shared my PIN with anyone and dont know how it could have been accessed. They have not provided any actual evidence that I authorized the transaction.

This denial has caused significant financial hardship. My checking account has been overdrawn by {$700.00} since the fraud, and my credit card is behind because of the domino effect from this incident. Bank of America did not support me or follow a proper review process as required by Regulation E. I would like this complaint investigated, the fraud properly reconsidered, and the balance resolved.

I am now in the process of relocating and struggling to catch up financially. This issue needs urgent review.

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