vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
XX/XX/year> : Received call from XXXX XXXX XXXX  that they received an application from " me '' but when they pulled my credit, they saw that I had a fraud alert on my reports. I informed them that this was fraud, so they have since removed the inquiry from my report. I immediately put a XXXX on all XXXX credit reports and signed up with XXXX to have a company searching for fraud. 
XX/XX/year> : XXXX tried to verify my identity XXXX XXXX XXXX XXXX A new account was posted onto all XXXX credit reports for an installment loan from XXXX  XXXX XXXX, which is not my account XX/XX/year> : Notified XXXX  XXXX XXXX that this account is fraud and they are currently researching it XX/XX/year> : Filed a police report in XXXX XXXX ( XXXX, XXXX ) for fraud. Police report complaint number : 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 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 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: IA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am disputing a charge-off that Bridgecrest Credit Company is reporting to XXXX. This account is currently part of an open court case ( XXXX XXXX XXXX XXXX XXXX, Georgia Case No. XXXX ), where I am the defendant. Despite this, Bridgecrest reported the account as In Collections/Charge-off and Profit and Loss Write-Off in XX/XX/XXXX. 

I have already disputed this reporting through XXXX  ( XXXX and XX/XX/XXXX ), and submitted a complaint to the Georgia Attorney General. I have also requested documents and information from Bridgecrest through formal legal discovery, but they refused to respond fully. Their continued negative reporting caused me to be denied a loan, which I documented in court as Exhibit T. 

This inaccurate account status has caused credit harm and financial injury. I am requesting that Bridgecrest correct or remove this tradeline while the case is still pending in court and under dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-05-21 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

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 605B 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 2025-05-21 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Submitted fraud report on XX/XX/XXXX for charges occurringXX/XX/XXXX 
Received confirmation from Capital One one XX/XX/XXXX that report was received, credit card was locked and review was underway. All charges were credited back to my account. 
XX/XX/XXXX and XXXX, received notification that there was insufficient evidence of fraud and I would be held responsible for all charges. 
Called Capital One on XX/XX/XXXX and was told that the charges were made with a chip reader and since I have the card in my possession it could not be fraud despite my not having been to most of the business where the charges occurred and could say with certainty that I di not make the purchases reported. There were no further options for dispute. Charges totaled {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth third Bank needs to hold themselves accountable when they make huge mistakes. I need somebody to take me seriously. It's truly simple. Let me break it down as simply as possible. You quote me XXXX year loan the price the interest rate and I expect my payments to be that amount you quoted me over the phone I applied for over the phone. Instead you send the wrong application for the wrong term of 10 years with a much higher payment amount that I could not afford and I did not agree to and I did not request. You send this form to lock this rate to a local branch which I walk into get handed the form. No communication just sign. I sign and go about my day until I notice my payment upcoming much higher {$1400.00} which I could not afford and it overdrafted my account of course because I did not agree to that. Where my issue lies is. I called prior to this payment coming out and I told you it was wrong. I told you that's not what I was told over the phone, but your company likes to gaslight and reassure it's a prorated payment. It looks good on our end. Have a nice day. The wrong payment did indeed come out and it continued to come out for the next couple months even though I kept calling telling them it was wrong. That's not what my payment was scheduled to be. Something is wrong. Nobody would do their job. Finally after XXXX wrong payments and many phone calls later I finally speak to somebody who looks further into the situation. Comes on the line and admits on your phone line, " I see where you requested and applied for XXXX years. However we sent you the XXXX in error by mistake ''. This company closed my prior case saying it's my fault for signing and my payments were just correct as the addendum said. However, it was not correct nor was it the one that I agreed to which is fraud and misrepresentation and I kept trying to change it and they would not which kept prolonging the higher payments again I could not afford nor did I agree to. I hope this was simple so that you guys can fix your error and make it right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am formally disputing information on my credit report that I believe is inaccurate and/or the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute the completeness or accuracy of information furnished to and reported by consumer reporting agencies. Additionally, under 15 U.S.C. 1681c-2, I have the right to block any information resulting from identity theft upon providing an Identity Theft Report. 
I have submitted the required documentation, including identification, proof of address, and a valid Identity Theft Report from the Federal Trade Commission ( FTC ). Despite this, the credit reporting agency has failed to remove or properly investigate the disputed item ( s ) within the legally required timeframe.

I am requesting the CFPBs assistance in ensuring that the consumer reporting agency complies with its legal obligations to conduct a reasonable investigation and/or block fraudulent information in accordance with federal law.

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 2025-05-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report.

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : 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 : XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$100.00}

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 2025-05-21 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: IL

Complaint narrative:
Experian reinserted a previously deleted fraudulent account on my credit report. Under FCRA Section 611 ( a ) ( 5 ) ( B ), they are required to notify me in writing within 5 business days of the reinsertion.

I did not receive any written notice, and when I contacted their fraud department, the representative admitted they could not provide any proof that a reinsertion notice was sent. 

I am a verified identity theft victim and have included my FTC Identity Theft Affidavit, government-issued ID, and proof of address.

I am requesting that Experian : Permanently delete the reinserted account Provide written confirmation of deletion Identify the furnisher that reverified the account This is a violation of federal law, and Im requesting CFPB 's help in enforcing compliance.

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 2025-05-21 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: IL

Complaint narrative:
Transunion XXXX XXXX XXXX XXXXXXXX, PA XXXX Dispute of Hard Inquiries on Credit Report.i have gone over these disputes and was told they will get disputed.but yet they are not doing anything. Telling me I never spoke to them. The customer service is very rude. No communication skills. Accusing me I have never spoke to them. That being said. I am writing to formally dispute certain hard inquiries listed on my TransUnion credit report. I believe that these inquiries were made in error and are negatively impacting my credit score. I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report, and I believe these inquiries fall under that category. Not only that. They have payments on there that report missed late payments. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611, I have the right to dispute inaccurate information in my credit report and request an investigation. I believe these late payments are reported in error, as I have consistently made my payments on time.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing inaccurate information reported by TransUnion on my consumer report regarding the XXXX XXXXXXXX XXXX XXXX account ( XXXX ). Under the Fair Credit Reporting Act, 15 USC 1681 et seq., credit reporting agencies must ensure maximum accuracy and protect consumer privacy. The Act recognizes that fair and accurate reporting is essential to the banking system and public confidence. My payment status for this account is paid as agreed, so there should be no late payment reported. Reporting an erroneous late payment violates my rights under 15 USC 1681a ( 4 ), 1681b ( 2 ), and 1681c-2, which protect my control over information and prohibit unauthorized reporting. Continued inaccurate reporting is willful noncompliance under 15 USC 1681n and 1681o, exposing TransUnion to liability. I demand TransUnion promptly fix this inaccurate late payment information in compliance with the FCRA without deleting the account.

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 2025-05-21 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: TX

Complaint narrative:
Earlier today, I saw some false accounts listed on my credit report, which came as a complete surprise. I perform regular checks, but this time there were unexpected errors. Hoping it was just a temporary issue, I refreshed the page, but the incorrect information remained. Therefore, Im requesting a detailed review of the documents I submitted to resolve this and avoid future concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-21 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: FL

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, that is considered identity theft. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Request for Correction of Inaccurate Personal Information on Credit Reports To : Consumer Financial Protection Bureau ( CFPB ) Submitted via : CFPB Complaint Portal Complaint Details : Dear CFPB, I am writing to formally dispute inaccurate personal information appearing on my credit reports from Equifax, Experian, and TransUnion. Upon reviewing my reports, I found discrepancies that do not match my official records, which could negatively impact my creditworthiness. 

Incorrect Information : [ Describe the specific errorse.g., wrong name variations, outdated addresses, incorrect Social Security number digits, accounts that do not belong to you, etc. ] Correct Information : Full Legal Name : [ Your Name ] Date of Birth : [ MM/DD/YYYY ] Current Address : [ Your Address ] Previous Address ( es ) : [ List if relevant ] Social Security Number : [ Last XXXX digits : XXX-XX-XXXX ] I have already attempted to dispute these errors directly with the credit bureaus [ mention if applicable, e.g., " via their online dispute process on [ date ] '' ], but the inaccuracies persist. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate credit reporting, and the bureaus must correct or remove erroneous data. 

Requested Resolution : XXXX removal or correction of all inaccurate personal information. 

Confirmation in writing once the corrections are made. 

A free updated copy of my credit report reflecting the changes. 

I urge the CFPB to investigate this matter and ensure the credit bureaus comply with federal law. Please contact me at [ Your Phone Number ] or [ Your Email ] if additional information is needed. 

Attachments ( if available ) : Copies of your government-issued ID ( e.g., drivers license ). 

Proof of address ( e.g., utility bill, bank statement ). 

Previous dispute correspondence with the bureaus ( if applicable ). 

Thank you for your assistance in resolving this issue promptly. 

Sincerely,

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