vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and harmful information being reported by Bank of America to XXXX  under my name, associated with account number ending in XXXX and reported as Account Abuse. This entry is listed as unpaid with a charge-off of {$250.00} and closure date of XX/XX/year>. 

I request that you conduct a full investigation as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, which guarantees consumers the right to dispute inaccurate, incomplete, or unverifiable information. I believe this entry is inaccurate and/or outdated for the following reasons : 1. Lack of clear evidence or documentation : I have not received sufficient documentation from Bank of America that substantiates the claim of account abuse. Vague or broad descriptions without detailed evidence do not meet the standard for fair and accurate reporting.

2. Potential mischaracterization or reporting error : The term account abuse is overly broad and may have been used in error or inappropriately. If this was due to overdraft or transaction issues, it should be categorized appropriatelynot in a way that may imply fraud or intentional wrongdoing without proof.

3. Lack of verification and notification : I was not notified of this reporting or given an opportunity to address or resolve it prior to its submission to XXXX. This may be a violation of the FCRA. 
4. Outdated or resolved account : If this debt has since been resolved, I request that XXXX  update or delete the record to reflect accurate and current information. 

I am requesting that this negative item be either removed or corrected to reflect accurate, verifiable details. If Bank of America can not verify this information within the time allowed under federal law, it must be deleted from my file. 

Please confirm in writing the outcome of your investigation. Attached is a copy of my ID and proof of address for verification. 

Thank you for your time and prompt attention to this matter. I look forward to your resolution.

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 2025-07-07 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:
On XX/XX/year>XXXX  I received an alert from XXXX XXXX stating that my credit changed due to a hard inquiry from XXXX XXXX. I did not authorize or initiate this inquiry, nor did I apply for a line of credit with XXXX XXXX on or around XXXX XXXX. This unauthorized credit inquiry is a clear case of fraud. I have not opened a line of credit or applied for any loans.

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 2025-07-07 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:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens mo XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. Please remove this account before I seek litigation for defamation of character. kikoff balance {$420.00}, Selfinclead Balance {$280.00}, XXXX XXXX Balance {$4900.00}, XXXX  XXXX Balance {$500.00}, XXXX XXXX {$28.00}, Balance {$250.00}, XXXX XXXX Balance {$3100.00}, XXXX XXXX {$120.00}, XXXX XXXX Balance {$120.00}, XXXX XXXX Balance {$7000.00}, XXXX XXXX Balance {$120.00}, XXXX XXXX Balance {$5500.00}, XXXX  Balance {$520.00}, XXXX XXXX {$7.00}, 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 non-monetary relief
Consumer complaint received 2025-07-07 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 kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-07-07 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:
My repeated efforts to correct and remove false information from my credit report have been consistently ignored or denied. As a consumer, Im fully aware of my rights under the law, and the inaccurate reporting currently reflected on my credit file violates the requirement for maximum possible accuracy. 

These errors are not just numbersthey are causing real harm to my credit score and creating unnecessary obstacles in my life.

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 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXX XXXX XXXX XXXX, MI XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} 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 2025-07-07 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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 a victim of identity theft. There are several open credit cards and utility bills on my 3 reporting bureaus I have never gave anyone permission or authorization to open any of these accounts. My personal information was exposed and used without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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

Complaint narrative:
This is now my third formal identity theft dispute submitted to TransUnion under FCRA 605B. 

First dispute : XX/XX/XXXXXXXX  Second dispute : XX/XX/XXXXXXXX  Todays date : XX/XX/XXXXXXXX  In both prior submissions, I included a complete and valid identity theft packet : FTC Identity Theft Report Government-issued ID Proof of current address A credit report clearly identifying the disputed items Despite receiving two valid 605B disputes, TransUnion has failed to comply with the law. The following items were disputed in both previous rounds : Fraudulent hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent account : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX In their prior response, TransUnion claimed to have removed some of the inquiries. This was false. As of today, all of the disputed inquiries are still present on my updated credit report. 

Additionally, TransUnion verified the XXXX XXXX  account as accurate, instead of blocking it as required by 605B. This is blatant noncompliance with federal law. Under 605B, the agency must block identity theft-related information within 4 business days of receiving a complete request. TransUnion has repeatedly failed to do so. 

Their conduct violates : FCRA 605B failure to block identity theft information FCRA 610 ( a ) failure to maintain reasonable procedures FCRA 607 ( a ) failure to ensure maximum possible accuracy This is no longer negligence it is willful misconduct.

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 2025-07-07 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Issue Type : Credit Reporting Unable to get your credit report or credit score What happened : I am filing a second complaint because Experian has failed to resolve a serious issue I originally reported under case # XXXX. Their previous response was misleading and did not address the core problem. 

I am currently locked out of my Experian account due to an identity verification process I can no longer complete. Specifically, Experian asks me to verify my identity with a security question and PIN that I no longer have access to. I also no longer have my old phone number, which prevents recovery through a one-time code. 

I have attempted to resolve this issue by : Calling Experians listed support numbers : XXXX, XXXX, and XXXX Sending emails to XXXX and XXXX Attempting web access through different browsers, devices, and XXXX  modes Using all options for password and username recovery However, Experians phone system refuses to connect me to a live person because I have a free account. The automated system only resets my password it does not help with identity verification. 

There is no way to reset the PIN, no option to bypass the security question, and no customer service email that responds with personalized help. Even after their response to my original complaint, I am still denied access to my credit report and can not dispute or monitor my file. 

I believe Experians system is functionally blocking my rights under the Fair Credit Reporting Act by refusing to provide a working process for account access and identity recovery.

I am requesting that Experian : 1. Provide a live customer service contact ( phone or email ) who can resolve this identity issue 2. Allow me to regain access to my account without needing a PIN I no longer have 3. Offer a secure alternative to verify my identity with current documentation I have tried every avenue available to resolve this for months, and Experian has failed to provide a real solution.

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 2025-07-07 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXX  XXXX Balance : {$9700.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Payment History : XXXX, XX/XX/XXXX XXXX 30 days, XX/XX/XXXX XXXX 60 days, XXXX, XXXX, XXXX, XXXX, XXXX lates 30 days, XX/XX/XXXX XXXX 30 days, XX/XX/XXXX XXXX 60 days, XX/XX/XXXX XXXX 90 days, XX/XX/XXXX XXXX 120 days

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 2025-07-07 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: MA

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

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

Complaint narrative:
I DID NOT AUTHORIZE OR MAKE THESE INQUIRIES ON MY CREDIT REPORT, AND NOT ONE COMPANY EVERY CALLED ME... I HAVE IT LISTED ON MY CREDIT REPORT TO CALL ME. I did not make these inquiries I have contacted and written multiple times ; I would never make them because I know I can't open any credit at all. until i get things together. 

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 2025-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
XXXX dollars for keeping account under {$5000.00}, which I did not see on their advertisement Also on their advertisement it said deposit up to {$3000.00} and you get {$300.00}, which I did but no bonus yet and I was charged XXXX for balance below XXXX, even after I deposited more reaching XXXX they still charged saying it was not on time for XXXX

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

Complaint narrative:
Im disputing two unauthorized hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX that appear on my Equifax credit report, dated XX/XX/XXXX and XX/XX/XXXX. I did not apply for credit with this company or give any authorization for them to access my credit file. Reporting these inquiries without my consent violates 15 U.S.C. 1681b of the Fair Credit Reporting Act. Under XXXX XXXX XXXX XXXX XXXX credit bureaus can be held liable for reporting inquiries without confirming a valid permissible purpose. Im demanding that these inquiries be permanently deleted and that written confirmation is provided once they are removed.

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

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief