vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The account in question is being reported by XXXX XXXX XXXX, and I believe this is an error. 

I have never signed a contract or entered into any agreement with XXXX XXXX XXXX. Therefore, they have no legal basis to report any debt or account under my name. Despite this, the company is falsely reporting information that is negatively impacting my credit. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Please remove this inaccurate item from my credit report, as it is not valid and should not be associated with my credit history. 

Attached are copies of my identification and any relevant documents to support my dispute. 

Please confirm in writing that the investigation has been conducted and that the false information has been removed or corrected. I expect a response within the 30-day time frame as required by the FCRA.

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 2025-05-03 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, XXXX I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have XXXX  worry about this problem again.

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 2025-05-03 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: WI

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XX/XX/XXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XX/XX/XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

The following inquiry was not and should not be reporting. 
Equifax 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 explanation
Consumer complaint received 2025-05-03 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: MN

Complaint narrative:
Complaint Summary : I am filing this formal complaint and dispute because the three major consumer reporting agencies Equifax, Experian, and TransUnion are inaccurately and unlawfully reporting a dismissed bankruptcy on my consumer credit file. The court record was dismissed with no discharge, and was officially resolved on XX/XX/XXXX. Despite this, the credit bureaus are publishing it as a derogatory public record, causing damage to my credit standing. 

The report shows only the word Dismissed and a resolved date, with no mention that : The case was thrown out without relief No debt was discharged No XXXX XX/XX/XXXX bankruptcy plan was executed This is materially incomplete, misleading, and harmful to my creditworthiness. 

Legal Grounds : Violation of FCRA 1681e ( b ) Maximum Possible Accuracy The credit bureaus are reporting this dismissed bankruptcy in a manner that is incomplete and misleading, failing to follow reasonable procedures to ensure maximum possible accuracy. Dismissed without further context implies a failed bankruptcy or an unresolved financial issue, when in fact the case was legally extinguished.

Violation of FCRA 1681b No Permissible Purpose I did not authorize the acquisition or publication of this bankruptcy information. There is no valid business need or permissible purpose to report a non-discharge bankruptcy dismissal. I did not give consent for this information to be used in any consumer report. 

Violation of FCRA 1681q False Pretenses If the bankruptcy data was obtained through data-scraping public record vendors or third parties ( e.g., XXXX ) XXXX and reported without verifying proper context or consent, this constitutes obtaining consumer information under false pretenses.

Violation of Minnesota Statute 609.527 Aggravated Identity Theft Under Minnesota law, the unauthorized use of my personal identifying information name, SSN, date of birth in conjunction with a dismissed legal proceeding is unlawful, especially when used to affect my financial reputation. This amounts to misuse for gain or harm, satisfying the elements of identity theft. 

Jurisdictional Overreach The bankruptcy court has no jurisdiction to transmit my personal records to credit bureaus, especially once the case was dismissed and no discharge order was issued. I did not authorize any court or vendor to share this data for credit reporting purposes. There is no legal authority granting credit bureaus the right to republish a null and void record as a continuing credit risk.

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 2025-05-03 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: NJ

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 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 2025-05-03 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Winston-Salem, NC, XXXX XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX To Whom It XXXX Concern, I am writing to formally file a complaint regarding a collection account in the amount of {$820.00} being reported by XXXX XXXX XXXX, which I have no knowledge of and did not authorize. 

I was never sent any communicationby email, mail, or phoneregarding this alleged debt. I became aware of this account only after being notified by my bank that it appeared on my credit report. Since that time, I have called XXXX XXXX XXXX multiple times, and each time I have received no clear or valid information about how this debt is tied to me. Instead of providing details, they simply demand payment without offering any supporting documentation or explanation. 

I previously disputed this matter with Experian, yet the account remains unresolved on my credit file. This is in clear violation of 15 U.S.C. 1681, which obligates consumer reporting agencies like Experian to conduct a thorough investigation of disputed information. No such resolution has occurred, and I maintain that this account is fraudulent and inaccurately attributed to me.

Furthermore, under FCRA Section 605B, no entity has the right to report information on my credit report without my knowledge or consent. I never authorized the disclosure of my personal or financial information in connection with this account. Additionally, 15 U.S.C. 6802 mandates that financial institutions provide notice and obtain consent before sharing nonpublic personal informationnone of which occurred in this case. 

Upon contacting XXXX XXXX XXXX, I also learned that they are not even the original creditor of the alleged debt. I did not authorize any party to transfer or share my personal information in this way, and I have serious concerns that my rights have been violated under both federal and North Carolina law. 

I respectfully request that this inaccurate and unverified account be immediately removed from my credit report and that your office investigate this matter fully. I am attaching copies of relevant documentation and my correspondence with the credit reporting agency to support my case. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been for the last 2 years now trying to collect the {$11000.00} of ca edd unemployment benefits that were stolen from me. I have tried many times to resolve this with bank of america who continues to give me the run around and just elude every which way possible to not reimburse me for my stolen funds. I have showed proof over and over again that shows that my replacement card was stolen in the mail and during my time of XXXX  the card was used and all my benefits were stolen. This has happened in XXXX XXXX. This bank was the worst in California history to ever manage the unemployment benefits and is no wonder now the CA edd has cut ties with this incompetent bank.

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 2025-05-03 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: NY

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Creditors Bureau Associates
State: NJ

Complaint narrative:
I want them to stop harassing me. I dont have any business in XXXX Georgia ! This is harassment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There are XXXX hard inquires on my report. The XXXX XX/XX/year> and the XXXX XXXX XXXX  plus the Bank of America XX/XX/year> wasn't supposed to be a hard inquire since it was a soft pull to get a pre-approval. There wasn't any way to report the inquires with the bureaus. I was told that I could bring this to XXXX attention, and I could information on how to go about handling this situation correctly. 

Also, there wasn't any other place to notate this, but the amount of debt is being reported improperly. It shows XXXX accounts open for incorrect amount. It seems like it hasn't been updated since XXXX from the last update. Even then it wasn't reported correctly. Its been months since I had XXXX account balances opened. Currently I only have XXXX accounts open. Since it was reported wrong the credit limit on XXXX of my credit cards was lowered. 

I also reported the late payments to the bureaus individually explaining why the late payments happened. I have yet to get a response back from them about that. Company names are 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 2025-05-03 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There are XXXX hard inquires on my report. The Amex XX/XX/year> and the XXXX XXXX XXXXXX/XX/year> plus the XXXX XXXX XXXX XXXXXX/XX/year> wasn't supposed to be a hard inquire since it was a soft pull to get a pre-approval. There wasn't any way to report the inquires with the bureaus. I was told that I could bring this to XXXX attention, and I could information on how to go about handling this situation correctly. 

Also, there wasn't any other place to notate this, but the amount of debt is being reported improperly. It shows XXXX accounts open for incorrect amount. It seems like it hasn't been updated since XXXX from the last update. Even then it wasn't reported correctly. Its been months since I had XXXX account balances opened. Currently I only have XXXX accounts open. Since it was reported wrong the credit limit on XXXX of my credit cards was lowered. 

I also reported the late payments to the bureaus individually explaining why the late payments happened. I have yet to get a response back from them about that. Company names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MD

Complaint narrative:
XXXX XXXX ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a {$26000.00} balance. XXXXXXXX XXXX XXXX  XXXX opened XX/XX/XXXX with a {$1100.00} balance. XXXX XXXX XXXX opened XX/XX/XXXX with a {$1000.00} balance. XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a {$570.00} balance. XXXX credit card- XXXX opened XX/XX/XXXX with a {$900.00} balance. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: MD

Complaint narrative:
XXXX XXXX ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a {$26000.00} balance. XXXXXXXX XXXX XXXX  XXXX opened XX/XX/XXXX with a {$1100.00} balance. XXXX XXXX XXXX opened XX/XX/XXXX with a {$1000.00} balance. XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a {$570.00} balance. XXXX credit card- XXXX opened XX/XX/XXXX with a {$900.00} balance. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
I am disputing a USAA Federal Savings Bank account reporting on my credit report. The account was closed in XXXX, but it continues to report a pattern of severe delinquencies, including XXXX, XXXX, XXXX, and XXXXday late payments, which I believe are inaccurate. I was never notified of these alleged delinquencies, and the information is outdated and damaging. I requested an investigation, and USAA responded without correcting the inaccuracies or providing proper documentation. This may violate FCRA 1681s-2, which requires furnishers to report accurate information and conduct a reasonable investigation when notified of a dispute.

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