vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2025-06-23 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: VA

Complaint narrative:
This letter serves as a second formal notice regarding fraudulent accounts that remain on my credit file, despite my initial dispute dated XX/XX/year>2025 and supporting documentation that I provided, including my Identity Theft Report ( FTC Complaint # XXXX ). These accounts were identified as the result of identity theft : Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), you were legally required to block and remove these fraudulent accounts from my credit report within four ( 4 ) business days of receiving my valid identity theft documentation. The failure to do so constitutes a violation of federal law.

Applicable Legal Requirements : 15 U.S.C. 1681c-2 ( a ) : Upon receiving appropriate proof of identity, a copy of an identity theft report, and a specific request, a credit reporting agency must block the reporting of information resulting from identity theft within 4 business days.

15 U.S.C. 1681c-2 ( c ) : A CRA may not refuse to block fraudulent information except under narrowly defined circumstances ( e.g., material misrepresentation or fraud by the consumer, neither of which applies in my case ).

15 U.S.C. 1681i ( a ) : A CRA must conduct a reasonable reinvestigation and delete unverifiable or inaccurate information within 30 days of a dispute.

15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Continuing to report fraudulent accounts after receiving identity theft documentation fails to meet this standard.

Final Demand : I hereby demand : 1. Immediate deletion and blocking of the above-listed fraudulent accounts from my credit file.

2. A written statement confirming deletion and blocking of these accounts.

3. An updated credit report reflecting these changes.

4. Confirmation that notices of correction have been sent to any entity that received my report within the past six months, as required by 15 U.S.C. 1681i ( d ).

If I do not receive confirmation within 10 business days, I will file additional complaints with the CFPB, FTC, State Attorney Generals Office, and consider legal action under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), seeking damages as provided by 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 2025-06-23 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-23 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: MI

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 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 2025-06-23 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX XXXX XXXX Account 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 explanation
Consumer complaint received 2025-06-23 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. I noticed that Wells Fargo made a hard inquiry on my credit report on XX/XX/year>2025, which I did not authorize. Case number XXXX According to the Fair Credit Reporting Act ( FCRA ), hard inquiries may only be made with a consumers explicit permission, usually in connection with a credit application. I have not applied for any credit, loan, or service with Wells Fargo that would warrant such an inquiry. 
Details of the Disputed Inquiry : Company Name : Wells Fargo Date of Inquiry : XX/XX/scrub> 2025 Inquiry Type : Hard Pull

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>2025 Order # XXXX and XXXX was used to illegally redeem XXXX XXXX XXXX that I ( the rightful owner ) did not authorize. These gift cards were unfortunately sent to my personal email address where the hacker also had access to. I called XXXX Fraud live while it was happening and yet nothing was done to cancel or reverse the illegal redemption. I also had 2 factor authentication but that did not work. I was told I would get my points back in 10 business days, however, it's been a month and no points were returned. 

My email and Chase accounts were hacked and the gift card emails were deleted and can not be found. 

I then performed a XXXX Takeout of my XXXXXXXX XXXX XXXXnd found that some IP 's addresses were actually from a Chase Bank XXXX XXXX XXXX  ). If you look at my XXXX Takeout data of my gmail activity, you'll see in Column D that I did my best to ID where theses accesses were coming from. If you look at XXXX " XXXX '' this is from a Chase Bank in La XXXX. The rest of the XXXX 's are either places like my home or work, which is normal. I suggest an internal review of your people since they had access to my Chase account and somehow obtained my gmail password, which isn't easy to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: AK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
From about XX/XX/XXXX to current I have had issues with receiving money into my account and it being withdrawn. My card was lost or stolen and the last time I physically withdrew money was XX/XX/XXXX. I am unable to access the account that I learned has 4 card accounts due to my sign in information and phone number being changed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/year>, Bank of America reported a XXXX late payment on my credit card due to a system and communication failure. I had opted for paperless statements, yet the bank was sending electronic notifications to an internal email address ( XXXX ) that was not monitored or accessible by me. As a result, I received no alerts, statements, or warnings that my account was overdue. In addition, I had attempted to set up automatic payments, but the setup failed without my knowledge, and I received no confirmation or error message. I also received no phone call, text message, or mailed notice from Bank of America informing me that I was late. No reasonable effort was made to alert me. 

As soon as I discovered the issue, I paid the balance in full. Bank of America waived all late fees and confirmed that my account was in good standing. Despite this, they still reported the XXXX late mark to the credit bureaus, which significantly lowered my credit score and caused me to be denied a critical XXXX loan XXXX I later received a letter from Bank of America stating that I was being mailed my statementseven though my settings were clearly marked as " online only '' in my account. I requested a full record of where the statements were being sent, but the representative refused to provide this. 

After successfully disputing the XXXX late mark the first time, it was removed from my report. However, after I voluntarily withdrew my CFPB complaintbelieving the matter was resolveda second dispute was opened without my knowledge, and the late mark was reinserted. Additionally, I am concerned that XXXX  reinserted the XXXX late mark into my credit file without providing the required notice or explanation, raising further concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ), particularly around reinvestigation procedures and consumer notification. 

This raises serious concerns about data handling and retaliation. 

Legal Concerns : Truth in Lending Act ( TILA ) : For failure to send timely billing disclosures in a format reasonably accessible to me. 

Fair Credit Reporting Act ( FCRA ) : For re-reporting a derogatory mark without a valid basis, and despite acknowledgement that the account is in good standing. 

E-SIGN Act : For failing to ensure I could access digital statements after opting into paperless delivery. Notifications were routed to an invalid internal email.

Unfair or Deceptive Acts or Practices ( UDAP ) : For inadequate or misleading communications that resulted in financial harm.

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
Consumer complaint received 2025-06-23 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: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELFEMPLOYED - Incorrect Personal XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX  XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( XXXX ) 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. I kindly request that you block this information from my credit report within XXXX business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-23 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: GA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: LA

Complaint narrative:
Credit reports play a significant role in determining an individual 's or business 's creditworthiness. Payment history is a crucial component of credit reports, accounting for a substantial portion of credit scores. On-time payments, late payments, accounts sent to collections, and bankruptcies can all impact credit scores. 

Relevant Laws XXXX. Fair Credit Reporting Act ( FCRA ) Regulates the collection, use, and disclosure of consumer credit information. The FCRA requires credit reporting agencies to ensure the accuracy and fairness of reported information. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) Protects consumers from abusive, unfair, and deceptive debt collection practices. The FDCPA regulates how debt collectors can communicate with consumers and report information to credit bureaus. 

XXXX XXXX and XXXX XXXX XXXX XXXX FCRA, credit reporting agencies must : XXXX. Maintain accurate information Credit bureaus must ensure that reported information, including payment history, is accurate and up-to-date. 
XXXX. Investigate disputes If a consumer disputes an error on their credit report, the credit bureau must investigate and correct the error if necessary. 

Best Practices XXXX. Make on-time payments Payment history is a significant factor in determining credit scores. Making on-time payments can help maintain a positive credit history. 
XXXX. Monitor credit reports Regularly reviewing credit reports can help identify errors or inaccuracies that may impact credit scores. 
XXXX. Dispute errors If errors are found on a credit report, consumers should dispute them with the credit bureau to ensure accurate 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 2025-06-23 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: LA

Complaint narrative:
Credit reports play a significant role in determining an individual 's or business 's creditworthiness. Payment history is a crucial component of credit reports, accounting for a substantial portion of credit scores. On-time payments, late payments, accounts sent to collections, and bankruptcies can all impact credit scores. 

Relevant Laws XXXX. Fair Credit Reporting Act ( FCRA ) Regulates the collection, use, and disclosure of consumer credit information. The FCRA requires credit reporting agencies to ensure the accuracy and fairness of reported information. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) Protects consumers from abusive, unfair, and deceptive debt collection practices. The FDCPA regulates how debt collectors can communicate with consumers and report information to credit bureaus. 

XXXX XXXX and XXXX XXXX XXXX XXXX FCRA, credit reporting agencies must : XXXX. Maintain accurate information Credit bureaus must ensure that reported information, including payment history, is accurate and up-to-date. 
XXXX. Investigate disputes If a consumer disputes an error on their credit report, the credit bureau must investigate and correct the error if necessary. 

Best Practices XXXX. Make on-time payments Payment history is a significant factor in determining credit scores. Making on-time payments can help maintain a positive credit history. 
XXXX. Monitor credit reports Regularly reviewing credit reports can help identify errors or inaccuracies that may impact credit scores. 
XXXX. Dispute errors If errors are found on a credit report, consumers should dispute them with the credit bureau to ensure accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account 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 explanation