vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-03-30 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
formal complaint against CNAC due to their repeated failures to comply with the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681s-2 ) and their continued misreporting of information that has severely impacted my creditworthiness. Despite multiple attempts to resolve this matter directly with both companies, my disputes have been ignored, dismissed, or met with inadequate responses. Their refusal to correct these inaccuracies not only violates federal consumer protection laws but also has caused significant financial harm. I request the Consumer Financial Protection Bureau ( CFPB ) to launch an immediate investigation and take appropriate enforcement action against both CNAC CNAC, a company known for auto financing, has inaccurately reported a charge-off on my credit report. According to my records, this debt was either settled, forgiven, or should no longer be reported as delinquent. However, CNAC continues to report this charge-off, negatively affecting my credit profile. My attempts to dispute this with CNAC have been met with resistance, and I have yet to receive any concrete documentation validating their claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: MI

Complaint narrative:
Will you please verify that all information is 100 % accurate and that you can verify it. I did not receive any verification from my last complaint. A bill is not verification. Otherwise please remove any and all of my credit report.

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 2025-03-30 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: MI

Complaint narrative:
Will you please verify that all information is 100 % accurate and that you can verify it. I did not receive any verification from my last complaint. A bill is not verification. Otherwise please remove any and all of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Thursday XX/XX/XXXX, I made a few transfers between my accounts within Bank of America via their app. As I was doing so, I received an alert stating that I needed to change my password and that my account had been restricted. 

I proceeded to call Bank of America to see what the problem was. They stated that the fraud protection was triggered and that there was nothing that they can do. They also proceeded to close every single one of my debit cards that I had ( 6 ) with different accounts.

Since then, I have been flagged with every single transaction that I do using Bank of America for no apparent reason. I have to call in and be on hold for no less than 30 minutes each time to get my account unrestricted. 

I have been with Bank of America for 6 years now.

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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: LA

Complaint narrative:
On XXXX XXXX XXXX a closed collection was reported to my credit report in the amount of {$1500.00} from a collection named USCB CORPORATION. I have no idea where this collection have came from. Im also a victim of identity fraud and have contacted higher up about this issue.

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 2025-03-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Subject : Demand for Deletion of Fraudulent Items from Credit Reports Identity Theft Victim Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and to demand immediate deletion of all fraudulent accounts, inquiries, and addresses from my credit reports with Equifax, Experian, and TransUnion under my rights afforded by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2. I am a documented victim of identity theft, and I have submitted the following to each credit bureau : 1. A copy of my official FTC Identity Theft Report ( FTC Report Number : XXXX ) 2. ID AND SOCIAL SECURITY CARD Despite these submissions, the following fraudulent accounts and information remain on my credit reports : Fraudulent Accounts : XXXX XXXX XXXX Account # XXXX {$1000.00} XXXX XXXX XXXX Account # XXXX {$470.00} XXXX XXXX XXXX Account # XXXX {$310.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX  Fraudulent Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX I never resided at these addresses, nor did I authorize, apply for, or open any of the above accounts or inquiries. Under FCRA 605B, I am entitled to have all fraudulent information resulting from identity theft blocked and permanently removed from my credit reports within 4 business days of receiving proper documentation. These credit bureaus have failed to comply with this federal law. I demand immediate deletion of the above-listed fraudulent accounts, inquiries, and addresses from my credit reports with all three credit bureaus ( Equifax, Experian, and TransUnion ) in full compliance with FCRA 1681c-2, and request that the CFPB initiate an investigation into this matter. Please keep me informed about the status of this complaint. I am seeking full remediation, including permanent removal of the fraudulent items and compliance with all legal obligations under the FCRA. Sincerely, 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 2025-03-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Subject : Demand for Deletion of Fraudulent Items from Credit Reports Identity Theft Victim Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and to demand immediate deletion of all fraudulent accounts, inquiries, and addresses from my credit reports with Equifax, Experian, and TransUnion under my rights afforded by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2. I am a documented victim of identity theft, and I have submitted the following to each credit bureau : 1. A copy of my official FTC Identity Theft Report ( FTC Report Number : XXXX ) 2. ID AND SOCIAL SECURITY CARD Despite these submissions, the following fraudulent accounts and information remain on my credit reports : Fraudulent Accounts : XXXX XXXX XXXX Account # XXXX {$1000.00} XXXX XXXX XXXX Account # XXXX {$470.00} XXXX XXXX XXXX Account # XXXX {$310.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX  Fraudulent Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX I never resided at these addresses, nor did I authorize, apply for, or open any of the above accounts or inquiries. Under FCRA 605B, I am entitled to have all fraudulent information resulting from identity theft blocked and permanently removed from my credit reports within 4 business days of receiving proper documentation. These credit bureaus have failed to comply with this federal law. I demand immediate deletion of the above-listed fraudulent accounts, inquiries, and addresses from my credit reports with all three credit bureaus ( Equifax, Experian, and TransUnion ) in full compliance with FCRA 1681c-2, and request that the CFPB initiate an investigation into this matter. Please keep me informed about the status of this complaint. I am seeking full remediation, including permanent removal of the fraudulent items and compliance with all legal obligations under the FCRA. Sincerely, 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 2025-03-30 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:
Experian has committed the following against me and this complaint is the proof of there misconduct. 

Notice : If I do not succeed in redress and recourse with this complaint, I will be contacting The Ohio Attorney Generals office for further assistance. 

Original complaint numbers are : XXXX XXXX XXXX Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. 

Here is my proof. Please see attached photos attached to this complaint Please view complaints that are listed in photos. Please see what those complaint numbers say within the complaint and what documentation was attached. 

When consumers disputed errors on their credit reports, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law, said CFPB XXXX XXXX XXXX. Credit reporting errors can have serious consequences for a familys finances, and it is critical that credit reporting giants follow the law. 

The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

Conducting sham investigations that fail to properly address consumer disputes. 

Improperly reinserting inaccurate information on consumer reports. 

In addition to alleging violations of the FCRAs requirements, the CFPB alleges that Experians faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices.

Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CFPA. The CFPB 's lawsuit seeks to stop the company 's unlawful conduct, to provide redress for harmed consumers, and the imposition of a civil money penalty, which would be paid into the CFPB 's victims relief fund. I am seeking civil money penalty fees to be paid to me from the CFPBs victims relief fund for the negligent and willful misconduct Experian has committed.

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 2025-03-30 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: IL

Complaint narrative:
XXXX. Failure to Conduct a Reasonable Investigation ( 611 ( a ) ( 1 ) ) The FCRA requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes information. 
If they just confirmed the account with the original creditor without investigating properly, thats a violation. 

XXXX. Failure to Provide You with Results of the Investigation ( 611 ( a ) ( 6 ) ) The credit bureau must send you a written notice with the results of their investigation within XXXX days ( or XXXX days in some cases ). 

XXXX. Failure to Consider Your Documentation ( 611 ( a ) ( 4 ) ) If you submitted supporting documents ( like proof of identity theft, payment history, or other errors ) and they ignored them, thats a violation. 

XXXX. Reporting Inaccurate Information After Being Notified ( 623 ( a ) ( 1 ) ) If the furnisher ( creditor or collection agency ) knows or should know the information is incorrect but continues to report it, theyre in violation. 

XXXX. Failure to Note the Account as Disputed ( 611 ( a ) ( 3 ) ) If the account remains on your report without a dispute notation, thats another FCRA violation. these are all laws that Experian, XXXX and XXXX have violated my rights as a consumer by not doing proper investigation to my disputes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
XXXX. Failure to Conduct a Reasonable Investigation ( 611 ( a ) ( 1 ) ) The FCRA requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes information. 
If they just confirmed the account with the original creditor without investigating properly, thats a violation. 

XXXX. Failure to Provide You with Results of the Investigation ( 611 ( a ) ( 6 ) ) The credit bureau must send you a written notice with the results of their investigation within XXXX days ( or XXXX days in some cases ). 

XXXX. Failure to Consider Your Documentation ( 611 ( a ) ( 4 ) ) If you submitted supporting documents ( like proof of identity theft, payment history, or other errors ) and they ignored them, thats a violation. 

XXXX. Reporting Inaccurate Information After Being Notified ( 623 ( a ) ( 1 ) ) If the furnisher ( creditor or collection agency ) knows or should know the information is incorrect but continues to report it, theyre in violation. 

XXXX. Failure to Note the Account as Disputed ( 611 ( a ) ( 3 ) ) If the account remains on your report without a dispute notation, thats another FCRA violation. these are all laws that Experian, XXXX and XXXX have violated my rights as a consumer by not doing proper investigation to my disputes

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 2025-03-31 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally follow up the immediate removal of the unauthorized inquiries on my credit report, as they are negatively impacting my ability to secure loans and obtain credit. These inquiries were made without my authorization, and I dispute their validity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. I demand that these inquiries be investigated and removed promptly. Additionally, I request written confirmation or supporting documentation once this issue has been resolved. 
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 explanation
Consumer complaint received 2025-03-31 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: MI

Complaint narrative:
These companies are in violation of the FCRA 15USC1692 15USC1681 Section602 15USC 1681 Section604 15USC1666B 15USC1637b 15USC1681s-2 ( a ) ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: OH

Complaint narrative:
XXXX XXXX XXXX, DATE OF BIRTH XXXXThis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency XXXX XXXX credit XXXX XXXX XXXX XXXX credit XXXX agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business davs of vou receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached a list of the hard inquiries in question as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. | do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a 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 2025-03-30 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: TN

Complaint narrative:
spoke with company and figured out that my payment was applied to the principle and not the monthly loan amount, they fixed it but never removed the late comment. this still affects my credit. i did request that they do, so the company was giving me a hard time to begin with and was not trying to help me. they keep talking over me. company was very unwilling to 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