vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business 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 explanation
Consumer complaint received 2025-10-17 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:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report XXXX XXXXXXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: MS

Complaint narrative:
Subject : Response to Companys Inaccurate Statement Complaint ID XXXX Dear CFPB Team, I am writing in response to the ( Transunion ) XXXX claim that my complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. This statement is incorrect and misleading. 

I am the verified consumer and the rightful subject of the credit file in question. I personally submitted this complaint using my own identifying information and supporting documents, including a government-issued ID, proof of address, and identity theft affidavit where applicable. No third party or unauthorized representative filed or accessed this complaint on my behalf. 

This company ( Experian, Transunion and XXXX  ) has repeatedly refused to properly investigate or correct inaccurate information despite receiving full documentation directly from me. Their repeated use of this not our customer response appears to be an attempt to avoid compliance with the Fair Credit Reporting Act ( FCRA ), including their obligations under 602A, 611, and 623, which require reinvestigation and correction of disputed items when a consumer provides notice and proof of identity. 

I respectfully request that the CFPB : XXXX. Reopen this complaint and require the company to provide a substantive response based on the documentation I submitted. 
XXXX. Remind the company that I am the verified consumer of record and that no third-party authorization is required for a consumer to dispute their own credit information. 
XXXX. Include this response as part of the official record for Complaint ID XXXX. 

I remain available to provide any additional proof of identity, documentation, or certified correspondence previously sent to the company if needed. 

Sincerely, 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 2025-10-17 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:
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 ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-10-17 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: DC

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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc
State: OH

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-17 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:
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 2025-10-17 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: NY

Complaint narrative:
REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY I am submitting this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding inaccurate and unverifiable information being reported about me by XXXX XXXX XXXX ( XXXX  ). 



XXXX is currently reporting negative information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX  under Dispute Case ID : XXXX and Reference XXXX XXXX XXXX, explaining that while I may have opened an account, I had no knowledge of any deposits, transactions, or fraudulent activity that led to these reports. 



Despite my dispute, XXXX and the furnishing banks failed to provide any documentary evidence proving that I authorized or participated in these alleged activities. Under 15 U.S.C. 1681i, a consumer reporting agency must conduct a reasonable reinvestigation when a consumer disputes information and must delete any item that can not be verified. XXXX  failure to provide verification but continued reporting of this negative data violates this section of the FCRA. 



These unverifiable negative reports have prevented me from opening new bank accounts and accessing basic financial services, causing significant hardship. 



I am requesting that the CFPB ensure XXXX, XXXX XXXX, and Bank of America comply fully with the Fair Credit Reporting Act by : XXXX. Conducting a thorough, independent reinvestigation of the disputed information ; XXXX. Providing documented verification ( e.g., signed applications, transaction records, or deposit details ) ; and XXXX. Removing all unverifiable and inaccurate records from my consumer file if no such evidence can be produced. 



I respectfully request that all negative records associated with XXXX Bank and Bank of America be permanently deleted from my XXXX  file, as they are unsupported by verifiable proof and were not authorized by 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 explanation
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: NC

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-10-17 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-17 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: CO

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-17 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:
CFPB COMPLAINT CREDIT REPORTING / IDENTITY THEFT / INACCURATE INFORMATION Category : Credit reporting or credit repair services Incorrect information on your report Summary of Issue Multiple credit bureaus and specialty consumer reporting agencies are reporting inaccurate and unverifiable information on my consumer files. These errors are directly affecting my ability to obtain credit and business funding. Despite prior disputes, several tradelines and inquiries remain inconsistent across bureaus, contain late-payment coding errors, or were reinserted without proper certification or 5-day notice in violation of FCRA 611 ( a ) ( 5 ) ( B ). 

Details of the Complaint Cross-Bureau Inconsistencies : Accounts such as educational loans ( e.g., XXXX/DOFED ) and revolving/collection accounts ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) are reporting conflicting balances, dates, payment statuses, and comments across TransUnion, Experian, and Equifax. These discrepancies violate FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( failure to conduct a reasonable reinvestigation ).

Late-Payment and Charge-Off Defects : Several tradelines show OK months within the same period marked as 90/120-day late or charge-off, violating Metro 2 Code 162. Furnishers failed to provide ledger-level proof or DOFD documentation to support these lates. These errors misrepresent account performance and creditworthiness. 

Unauthorized/Improper Inquiries : Multiple hard inquiries were made without proper permissible purpose or documented authorization under FCRA 604 . The credit bureaus have failed to provide signed consent records, timestamps, or IP/device logs for these inquiries despite formal MOV requests. 

Identity Theft Indicators : Due to prior identity theft reports, I requested deletion or blocking of affected items under FCRA 605B. Some bureaus failed to block disputed tradelines or continued reporting items reinserted after deletion without notice, violating 611 ( a ) ( 5 ) ( B ).

Improper Reinsertion and Lack of Verification : Certain accounts previously deleted have been reinserted without the required 5-day written notice or furnisher certification. No Method of Verification was provided explaining how the data was validated. 

Failure to Correct Specialty/Secondary Files : Errors also exist in specialty consumer databases such as XXXX and XXXX XXXX, which are being used by lenders and banks for identity verification and business-loan decisions. These bureaus were properly disputed, but no confirmation of correction or deletion has been received. 

Regulations Violated FCRA 604, 607 ( b ), 609 ( a ), 611, 605A, 605B 15 U.S.C. 1681 et seq. 

Metro 2 Compliance Guidelines ( Codes 112, 162 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
CFPB COMPLAINT CREDIT REPORTING / IDENTITY THEFT / INACCURATE INFORMATION Category : Credit reporting or credit repair services Incorrect information on your report Summary of Issue Multiple credit bureaus and specialty consumer reporting agencies are reporting inaccurate and unverifiable information on my consumer files. These errors are directly affecting my ability to obtain credit and business funding. Despite prior disputes, several tradelines and inquiries remain inconsistent across bureaus, contain late-payment coding errors, or were reinserted without proper certification or 5-day notice in violation of FCRA 611 ( a ) ( 5 ) ( B ). 

Details of the Complaint Cross-Bureau Inconsistencies : Accounts such as educational loans ( e.g., XXXX/DOFED ) and revolving/collection accounts ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) are reporting conflicting balances, dates, payment statuses, and comments across TransUnion, Experian, and Equifax. These discrepancies violate FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( failure to conduct a reasonable reinvestigation ).

Late-Payment and Charge-Off Defects : Several tradelines show OK months within the same period marked as 90/120-day late or charge-off, violating Metro 2 Code 162. Furnishers failed to provide ledger-level proof or DOFD documentation to support these lates. These errors misrepresent account performance and creditworthiness. 

Unauthorized/Improper Inquiries : Multiple hard inquiries were made without proper permissible purpose or documented authorization under FCRA 604 . The credit bureaus have failed to provide signed consent records, timestamps, or IP/device logs for these inquiries despite formal MOV requests. 

Identity Theft Indicators : Due to prior identity theft reports, I requested deletion or blocking of affected items under FCRA 605B. Some bureaus failed to block disputed tradelines or continued reporting items reinserted after deletion without notice, violating 611 ( a ) ( 5 ) ( B ).

Improper Reinsertion and Lack of Verification : Certain accounts previously deleted have been reinserted without the required 5-day written notice or furnisher certification. No Method of Verification was provided explaining how the data was validated. 

Failure to Correct Specialty/Secondary Files : Errors also exist in specialty consumer databases such as XXXX and XXXX XXXX, which are being used by lenders and banks for identity verification and business-loan decisions. These bureaus were properly disputed, but no confirmation of correction or deletion has been received. 

Regulations Violated FCRA 604, 607 ( b ), 609 ( a ), 611, 605A, 605B 15 U.S.C. 1681 et seq. 

Metro 2 Compliance Guidelines ( Codes 112, 162 )

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MO

Complaint narrative:
b"On XXXX I paid $XXXX on this credit card with elan XXXX  card # XXXX XXXX XXXX XXXX XXXXThis was for a reman transmission with XXXX  in XXXX  Oh. and paid $XXXX  in total.\nI got 30,000 miles out of transmission and when I talked to them about it, they said I was lucky I got that much, my transmission guy in XXXX XXXX said they ripped me off, he puts reman transmission's in for $XXXX and gives a 3 yr. warranty.\nI disputed charge on my CC and they refused to help because of the lapsed time.\nI can't dispute until it goes out.\nThe vehicle sat for 13 month's while I was in XXXXXXXX needs to be held accountable for their lack of quality product for such an expensive price.."

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