vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
I am issuing this URGENT DEMAND for the immediate correction and permanent removal of inaccurate late payment reporting on my XXXX XXXX  XXXX  account from my credit file. This reporting violates the Fair Credit Billing Act ( FCBA ) Section 1666b ( 15 U.S.C. 1666b ) and the Fair Credit Reporting Act ( FCRA ), and your failure to comply will result in swift legal and regulatory action.

The late payment entries reported for this accountspecifically the change from " Current '' to " 30 Days Late '' for XXXX 2024are false and unverifiable. I previously disputed these inaccuracies, providing evidence that I was incorrectly billed due to improper notice, as required under FCBA Section 1666b, which mandates creditors send billing statements at least 21 days before the due date. XXXX XXXX XXXX  failed to provide this notice, rendering the late payment invalid. Despite my dispute, you have not supplied proper verification or corrected the error, further violating FCRA Section 611 ( 15 U.S.C. 1681i ), which requires investigation and deletion of unverifiable information within 30 days.

Attached evidence, including recent credit report changes, shows the payment history was updated to reflect this inaccuracy, yet no validation has been provided. Your continued reporting of this fabricated late payment is a willful breach of federal law, damaging my credit score and causing significant financial harm.

Immediate Actions Required : Remove the inaccurate " 30 Days Late '' entry for XX/XX/scrub> 2024 from my credit report immediately. 



Provide written verification of the late payment, including billing statements and proof of timely notice, within 15 days. 



Issue a corrected credit report reflecting my payment history as " Current '' for all relevant periods. 

Enclosed is a copy of my identification to verify my identity, as required by the FCRA. Failure to comply within 15 days of receiving this letter will trigger : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

Pursuing legal action for statutory damages under FCRA Section 616 ( 15 U.S.C. 1681n ) and punitive damages for your reckless noncompliance.

This is your FINAL NOTICE. Act now or face the full consequences of your unlawful actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
I am issuing this URGENT DEMAND for the immediate correction and permanent removal of inaccurate late payment reporting on my XXXX XXXX  XXXX  account from my credit file. This reporting violates the Fair Credit Billing Act ( FCBA ) Section 1666b ( 15 U.S.C. 1666b ) and the Fair Credit Reporting Act ( FCRA ), and your failure to comply will result in swift legal and regulatory action.

The late payment entries reported for this accountspecifically the change from " Current '' to " 30 Days Late '' for XXXX 2024are false and unverifiable. I previously disputed these inaccuracies, providing evidence that I was incorrectly billed due to improper notice, as required under FCBA Section 1666b, which mandates creditors send billing statements at least 21 days before the due date. XXXX XXXX XXXX  failed to provide this notice, rendering the late payment invalid. Despite my dispute, you have not supplied proper verification or corrected the error, further violating FCRA Section 611 ( 15 U.S.C. 1681i ), which requires investigation and deletion of unverifiable information within 30 days.

Attached evidence, including recent credit report changes, shows the payment history was updated to reflect this inaccuracy, yet no validation has been provided. Your continued reporting of this fabricated late payment is a willful breach of federal law, damaging my credit score and causing significant financial harm.

Immediate Actions Required : Remove the inaccurate " 30 Days Late '' entry for XX/XX/scrub> 2024 from my credit report immediately. 



Provide written verification of the late payment, including billing statements and proof of timely notice, within 15 days. 



Issue a corrected credit report reflecting my payment history as " Current '' for all relevant periods. 

Enclosed is a copy of my identification to verify my identity, as required by the FCRA. Failure to comply within 15 days of receiving this letter will trigger : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

Pursuing legal action for statutory damages under FCRA Section 616 ( 15 U.S.C. 1681n ) and punitive damages for your reckless noncompliance.

This is your FINAL NOTICE. Act now or face the full consequences of your unlawful actions.

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 2025-08-13 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: TX

Complaint narrative:
Requested a thorough investigation from TransUnion regarding an incorrect account that does not belong to me. TransUnion did not do a thorough investigation. I requested the company to provide me with the original instrument proving my responsibility to the account. I requested that the company show that the account was opened in good faith and is accurately reporting. I requested TransUnion provide proof of first hand knowledge that the account belongs to me. I requested that TransUnion provide the name of the person who has first hand knowledge of the account, I requested the phone number called and time of day the conversation took place. I have NEVER had an account with XXXX XXXX XXXX. I am requesting to provide proof of a relationship with this company. TransUnion XXXX XXXX XXXX : XXXX. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. This is incorrect information and fraud. This is an attack on my character which gives a false narrative that I can not handle my financial affairs.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to XXXX XXXX XXXX XXXX XXXX XXXX. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX XXXX XXXX  XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX XXXX XXXX XXXX - Compliance procedures- ( b ) Accuracy of report 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. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TX

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 2025-08-13 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section XXXX ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I formally request the removal of this erroneous account from my credit report, as I never authorized its creation or use. I have included the necessary documents to support my claim.

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 2025-08-13 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-13 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
I recently checked my credit report and noticed multiple accounts that do not belong to me on there. They are harmful to my 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 2025-08-13 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Re : Formal Demand for Deletion of Inaccurate Charge-Off Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It XXXX Concern, This letter is a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX et seq., and the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq. I have reviewed my credit report and found an entry reporting a charge-off for the above-referenced account. I dispute the accuracy, completeness, and legality of this reporting in its entirety. 

Under XXXX XXXX. XXXX ( a ), you are required to conduct a reasonable reinvestigation to verify all aspects of this account, includingbut not limited tothe original signed contract, complete payment history, proof of lawful assignment, and documentation showing the calculation of the alleged balance at charge-off. Generic data from a furnisher or automated records are not sufficient verification. 

Additionally, pursuant to XXXX XXXX. XXXX ( b ), if this account was ever in the possession of a debt collector, all collection activity ( including reporting ) must cease until full validation is provided. If the debt has been sold, the original creditors continued reporting XXXX constitute furnishing inaccurate information in violation of XXXX XXXX. XXXX ( a ). 

If you can not provide verifiable documentation within XXXX  days from the receipt of this dispute that satisfies the above requirements, you must immediately delete this account from my credit file and provide written confirmation. 

Be advised that continued reporting of unverifiable, outdated, or incomplete data will constitute willful non-compliance with federal law, exposing your agency to legal action, statutory damages under XXXX XXXX. XXXX, and attorneys fees. 

This is my final attempt to resolve this matter amicably. Govern yourself accordingly. 

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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
on XX/XX/year> I received a call from a person name XXXX XXXX pretending to be a Bank of America XXXX agent. The caller stated that there was a total charge of {$5600.00} charged on my credit card and whether it was me who made the purchased. I stated I did not make any purchase of that amount. 

Caller then proceed to state that he will work with me to get the merchant to refund the total amount of {$5600.00} back. The caller stated he will put me on hold while he and his team of work with the merchant to get my refund. During this time, I did not know that they were fraud only pretended to be Bank of America XXXX agent. 

After sometime, caller stated that he will send me test text messages and wanted me to type " yes '' on my phone. He also had me confirmed my security code on my XXXX  on the back which I did. 

Once I received the text message, caller stated he wanted me to type " yes '' and click send. I finally realized I have never had to deal with Bank of America XXXX agent like this before so I told him no. He got agitated and again stated I must type " yes '' which I then just hung up the phone. 

Right away after I hung up the phone on the fraud caller, I called Bank of America to file a fraud claim. Now Bank of America is stating that the purchase was made on my phone and denied my claim. 

XXXX caller info : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : 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 2025-08-13 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: MN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts.These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief