vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
This is a follow-up to my previous CFPB complaints regarding identity theft and the credit reporting agencies failure to block fraudulent accounts within the 4-business-day deadline mandated by FCRA 1681c-2 ( b ). The complaint numbers are as follows : TransUnion : XXXX XXXXXXXX Equifax : XXXX XXXXXXXX Experian : XXXX XXXXXXXX In each case, I provided an FTC Identity Theft Report and proof of identity. All three agencies failed to comply within the required timeframe, and in some cases took over 90 days to respond, causing ongoing harm. 

In addition, certain fraudulent accounts that had previously been deleted from my credit file have now been reinserted without the required written certification from the furnisher and without written notice to me within 5 business days, in violation of FCRA 1681i ( a ) ( 5 ) ( B ). 

On XX/XX/year>2025, I submitted an updated FTC Identity Theft Report ( XXXX XXXXXXXX ) consolidating all current fraudulent accounts, fraudulent inquiries, and previously deleted accounts that must be permanently blocked to prevent unlawful reinsertion under 1681i ( a ) ( 5 ) ( B ). This updated report, proof of identity, and proof of address were sent by certified mail to each CRA and relevant furnishers. 

I have attached my updated FTC Identity Theft Report # XXXX, a copy of my government-issued ID, proof of current address, and a detailed list of all fraudulent accounts and inquiries for blocking under FCRA 1681c-2 also attached is evidence of previously deleted accounts.

These are repeat and willful violations of FCRA 1681c-2 and 1681i ( a ) ( 5 ) ( B ), constituting willful and/or negligent noncompliance under FCRA 1681n and 1681o . Each violation is subject to statutory damages of up to {$1000.00} per item, plus actual damages ( including credit denials, increased costs of credit, and XXXX XXXX ), and attorneys fees and costs.

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 2025-08-09 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: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft as a direct result of the XXXX Equifax data breach, in which my personal information was compromised without my consent. This breach has led to fraudulent activity on my credit file. 



Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting the immediate blocking and permanent removal of the following fraudulent accounts from my credit report : XXXX XXXX Account ending in XXXX XXXX Opened XX/XX/XXXX Charged Off {$930.00} past due XXXX XXXX Account ending in XXXX XXXXXXXX Opened XX/XX/XXXX Charged Off {$100.00} past due XXXX XXXX XXXX Account ending in XXXX XXXXXXXX Opened XX/XX/XXXX Repossession {$6800.00} past due XXXX XXXX Account ending in XXXX XXXX  Opened XX/XX/XXXX Charged Off {$400.00} past due These accounts were opened and/or reported without my authorization. I did not initiate, authorize, or benefit from them. They are the result of fraudulent use of my personal information following the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: MI

Complaint narrative:
Us DEPT OF EDUCATIONXXXX XXXX is reporting that I have missed two late payments when I have never done business with them nor have I signed a promissory note with that company is not only reporting inaccurate information which is harming my credit significantly they are also violating my consumer rights. By reporting my information inaccurately they are not only harming my credit but they are also allowing other lenders to become prejudice of me due to the reason. There are many laws protecting the consumer as in Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, and Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 and as a consumer I would like this thoroughly investigated and FULL DELETION of this report to my account as they never had my consent to report anything in a negative inaccurate way. Below I will upload pictures that show different reports with different 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 2025-08-09 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: MI

Complaint narrative:
Us DEPT OF EDUCATIONXXXX XXXX is reporting that I have missed two late payments when I have never done business with them nor have I signed a promissory note with that company is not only reporting inaccurate information which is harming my credit significantly they are also violating my consumer rights. By reporting my information inaccurately they are not only harming my credit but they are also allowing other lenders to become prejudice of me due to the reason. There are many laws protecting the consumer as in Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, and Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 and as a consumer I would like this thoroughly investigated and FULL DELETION of this report to my account as they never had my consent to report anything in a negative inaccurate way. Below I will upload pictures that show different reports with different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Us DEPT OF EDUCATION/ XXXX is reporting that I have missed two late payments when I have never done business with them nor have I signed a promissory note with that company is not only reporting inaccurate information which is harming my credit significantly they are also violating my consumer rights. By reporting my information inaccurately they are not only harming my credit but they are also allowing other lenders to become prejudice of me due to the reason. There are many laws protecting the consumer as in Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, and Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 and as a consumer I would like this thoroughly investigated and FULL DELETION of this report to my account as they never had my consent to report anything in a negative inaccurate way. Below I will upload pictures that show different reports with different 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 non-monetary relief
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
THIS TRULY HAVE TO STOP HOW DID ALL THE CREDIT BUREAUS REMOVED THIS FRAUDULENT ACCOUNT CALLED XXXX XXXX XXXX XXXX  IT WAS DELETED CEASED AND DESIST IT JUST RETURNED XX/XX/XXXX2025 I need it removed UPON READING THIS COMPLAINT STOP REPORTING FRAUDULENT ACTIVITY ON MY CONSUMER REPORT. 

Equifax Information Services LLC XXXXXXXX XXXX XXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Demand for Immediate and Permanent Removal of Fraudulent Account XXXX XXXX XXXX XXXX To Whom It May Concern, I am a victim of identity theft, and I am formally demanding the immediate and permanent removal of the fraudulent account listed as XXXX XXXX XXXX XXXX from my consumer credit report. 

This account was opened and reported without my knowledge, consent, or authorization. I have already notified the company that this account is fraudulent, and I have stated clearly that I do not recognize or owe any debt related to it. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i, you are required to : 1. Block and delete this fraudulent account from my credit file within four ( 4 ) business days of receiving this letter, as mandated under the FCRA.

2. Ensure that this account is never reinserted into my credit report without full compliance with the reinsertion procedures outlined in 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

This fraudulent account is causing ongoing harm to my credit profile and financial opportunities. I expect written confirmation from your office that this account has been completely removed and permanently blocked from my credit report.

Failure to comply with this request will result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and pursuing all available legal remedies.

Attached is a copy of my government-issued identification and proof of address to assist in verifying my identity. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-09 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: GA

Complaint narrative:
I disputed the collection account from XXXX XXXX XXXX XXXX on my XXXX credit report on XX/XX/year> and requested full legal verification. Instead of providing documentation, XXXX  responded with a vague letter stating the account was verified but did not provide any proof, original contracts, or valid documentation to support this claim. This verification appears to be based solely on unsubstantiated information or word of mouth, which violates my rights under federal law, specifically : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) : Requires debt collectors to provide proper verification of the debt upon dispute. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires credit bureaus to conduct a reasonable investigation and verify disputed information with valid evidence.

FCRA, 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy of information on credit reports.

This inaccurate and unverifiable account is harming my credit score and causing serious damage to my financial life, including difficulty securing housing, loans, and employment opportunities, as well as emotional distress.

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 2025-08-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ) has officially closed the account in their system. 
Theyre no longer collecting on it. 
Theyve requested all credit bureaus to remove the account from your credit report. 
They submit credit reporting updates every Monday, and they say it can take 3045 days for the deletion to appear on your reports.

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 2025-08-11 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: MicroBilt / PRBC (formerly CL Verify)
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-09 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: NJ

Complaint narrative:
Claim ID : XXXX I already called them many times to tell them that the one credit they referred to is not for this transaction. But they still charged me for this and their customer service just can not understand what they did wrong. Please call 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 monetary relief
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
What happened? 
In XX/XX/year>, my federal student loan servicing was transferred from XXXX XXXX to XXXX. For years under XXXX XXXX, I maintained a perfect payment history with XXXX late payments. At the time of the transfer, I had recently moved and no longer had access to the email address on file. As a result, I did not receive proper login credentials or instructions for accessing my new XXXX account. 

XXXX placed my account into a XXXX administrative forbearance through XX/XX/year>, with my first payment scheduled for XX/XX/year>, as directed by the XXXXXXXX XXXX XXXX XXXX XXXX However, because of the lack of timely account access and missing notifications, I was unaware that payments were showing as past due after XXXX. 

In reality, only XXXX months of payments were late before I noticed and immediately paid the full past-due balance. But because my account is structured as XXXX individual loans, XXXX reported each loan as late for those XXXX months resulting in XXXX separate late-payment notations across my credit reports. 

This has caused severe and disproportionate damage to my credit profile. My credit score dropped from XXXX to XXXX in a matter of weeks. This has triggered credit limit reductions on my existing credit cards, denials for new credit, and negative impacts on my business financing ability. 

I contacted XXXX and explained the circumstances including the fact that the missed payments were directly tied to the servicer transition, that relief measures ( XXXX XXXX ) were still in effect during this period, and that my prior servicers record shows years of on-time payments. Despite this, XXXX stated they can not or will not send any correction to the credit bureaus, placing the burden solely on me, even though their own transition process caused the 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 2025-08-09 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: FL

Complaint narrative:
What happened? 
In XX/XX/year>, my federal student loan servicing was transferred from XXXX XXXX to XXXX. For years under XXXX XXXX, I maintained a perfect payment history with XXXX late payments. At the time of the transfer, I had recently moved and no longer had access to the email address on file. As a result, I did not receive proper login credentials or instructions for accessing my new XXXX account. 

XXXX placed my account into a XXXX administrative forbearance through XX/XX/year>, with my first payment scheduled for XX/XX/year>, as directed by the XXXX XXXX XXXX XXXX XXXX However, because of the lack of timely account access and missing notifications, I was unaware that payments were showing as past due after XXXX. 

In reality, only XXXX months of payments were late before I noticed and immediately paid the full past-due balance. But because my account is structured as XXXX individual loans, XXXX reported each loan as late for those XXXX months resulting in XXXX separate late-payment notations across my credit reports. 

This has caused severe and disproportionate damage to my credit profile. My credit score dropped from XXXX to XXXX in a matter of weeks. This has triggered credit limit reductions on my existing credit cards, denials for new credit, and negative impacts on my business financing ability. 

I contacted XXXX and explained the circumstances including the fact that the missed payments were directly tied to the servicer transition, that relief measures ( XXXX XXXX  ) were still in effect during this period, and that my prior servicers record shows years of on-time payments. Despite this, XXXX stated they can not or will not send any correction to the credit bureaus, placing the burden solely on me, even though their own transition process caused the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
What happened? 
In XX/XX/year>, my federal student loan servicing was transferred from XXXX XXXX to XXXX. For years under XXXX XXXX, I maintained a perfect payment history with XXXX late payments. At the time of the transfer, I had recently moved and no longer had access to the email address on file. As a result, I did not receive proper login credentials or instructions for accessing my new XXXX account. 

XXXX placed my account into a XXXX administrative forbearance through XX/XX/year>, with my first payment scheduled for XX/XX/year>, as directed by the XXXXXXXX XXXX XXXX XXXX XXXX However, because of the lack of timely account access and missing notifications, I was unaware that payments were showing as past due after XXXX. 

In reality, only XXXX months of payments were late before I noticed and immediately paid the full past-due balance. But because my account is structured as XXXX individual loans, XXXX reported each loan as late for those XXXX months resulting in XXXX separate late-payment notations across my credit reports. 

This has caused severe and disproportionate damage to my credit profile. My credit score dropped from XXXX to XXXX in a matter of weeks. This has triggered credit limit reductions on my existing credit cards, denials for new credit, and negative impacts on my business financing ability. 

I contacted XXXX and explained the circumstances including the fact that the missed payments were directly tied to the servicer transition, that relief measures ( XXXX XXXX ) were still in effect during this period, and that my prior servicers record shows years of on-time payments. Despite this, XXXX stated they can not or will not send any correction to the credit bureaus, placing the burden solely on me, even though their own transition process caused the 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 non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied online for a XXXX Chase credit card. I did not receive an instant approval and was told I would be contacted in 7-10 business days. 2 days later I was contacted by " chase bank '' they wanted to verify if I was the one who applied for the card. I said yes, they asked if I completed the application online I said yes. They asked if I wanted the application to proceed for review. I said yes and then they said that's all they needed from me. I hung up and got a letter in the mail today from " Chase Bank '' saying I needed to call XXXX I called and followed the phone prompts which asked for my ssn associated with the application I typed it in and was connected to a representative who asked me for the reference number that was on the letter I gave it to her and she said she needed to connect me to the XXXX department but that it was a long wait did I mind being on hold. I said okay and she said let me give you the direct line incase the call is disconnected and it was the same number from the letter I had already called. I got suspicious and hung up I've never had to do this for a credit card in the past. I XXXX  the number and it said it was linked to a scam. I went to chase to verify the contact number and mailing address and they don't match. I believe I was scammed.

Company response to consumer: Closed with explanation