vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There is an inquiry on my credit report and two open accounts that I do not recognize. One of those accounts is XXXX, opened on XX/XX/2024. I investigated, and that account has already been closed because it was fraudulently opened. However, the XXXX XXXX account, opened on XX/XX/2024, has not yet been removed, even though it was also fraudulently opened. Additionally, the credit inquiry made by XXXX on XX/XX/2024 has not been removed either. 

I am requesting your assistance in removing these fraudulent accounts and the unauthorized inquiry 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 explanation
Consumer complaint received 2025-04-16 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

and accuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AL

Complaint narrative:
I FILED A DISPUTE ON EXPERIAN DENIED TO FOLLOW UP WITH THE INVESTIGATION. I RECENTLY WAS NOTIFIED THAT CFPB HAS FILED A LAWSUIT AGAINST THE CAMPANY ( EXPERIAN ). THEY ALLEGED THE COMPANY OF ACCEPTING UNRELIABLE INFORMATION, FAILURE TO NOTIFY CONSUMER DISPUTE RESULTS. THIS ALIGNS WELL WITH MY SITUATION! EXPERIAN HAS NOT CORRECT ANY INFORMATION. IM REQUESTING THIS DEROGATORY REMARK BE REMOVED OR CORRECTED IMMEDIATELYAS ITS AFFECTING MY CHANCES OF GETTING ( CAR, HOUSE, ETC ). EXPERIAN VIOLATES MY RIGHTS AS A CONSUMER, AS WELL AS FEDERAL LAWS.

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 2025-04-16 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: OR

Complaint narrative:
1. Unauthorized Hard Inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Dates of Inquiries : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; I initiated only one inquiry to open an account with XXXX XXXX. The additional two inquiries were unauthorized duplicates and were not consented to. Under 15 U.S. Code 1681b ( c ), you are required to ensure inquiries are permissible and authorized. These additional inquiries were not. I demand immediate deletion of all duplicate/unauthorized inquiries, or you must provide signed proof of permissible purpose for each. 
2. XXXX XXXX Inaccurate Late Payment Reporting Creditor : XXXX XXXXXXXX Dispute Item : 30-day Late Payment ( XXXX ) I was never late on this account. The entry is inaccurate and unverified, in violation of 15 U.S. Code 1681e ( b ) requiring maximum possible accuracy. This account has been paid in full and closed, yet the error persists. I request complete deletion of the late payment entry from my TransUnion report. 
3. XXXX XXXX XXXX Charge-Off Dispute & Proof Demand Creditor : XXXX XXXX XXXX  XXXX XXXX ) Dispute Item : Charge-off in the amount of {$2300.00} I dispute the validity and accuracy of this account. I demand that XXXX furnish documentary proof, including the original signed contract with my wet signature. Under FCRA 1681i ( a ) ( 1 ) ( A ) and FACTA, you are required to verify and investigate disputed accounts thoroughly. If you or the creditor can not provide verifiable documentation, this account must be deleted immediately under FCRA provisions. In absence of proper verification, I will consider this account as a result of identity theft, stemming from the XXXX TransUnion data breach involving XXXX actors, which has resulted in ongoing inaccuracies on my credit file for years.

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 2025-04-16 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: TX

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the Equifax Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Transunion credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 

1. 
XX/XX/XXXXDate of inquiry : XX/XX/year> XXXX. 
XX/XX/XXXXDate of inquiry : XX/XX/year> XXXX. 
XXXXXX/XX/XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account XXXX : XXXX * * * * * * * * * * * * * * * * XXXX. 
XXXXXX/XX/XXXXAccount Number : XXXX * * * * * * * * * * * XXXX. 
XXXXXX/XX/XXXXAccount Number : XXXX * * * * * * * * * * * XXXX. 
XXXXXX/XX/XXXXAccount Number : XXXX * * * * * * * * * * * * * * * * * XXXX. 
XXXXXX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * XXXX. 
XXXXXX/XX/XXXXAccount Number : XXXX * * * * * * * * * * * * * * * * * XXXX. 
XXXXXX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * XXXX. 
XXXXXX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * XXXX. 
XXXXXX/XX/XXXX Account Number : XXXX * * * XXXX. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX. 
XXXXXX/XX/XXXX Account Number : XXXX * * * * * * * * * * * XXXX. 
XXXX XXXX XXXX. 
Account 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 2025-04-16 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an XXXX XXXX account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$3600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I 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. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
Please remove these fraud accounts and inquiries from my credit report. Under the law you need to remove these Accounts that are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-16 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: CO

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 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 2025-04-16 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:
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 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

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. Thank you. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} & XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$530.00}

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes the following : A utility service account opened at XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/year> under the account number ( private ). 

These accounts have resulted in several fraudulent collections on my consumer FICO credit report. I have attached a list of the collection accounts and a copy of the consumer FICO credit report maintained by you, which shows these fraudulent items.

I do not recognize these accounts or collections as reported. The accounts or collections appearing on my credit report were not opened, made, or authorized by me. All of these items are the result of identity theft and fraud.

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud.

I request immediate removal of these items as per my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Lowered my credit limit after paying off. Won't increase. Affected credit score.

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 2025-04-16 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: Affirm Holdings, Inc
State: KS

Complaint narrative:
Over a year ago I used the company to purchase material/ tools for a project totaling {$290.00}. I didn't have authorization for the project so I returned all the products. All the items were refunded back besides one for {$180.00} ( which was a ladder ). I called numerous times about it and after months of conflict, I received verbal confirmation that the account should be refunded and therefore closed/ deleted. A year+ later, I'm reviewing my credit reports and notice the account is still present, reports past due balances, and charge off. I called in XX/XX/year> to resolve the issue and they told me to just submit a dispute with Experian. I've submitted XXXX disputes since and they all come back within 2 days stating the information is accurate and will remain on my report. Reason being, the company, Affirm " has reported the information as certified ''. This has affected my credit score tremendously and my relationship with helpful charge account companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I checked my credit reports after getting notifications that my info was in a data breach ( Transunion, Experian and Equifax ). I saw inquires that I did not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX * * * * * * XXXX XXXX XXXX * * * * * * XXXX XXXX XXXX * * * * * * * * * * XXXX XXXXXXXX XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX * * * * * * XXXX XXXX XXXX * * * * * * XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX * * * * * * XXXX XXXX XXXXXXXX * * * * * XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

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

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-16 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: TX

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