vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: NE

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} Inquiries XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 

Accounts : XXXX XXXX XXXX : XXXX Inquiries : 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 2025-05-28 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: NM

Complaint narrative:
My Equifax credit report is currently displaying several hard inquiries that I do not recall authorizing, including entries from XXXX on XX/XX/XXXXXXXX  and again on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on both XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX  on XX/XX/XXXX. These inquiries do not align with any applications I submitted, and I believe they were placed on my report without proper verification or consent. 

The Fair Credit Reporting Act is clear under 15 U.S.C. 1681b : a consumer report may only be accessed for a specific permissible purpose initiated by the consumer. These entries suggest potential violations of this standard. If any of these inquiries were placed due to a third partys misrepresentation or system errors, they should not remain on my credit file, especially considering the damage they can inflict on a consumer already experiencing financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
XXXX repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, XXXX that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to XXXX XXXX. XXXX, Equifax is legally required to reinvestigate all disputed items within XXXX days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-05-28 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-28 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am formally disputing the presence of inaccurate personal information currently appearing on my TransUnion credit report. Specifically, the report lists an Also Known As name variation : XXXX XXXX. This name is not mine, nor have I ever used this name in any legal, personal, or financial capacity. Additionally, the report includes a previous address : XXXX XXXX XXXX, XXXX, NM XXXX, which does not align with my verified residential history. These entries raise red flags, suggesting either careless data matching or the mishandling of consumer records, which could result from a broader data breach affecting my identity profile. 

According to XXXX XXXX. XXXX ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Misreporting of names or addresses not associated with me undermines the integrity of my credit file and exposes me to unnecessary scrutiny or errors in credit decisions. These kinds of inaccuracies could easily result in wrongful associations with accounts or inquiries that do not belong to 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 non-monetary relief
Consumer complaint received 2025-05-28 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: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
Used XXXX XXXX XXXX for a balance transfer amount of {$1500.00} on XX/XX/year> to XXXXXXXX XXXX XXXX The transaction was never credited to my XXXX account. The incident was investigated and found out that XXXX never received the check. The check was mistakenly sent to First National Bank of Omaha and it was cashed on XX/XX/year>. I do not have an account with First National Bank of Omaha, nor have I ever had any affiliation with them. My credit card company XXXX XXXX was given written permission from me to release all information to First National Bank of Omaha so that further investigation can be conducted and the {$1500.00} can be returned. First National Bank of Omaha was also provided a copy of the Payments Center Transactions Details which shows the Trace ID number pertaining to the funds. 
I have placed numerous calls, and faxed a letter also asking that the {$1500.00} be returned to me. I have never received a response. XXXX XXXX  was unable to put a stop payment on the check, by the time the mistake was discovered it was too late. This has been an ongoing issue for a year now, and I am left with paying off the {$1500.00} bill. I am just asking that the money be returned to 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America closed both my personal checking and savings account with no explanation. Was told I would get sent a check in the mail and I want to pick up my funds at a local branch.

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 2025-05-28 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: PreFi, LLC
State: TX

Complaint narrative:
XXXX posed itself as " PRE-FI, LLC '' per XXXX, which per my settings on my monthly credit/ID monitoring, rejected their inquiry/access to my credit report. Their supposed address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Phone is supposedly XXXX but upon calling this number, it has been disconnected. My suspicion here is that some bad actor ( s ) are using this perhaps defunct business to attempt fraudulent activity including accessing credit reporting for purposes of opening/accessing credit, etc.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-28 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: MI

Complaint narrative:
After reviewing my credit report, I discover accounts that I did not authorize. I'm sorry that I did not recognize or apply for about further investigation. I realized that my personal information was exposed, and several data breaches as well. 
I have no recollection of applying for any of these accounts in question, and they are negatively, negatively. Oh, my gosh! Impacting my credit per section 50, Usc, 1,681 c dash 2. Any fraudulent accounts. That I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These these fraudulent accounts are not only damaging my credit, but also causing me significant stress and XXXX. Okay, I have no connection to these accounts, and urgently request their immediate removal to prevent to prevent any further harm to my financial work. Well, being

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 2025-05-28 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: MI

Complaint narrative:
After reviewing my credit report, I discover accounts that I did not authorize. I'm sorry that I did not recognize or apply for about further investigation. I realized that my personal information was exposed, and several data breaches as well. 
I have no recollection of applying for any of these accounts in question, and they are negatively, negatively. Oh, my gosh! Impacting my credit per section 50, Usc, 1,681 c dash 2. Any fraudulent accounts. That I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These these fraudulent accounts are not only damaging my credit, but also causing me significant stress and XXXX. Okay, I have no connection to these accounts, and urgently request their immediate removal to prevent to prevent any further harm to my financial work. Well, being

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 2025-05-28 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: MI

Complaint narrative:
After reviewing my credit report, I discover accounts that I did not authorize. I'm sorry that I did not recognize or apply for about further investigation. I realized that my personal information was exposed, and several data breaches as well. 
I have no recollection of applying for any of these accounts in question, and they are negatively, negatively. Oh, my gosh! Impacting my credit per section 50, Usc, 1,681 c dash 2. Any fraudulent accounts. That I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These these fraudulent accounts are not only damaging my credit, but also causing me significant stress and XXXX. Okay, I have no connection to these accounts, and urgently request their immediate removal to prevent to prevent any further harm to my financial work. Well, being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NM

Complaint narrative:
I am filing a formal dispute regarding the reporting of XXXX collection and XXXX accounts appearing across XXXX XXXX XXXX XXXX XXXX XXXX Equifax. The accounts in question are : XXXX XXXX ( XXXX ) reported with a date of XX/XX/XXXX and a balance of {$4400.00}, and XXXX XXXX XXXX ( XXXX ) reported with a date of XX/XX/XXXX and a balance of {$370.00}. These accounts are inaccurately and unfairly impacting my credit standing during an extremely difficult period in my life. I recently lost my job, and trying to keep up with my responsibilities while confronting these reporting issues has caused immense emotional and XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any information on their credit reports that they believe to be inaccurate, incomplete, or unverifiable. According to XXXX XXXX. XXXX, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within XXXX days. If the information can not be verified, it must be deleted from the consumers credit file. Furthermore, for collection and XXXX  accounts, creditors and furnishers must comply with XXXX XXXX. XXXX, which mandates that they provide accurate and complete data and cease reporting unverifiable or outdated debts. 

Given the inconsistencies and potential errors in how these accounts are being reported, I have reason to believe that either the debts were misattributed, reported after the statute of limitations expired, or included due to a failure in accurate reporting procedurespotentially linked to a larger issue of data compromise that I was never informed of. These inaccuracies are not only unjust but also damaging at a time when Im trying to recover financially and emotionally from a series of setbacks beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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 XXXX XXXX XXXX ) that you, the credit reporting agencys block the 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. This fraudulent, inaccurate and false information consist of personal XXXX  card accounts, XXXX XXXX XXXX loans and XXXX XXXX XXXX consumer accounts. These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX inquiries as reported. The aforementioned accounts, collections and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and XXXX inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation