vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: PA

Complaint narrative:
Equifax deleted XXXX XXXX accounts but committed violations under the FCRA when it reinserted the ( XXXX ) XXXX accounts which now appear on my Equifax credit report illegally without providing notice to me initially before reinserting the accounts that I disputed as too old because each account has surpassed the XXXX year reporting period and therefore have illegally been RE-AGED. 
Remove all XXXX accounts from my Equifax credit report immediately. 
If the accounts are not removed I may be forced to seek legal representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: DC

Complaint narrative:
I am disputing multiple unauthorized hard inquiries that appear on both my Equifax and TransUnion credit reports. These inquiries were made without my permission, and neither credit bureau has provided any lawful documentation showing that these companies had a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiries are : XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> I never applied for credit with these companies on these dates, and I did not authorize them to access any of my credit reports. Under FCRA 604 ( a ) ( 2 ), a company may only obtain my consumer report if they have both a permissible purpose and my direct authorization. Neither exists. 

I disputed these inquiries with both Equifax and TransUnion. 
I also requested that each bureau provide documentation under FCRA 609 ( a ) ( 1 ) ( A ), including : A copy of any signed credit application The certification of permissible purpose The identity and contact information of the requester The date and method of authorization Any record of an adverse action notice ( as required by FCRA 615 ) Neither bureau has provided any of this information.

Under FCRA 611 ( a ) ( 1 ) ( A ), if an inquiry can not be verified with proper documentation, it must be deleted. 
Both credit bureaus are continuing to report these inquiries without verification, which violates : FCRA 604 impermissible access FCRA 609 ( a ) ( 1 ) ( A ) failure to disclose the source and documentation FCRA 611 ( a ) failure to properly reinvestigate FCRA 615 failure to provide notice of any use of my report I am requesting the CFPB to require both Equifax and TransUnion to : Delete all XXXX unauthorized inquiries Provide documentation showing permissible purpose ( if they claim XXXX exists ) Issue corrected consumer reports Confirm that unauthorized access to my credit file has stopped These inquiries were not authorized, not verified, and must be removed immediately 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 2025-11-29 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: FL

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-11-29 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SEVERAL ACCOUNTS THAT WERE OPENED WITHOUT MY PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SEVERAL ACCOUNTS THAT WERE OPENED WITHOUT MY PERMISSION.

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 2025-11-29 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: TX

Complaint narrative:
The credit bureaus are reporting information inaccurately and failing to maintain maximum possible accuracy as required under the Fair Credit Reporting Act. I have corrected and updated this account with the creditor, yet the bureaus continue to report outdated and misleading information. I have attempted to resolve this directly, but the bureaus have not properly investigated or updated the account. Their inadequate reporting is causing ongoing harm and does not comply with FCRA obligations for accuracy and proper reinvestigation.

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 2025-11-29 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:
__ EQUIFAX__ I am filing this FTC Identity Theft Affidavit to report separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX - XXXX - This is a result of identity theft .... These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-29 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: CA

Complaint narrative:
I purchased facial products from XXXX in XXXX CA on XX/XX/year> and came home washed my face with the product I purchased and applied the day/ night moisturizer I also purchased from XXXX XXXX On the XXXX XXXX I woke up with allergic reaction on my face I had little blisters and my face had a burning sensation and very irritated. I contacted the sales person XXXX and I told him about my allergic reaction he told me to come to the store and I told him I was going to bring the product back due to the allergic reaction I couldnt use it. When I arrived he told use it and just apply cold packs after. I also contacted health care provider and I did a XXXX dispute with Bank of America and they denied my claim because I left the product at the store with the sales person and he XXXX  give a credit and XXXX  the receipt had a stamped final sale. But I looked at XXXX policy if a product is defective and causes harm the final sale doesnt apply.

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 2025-11-29 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: OH

Complaint narrative:
To Whom It May Concern I am filing this complaint because my consumer report contains wrong address and account I have no knowledge of. I previously disputed these items, but the credit bureau failed to correct or properly reinvestigate them as required under the FCRA. These errors are harming me and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This address has no connection to me and keeping it in my file violates FCRA provisions including 602, 604, 607, 609, and 611 because information must be accurate, identifiable, and properly verified. Since this address is not mine and can not be validated, I demand that it be deleted immediately. 

XXXX XXXX Date Opened : XX/XX/year> Credit Limit : {$6900.00} Charge Off I have no knowledge of this account and the reporting of a charge-off without verifiable proof violates FCRA duties under 602, 607, 609, 611, and 623 because furnishers and reporting entities must retain documentation proving ownership, liability, accuracy, and completeness. Since prior reinvestigation failed to produce any lawful evidence and the account can not be verified with a signed contract or itemized record that meets statutory standards, I request full deletion.

I request CFPB assistance to require deletion of wrong address and account that do not belong to me, and to ensure the bureau complies with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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 filing this complaint because TransUnion is reporting accounts that are inaccurate, unverified, and harmful to my credit profile, and despite my disputes, TransUnion has failed to conduct a lawful reinvestigation as required under the Fair Credit Reporting Act. Under 15 U.S.C. 1681i, TransUnion must investigate and remove information that can not be verified with complete accuracy, yet the accounts listed below continue to appear even though I have no knowledge of these alleged debts and the furnishers have failed to provide proper documentation proving their ownership, the validity of the accounts, or any itemized evidence showing how the balances were calculated. 
The first inaccurate account is XXXX XXXX XXXX Account ending XXXX, listed with a high balance of {$1100.00}, opened on XX/XX/XXXX, and reported as a Charge Off. I have no knowledge of this account, never authorized it, never received billing statements or a contract, and TransUnion has never provided validation from the furnisher proving the account belongs to me. Reporting an account without complete verification is a direct violation of 15 U.S.C. 1681e ( b ). TransUnion must ensure maximum possible accuracy, and failing to remove an unverified charge-off after a dispute demonstrates a negligent and non-compliant reinvestigation process. 
The second inaccurate account is XXXX Account ending XXXX, listed with a high balance of {$900.00}, opened on XX/XX/XXXX, and reported as a Charge Off. I also have no knowledge of this account, never established any relationship with this creditor, never signed any contract, never received any statements, and the furnisher has failed to supply legally required validation. TransUnion is reporting this account without verifying its accuracy, which again violates 15 U.S.C. 1681i and 1681e ( b ), and is causing ongoing damage to my creditworthiness. 
TransUnion has a legal obligation to maintain only accurate, fully verified, and legally substantiated information. Reporting unverifiable charge-off accounts that I dispute and have no knowledge of is not only negligent but also harmful. I am requesting that the CFPB intervene and require TransUnion to conduct a lawful reinvestigation, obtain actual documentation from the furnishers, and remove both XXXX XXXX  XXXX and XXXX from my credit report if they can not provide complete, original, and verifiable proof that these accounts belong to me. 
I am requesting full corrective action, deletion of any unverified accounts, and confirmation that TransUnion has complied with the Fair Credit Reporting Act in its entirety.

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 2025-11-29 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: FL

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 XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: FL

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 XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, 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 2025-11-29 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 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 XXXXXX/XX/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 2025-11-29 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
Unauthorized charges were made on my cashapp account and if I dont get refunded right away my bank is going to overdraw and I am in the midst of buying a house so my loan will be cancelled. Someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
{$780.00} This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. 
According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: EQUIFAX, INC.
State: CA

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
Consumer complaint received 2025-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-11-29 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation