vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
in accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. state i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
in accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. state i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions

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 2025-10-23 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: CA

Complaint narrative:
I am submitting a formal identity theft blocking request under the Fair Credit Reporting Act ( FCRA ) Section 605B. I reviewed my credit file and discovered several hard inquiries that I did not initiate, authorize, or consent to. These inquiries include : XXXX XXXX XXXX  - Equifax ; XXXX XXXX XXXXXX/XX/XXXX - Equifax ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - TransUnion ; XXXX XXXX XXXXXX/XX/XXXX -TransUnion . I never applied for credit with these companies. My personal information was used without my permission. 

These inquiries were made as a result of identity theft, and I am requesting that you immediately block and remove them from my TransUnion credit report as required by FCRA 605B. Must be handled by the Fraud Department. 

I am attaching : 1. A copy of my ID 2. Proof of current address 3. A pending police report confirming the identity theft 4. A copy of my SSN Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law. 

Please respond with written confirmation that these inquiries have been removed permanently and that my case has been referred to your fraud department as required.

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 2025-10-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because the credit reporting agencies Experian, Equifax, and TransUnion are reporting multiple inaccurate and unverifiable accounts on my credit file, including a bankruptcy that does not belong to me. I have disputed these items several times and have requested verification in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which requires the bureaus to conduct a reasonable investigation within 30 days.

Despite my repeated requests, the bureaus have failed to properly investigate or remove the accounts, and they continue to furnish and publish false information in violation of 1681e ( b ) ( failure to maintain accuracy ) and 1681s-2 ( a ) ( furnishing inaccurate information ).

I have mailed and electronically submitted formal dispute and cease-and-desist letters to all three credit bureaus, and I have clearly stated that I have no connection to the reported bankruptcy or several of the accounts listed. I also requested deletion of unauthorized inquiries and correction of my address, which remains incorrect on multiple reports. 

These actions have caused financial harm and emotional distress, including denial of credit and higher interest rates due to inaccurate reporting. I am seeking immediate correction, deletion of unverifiable items, and confirmation that my file has been updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
I am filing this complaint because the credit reporting agencies Experian, Equifax, and TransUnion are reporting multiple inaccurate and unverifiable accounts on my credit file, including a bankruptcy that does not belong to me. I have disputed these items several times and have requested verification in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which requires the bureaus to conduct a reasonable investigation within 30 days.

Despite my repeated requests, the bureaus have failed to properly investigate or remove the accounts, and they continue to furnish and publish false information in violation of 1681e ( b ) ( failure to maintain accuracy ) and 1681s-2 ( a ) ( furnishing inaccurate information ).

I have mailed and electronically submitted formal dispute and cease-and-desist letters to all three credit bureaus, and I have clearly stated that I have no connection to the reported bankruptcy or several of the accounts listed. I also requested deletion of unauthorized inquiries and correction of my address, which remains incorrect on multiple reports. 

These actions have caused financial harm and emotional distress, including denial of credit and higher interest rates due to inaccurate reporting. I am seeking immediate correction, deletion of unverifiable items, and confirmation that my file has been updated accordingly.

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 2025-10-23 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-10-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this affidavit to document Experians failure to correct inaccurate personal information on my credit report. My legal name is XXXX XXXX XXXX. I have no aliases or alternate spellings. My sole and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as shown on my California drivers license ( attached ). I have lived exclusively in California since XXXX. 
Experian continues to report an outdated address associated with my parents, which I have not lived at since XXXX. They do not show my current address at all. I submitted multiple disputes, including a formal affidavit on XX/XX/XXXX. On XX/XX/XXXX, Experian emailed me stating that my dispute was resolved, but when I logged into my dashboard, no dispute results were visible and no changes were made. 
These actions violate FCRA 611 ( a ), 611 ( a ) ( 5 ), 611 ( a ) ( 6 ), 611 ( a ) ( 7 ), and FTC Act 5. I demand that Experian remove all names other than XXXX XXXX XXXX, delete all addresses other than my current, add my current employer ( XXXX XXXX XXXX ), and provide the method of verification used to retain the disputed data.

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 2025-10-23 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
XXXX Account Opened fraudulently in XXXX  now in collections. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor sold to Collectors> SPRING OAK- fails to conduct due diligent investigation and reporting falsely to credit bureaus. Please help! 
See thread of companies and partied involved : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXSpring OaksXXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
This letter is a formal dispute under FCRA 602 ( a ), 607 ( b ), 611 ( a ), and 623 ( a ) regarding the following inaccurate and unverifiable tradelines appearing on my credit report. 
Disputed Accounts : 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 Each contains contradictory payment data, inaccurate statuses, or unverifiable activity dates. Continuing to furnish this data violates 623 ( a ) ( 1 ) ( A ) and the maximum accuracy standard in 607 ( b ).

Additionally, because of the TransUnion Data Breach, I require confirmation that my personal and financial data has not been compromised, as required under FCRA 605A and GLBA. 
Requested Actions Complete reinvestigation within 30 days ( 611 ( a ) ( 1 ) ( A ) ).

Delete or correct unverifiable information. 
Provide furnisher verification details. 
Send an updated TransUnion report. 
Failure to comply will result in formal complaints to the CFPB, FTC, and Florida Attorney General, along with pursuit of damages under 616617.

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 2025-10-23 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 explanation
Consumer complaint received 2025-10-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, name, and date of birth, as well as inaccurate inquiries that should be removed. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and credit bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I am formally disputing the validity and legality of the following collection accounts appearing on my credit report : Consumer Adjustment Co Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$2700.00} XXXX XXXX  Balance : {$2400.00} I have reason to believe that my personal and financial information was illegally obtained and sold to these third-party collection agencies without my knowledge, consent, or contractual agreement. This action is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which mandates that information furnished to credit reporting agencies must be both accurate and obtained through lawful means. 

Furthermore, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), debt collectors are prohibited from using deceptive, unfair, or unlawful means to collect or attempt to collect any alleged debt. The unauthorized transfer or sale of my personal data to a third party for collection purposes constitutes an unlawful disclosure of private consumer information, violating Section 805 ( b ) and Section 806 of the FDCPA.

I demand that both the credit bureaus and the collection agencies immediately : 1. Provide written proof of my authorization or consent permitting the original creditor ( XXXX XXXX XXXX XXXX  ) to release or sell my account information to any third party. 
2. Provide a copy of the signed contract or agreement bearing my signature that legally binds me to the alleged debt.

3. Delete the disputed collection accounts from all consumer reporting agencies within five ( 5 ) business days of receiving this notice, as required under FCRA 611 ( 15 U.S.C. 1681i ) for unverifiable or unlawfully reported information. 

If these accounts are not verified with proper documentation within the allotted time, or if evidence of lawful transfer is not provided, I expect immediate deletion of these items from my credit report and confirmation of such in writing. 

Failure to comply will leave me no choice but to pursue further action with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office for violations of federal consumer protection laws. 

Please treat this matter as urgent and respond in writing within five ( 5 ) business days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year>, XXXX unauthorized transactions totaling {$280.00} were made from my Bank of America account without my permission. I did not recognize these charges, nor did I authorize anyone else to make them. 

I contacted Bank of America immediately after noticing the transactions and filed a formal dispute. The bank confirmed that my case was under review, but since then, it has been under research with no clear resolution. Recently, I was informed that I am not automatically entitled to a refund, despite having reported the charges promptly and having no involvement in the transactions. 

I have followed all required steps, including submitting documentation and verifying my identity, but I have not received my refund or a satisfactory explanation. I believe the bank has not handled this matter appropriately under federal protections for unauthorized transactions. 

I am requesting assistance to ensure that my dispute is properly reviewed and that I am reimbursed for the {$280.00} that was withdrawn without authorization.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank ( CareCredit ) closed my credit card account on an active promotional dental financing plan without notice. I was under 0 % APR. I now face unexpected interest and repayment changes. This violates Regulation Z of the Truth in Lending Act. I want full reinstatement of the promo terms and an explanation of account closure.

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 2025-10-23 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 explanation