vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint for violations of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) by credit reporting agencies and data furnishers. Despite having disputed and successfully removed fraudulent accounts from my credit file, they have now been reinserted without proper notice or compliance with federal law. 

Per FCRA 611, if a previously deleted item is reinserted, the consumer must be : Notified in writing within 5 business days of the reinsertion, and Provided with the name, address, and phone number of the entity that furnished the information. 

I never received such notice, which makes the reinsertion unlawful. This is causing serious damage to my creditworthiness and financial standing. 



Fraudulent Accounts Reinserted : 1. XXXX XXXX XXXXXXXX Account # : XXXX XXXX began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX These accounts were opened without my knowledge or consent. I reported them as identity theft and filed an FTC Identity Theft Report ( Report # : XXXX ), dated XX/XX/XXXX. Despite this, the accounts have been unlawfully reinserted. 



Fair Resolution Requested : 1. Immediate and permanent deletion of all three fraudulent accounts from my credit reports with Experian, Equifax, and TransUnion. 
2. Written confirmation that these accounts will not be reinserted unless full FCRA reinsertion procedures are followed. 
3. Enforcement of FCRA 605B, which requires blocking of identity theftrelated data after submission of a valid Identity Theft Report. 
4. Investigation of XXXX XXXX XXXXXXXX and XXXX, and any third-party furnishers, for violating FCRA 623 ( a ) ( 6 ) by re-reporting previously disputed fraudulent data. 
5. Restoration of my credit report, including removal of all derogatory references tied to these accounts. 
6. CFPB oversight and enforcement to ensure that credit bureaus and furnishers are held accountable for unlawful practices. 



Thank you for your attention to this matter. I trust the CFPB will take prompt and appropriate action to uphold my rights under the law. Please see the enclosed FTC Identity Theft Report for documentation.

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 2025-07-10 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-10 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: AR

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud.ARCHILDSUPPT XXXX XXXX XXXX XXXX Balance : {$34.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00}

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 2025-07-10 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: AR

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud.ARCHILDSUPPT XXXX XXXX XXXX XXXX Balance : {$34.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
I recently discovered that a fraudulent account was opened in my name without my knowledge or consent. I did not authorize this account, make any charges, or apply for credit with this company. I believe my personal information was used without my permission. I am requesting that this account be removed from my credit report and that all associated inquiries be blocked. I have never done business with this company and have no relationship with them. This is a case of identity theft. 15 U.S.C. 1681i : You are required to investigate any disputed information and remove inaccurate or unverifiable accounts within 30 days.

15 U.S.C. 1681s-2 ( b ) : The furnisher ( debt collector/creditor ) must verify the debt or have it deleted.

15 U.S.C. 1681e ( b ) : You must ensure the maximum possible accuracy of information on consumer reports.

15 U.S.C. 1681c-2 : If this debt is the result of fraud or identity theft, you must block its reporting.

15 U.S.C. 1692g : The debt collector must provide proper validation of the debt if requested.

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 2025-07-10 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 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: FL

Complaint narrative:
I am writing to dispute inaccurate and obsolete information on my credit reports under Sections 611 ( a ) and 623 ( b ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. Despite multiple prior disputes ( first initiated in XX/XX/year> ), Experian and Equifax continue to report the following erroneous information : Foreclosure proceedings ( Case # XXXX, XXXX XXXX XXXX FL XXXX. 
Late payments associated with my XXXX XXXX XXXX  XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Unreasonable Hold on Cleared Funds by Bank of America Description of Complaint : I opened a business checking account with Bank of America on XX/XX/year>, under an LLC where I am a listed owner. On XX/XX/year>, I deposited a {$50000.00} check into this account. The check was from my personal checking account at XXXXXXXX XXXX, which I also own. 

The funds were withdrawn from my XXXX account on the same day, XX/XX/XXXX, clearly indicating the check cleared. However, Bank of America placed a hold on the funds and stated they will not be available until XX/XX/XXXX, XXXXa 10-day hold. 

This hold is excessive and unjustified, especially since : The check has already cleared and funds were withdrawn from my XXXX account. 

The funds are from my own account, not a third party. 

I am the owner of both the issuing and receiving accounts. 

Despite contacting Bank of America to explain the situation and provide proof of cleared funds, they refused to release the funds early. I believe this is an unfair banking practice and a misuse of Regulation CC, possibly allowing Bank of America to earn interest on my funds while denying me access. 

I am requesting that the CFPB review this case and ensure Bank of America : Releases my funds immediately. 

Provides a clear explanation for the extended hold. 

Is held accountable for withholding access to funds that have already cleared. 

Bank : Bank of America Account Type : Business Checking Deposit Date : XX/XX/year> Hold Until : XX/XX/year> Amount : {$50000.00} Check Drawn From : My personal XXXXXXXX XXXX account Thank you for your assistance.

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FISERV FINXACT CORE
State: MN

Complaint narrative:
Our small business used Clover services who uses fiserv. In the past couple years we noticed that Fiserv was taking a substantial amount of money every month which forced us to recently switch XXXX. On XX/XX/XXXX, I informed Fiserv that we no longer needed their services and to close our account. 

The following charges were deducted from my business account after closing our account with Fsierv. 
XX/XX/XXXX : {$62.00} XX/XX/XXXX : {$97.00} and {$100.00} XX/XX/XXXX : {$62.00} XX/XX/XXXX : {$97.00} XX/XX/XXXX : {$62.00} After closing our account, we continue to be debited every month {$62.00}. Other additional amounts were also being deducted to which I recently discovered was because representatives from Fiserv had us make several accounts for the same service but never informed us that the previous accounts are still open and therefore we were still being charged for. So Fiserv was charging our small business for the same services through these accounts. 

After providing all accounts we ever had, Fiserv did not apologize or address why it was that we had multiple accounts for the same service. 

When asked for clarification regarding the reoccurring charge, Fiserv would direct us to their lending office saying that we still have leased equipment to pay for, which was picked up by a representative in XXXX. We initially asked this representative to pick up the equipment as soon as possible as we feared they would continue to charge us until the equipment was returned. I have confirmed multiple times with the leasing department that we do not owe anything for equipment, and they informed us that if we continue to see charges that we must speak with Fiserv financial department.

Fiserv has failed to respond about my concerns regarding their poor consumer practice of collecting through multiple accounts. My small business continues to be deducted this charge and Fiserv has stopped responding to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
Subject : Formal Complaint Against Equifax FCRA Violations, Identity Theft, and Improper Use of Automated Dispute Systems ( e-OSCAR ) Complaint Summary : I am filing this complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically related to their failure to conduct a manual and meaningful reinvestigation of fraudulent and inaccurate items on my credit report. Despite multiple disputes and supporting documentation, Equifax has relied on automated dispute processing systems such as e-OSCAR, which do not satisfy the legal requirements for thorough investigations under 15 U.S.C. 1681i ( a ).

Manual Investigation Request Statement : I am formally requesting that all disputed items on my Equifax credit report undergo a manual reinvestigation, as required under the FCRA. Automated systems like e-OSCAR are not capable of properly evaluating the complexity of identity theft cases or verifying documentation such as : FTC Identity Theft Reports Police Reports FCRA 605C Self-Attestation Statements Supporting affidavits and dispute narratives I am requesting written confirmation that Equifax : Did not rely solely on e-OSCAR or automated verification tools. 

Manually reviewed all supporting documentation I submitted. 

Contacted each furnisher individually with my specific allegations.

Verified whether furnishers conducted a proper FCRA 1681s-2 investigation.

Failure to complete a manual investigation and failure to notify me of the method of verification for each account is a violation of FCRA 611 ( a ) ( 7 ).

Additional Violations and Timeline : On XX/XX/2025, I filed my first complaintEquifax closed it without adequately addressing my concerns. 

On XX/XX/2025, I re-submitted additional evidence, and the investigation again concluded with a generic non-monetary relief response. 

On XX/XX/2025, I provided more documentation via a phone-submitted CFPB complaint. Equifax responded on XX/XX/2025 without detailing verification steps or providing names of furnishers involved. 

Despite repeated documentation and proof of identity theft, including multiple FTC reports and law enforcement case numbers, Equifax continues to report disputed, inaccurate, or unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account starting in XXXX, XXXX, XXXX that are inaccurate and bot properly verified I have disputed this directly with the credit bureaus and the furniture but the late payments remain without without proper validation or documentation under 15 USC1681S2A furnitures must report accurate information under 15USC1681I the credit bureaus must perform a reasonable investigation within 30 days either of them have provided sufficient evidence to support the negative reporting 15 USC 6801 states that all confidential information on your credit report must be verified and it was not

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 2025-07-10 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: AL

Complaint narrative:
Dispute of Inaccurate Late Payment Reporting - Request for Investigation I am disputing a late payment reported by the following creditor : * * Creditor : * * XXXX XXXX XXXX XXXX * * Account Type : * * Secured Credit Card * * Reported Late Payment Date : * * XX/XX/year> * * Credit Bureaus Affected : * * Equifax, TransUnion I believe this late payment was reported in error. I made a payment in good faith and believe the timing or processing of the payment may have led to a misreport. This single 30-day late mark is significantly damaging my credit despite my otherwise consistent payment behavior. I was not notified or warned prior to the negative reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accoun0ts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.

Thank you for your immediate action to this issue. 
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