vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal, has violated my rights. 

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

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

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

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

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 2025-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
b"To Whom It May Concern,\nI am writing to formally lodge a complaint regarding Bank of Americas and XXXX continued involvement in the reporting of fraudulent credit card accounts under my name, which constitutes a serious violation of the Fair Credit Reporting Act (FCRA).\nOn XXXX XXXX XXXX Bank of America finally acknowledged and removed two fraudulent credit card accounts from my credit file after I submitted the necessary documentation proving identity theft over 1 year and 2 months of communication. The details of those fraudulent accounts with outstanding balances are:\nCredit Card Ending in XXXXnBank of America Claim Number: XXXX\nAmount: XXXXXXXXCredit Card Ending in XXXXnBank of America Claim Number: XXXXnAmount: XXXXnDespite these removals, I was shocked to discover on XXXX XXXX XXXX that a third fraudulent Bank of America credit cardwhich I never applied forwas newly added to my credit report that was previously not on my credit report:\nCredit Card Number: XXXX XXXX XXXX XXXXLet me be absolutely clear: I have never applied for a Bank of America credit card in my life. The continued reporting of fraudulent accounts is not only negligent, it is a knowing violation of the FCRA, which requires that all furnished credit information be accurate and verifiable.\nI demand that this third fraudulent account be immediately investigated and removed from all credit reporting agencies. \nPlease confirm in writing that this fraudulent account has been removed and that no further Bank of America accounts will be opened or reported in my name without proper identity verification."

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 2025-06-26 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CT

Complaint narrative:
I have a collection on my Equifax credit report that is out dated. It's stemming from a 7 year old debt that I have no knowledge of. I have been trying to dispute the information with Equifax to have it removed however, their online submission does not allow me to submit anything. It directs me to call a customer service number, which I've done several times, and have been redirected to several operators who can not seem to fix the issue.

The original debt is with a company called XXXX and it shows the original date of delinquency in 2018. The collection is filed under XXXX XXXX XXXX. which I disputed in the past, and asked for supporting documents, which were not received. I have attached images of the files as they appear on my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-26 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 have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
After carefully reviewing my credit report, I identified several accounts that I did not open, authorize, or apply for. Further investigation revealed that my personal information was compromised in multiple data breaches, which may have led to the fraudulent use of my identity. 

I have no recollection of initiating any of the accounts in question. These accounts are inaccurately reporting under my name and are negatively impacting my credit profile. Pursuant to 15 U.S.C. 1681c-2, any fraudulent accounts resulting from identity theftwithout my authorization or any signed contractmust be blocked and removed from my credit report within four ( 4 ) business days of receipt of this request. 

These accounts are not only harming my credit standing but are also causing undue emotional distress. I have no affiliation or responsibility for them and urgently demand their immediate removal to prevent further damage to my financial health.

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 2025-06-26 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I walk inside of pnc bank to make a withdrawal the branch manager was extremely rude due to previous dealings with an issue withdrawing my funds. I have a balance of {$1200.00} which I was trying to withdraw. She went in the back came out with a number and told me to call the fraud department and she couldnt verify my identity which I just left the dmv and got a new Id, I didnt have a card because my purse Id and phone was stolen. I tried to log in to my account once I walk outside the bank when I entered my car I was already racially profiled and deem that I was committing a crime I am not the first XXXXXXXX XXXX person in that bank that was treated unfairly by this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-06-26 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX/COMENITY/XXXX  ( Comenity Capital Bank ) is furnishing inaccurate, misleading, and non-compliant information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX  reporting standards . The payment history reflects " Charge-Off '' ( CO ) statuses every month from XX/XX/XXXX through XX/XX/XXXX, which is impossible and misleading. A charge-off is a one-time event, not something that is reported month after month for over two years. This artificially extends the derogatory impact of this account on my credit profile.

Additionally, the payment history shows blank or missing data for most of XXXX, then suddenly reflects a charge-off in XX/XX/XXXX without any consistent late payment history leading up to it, which is inaccurate and incomplete.

The account balance history also reflects a stagnant balance of {$740.00} and reports that " {$0.00} was paid on XX/XX/XXXX '' every single month from XXXX through XXXX, which is impossible. Payments can not be reported as being made after the account was charged off and closed. This contradictory reporting damages the integrity of the information being furnished.

Despite disputing this account, Comenity has failed to reasonably investigate or correct these inaccuracies as required under FCRA 1681s-2 ( b ). The continued furnishing of false, incomplete, and misleading data harms my creditworthiness and violates both federal law and XXXX XXXX  reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XXXX XXXX XXXX XXXX called Equifax, XXXX  and XXXX  requesting the following be removed from my credit report due to the fact that the debt has been paid through charge off and or closed as well as containing inaccurate information. The disputes are listed as follows : 1. ) {$15000.00} Open account. 
XXXX. ) {$0.00} XXXX XXXX closed account. 
XXXX. ) {$0.00} XXXX XXXX closed account. 
XXXX. ) {$400.00} XXXX XXXX closed account. 
XXXX. ) {$290.00} XXXX XXXX closed account. 
XXXX. ) {$660.00} XXXX XXXX closed account. 
XXXX. ) {$1000.00} XXXX XXXX closed account. 
XXXX. ) {$470.00} XXXX XXXX closed account. 
XXXX. ) {$0.00} XXXX  XXXX XXXX XXXX closed account. 
XXXX. ) {$590.00} XXXX XXXX closed account. 
XXXX. ) {$480.00} XXXX XXXX XXXX  collection. 
XXXX. ) {$560.00} XXXX XXXX collection. 
XXXX. ) {$1300.00} XXXX XXXX XXXX collection. 
XXXX. ) {$8400.00} XXXX XXXX XXXX collection. 
XXXX. ) {$930.00} XXXX XXXX XXXX  collection. 
The are items I am disputing and requesting they be removed from my credit report. 
Thank you for your time and consideration, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NM

Complaint narrative:
Back in early XXXX I was having trouble with fraud and identify theft that started around the pandemic. I went to XXXX and bought a {$40.00} XXXX prepaid phone and phone card. I had multiple issues and only used the phone for about a month or two and showed New Mexico State Police Problems I was having with phone and was advised to throw phone away since it was a prepaid burner phone. I also spoke with associate at XXXX store on XXXX at the time but they were unable to fix problems I was having so phone was disposed of. There was no phone contract as it was a prepaid, service that required purchase of data and cellular plan monthly. I spoke to XXXX XXXX at the number on my credit report back in or around XX/XX/year> and they transferred me to the prepaid number who stated this issue would be resolved yet it remains on my credit. This morning I contacted XXXXXXXX XXXX at the phone number XXXX and provided them with the reference number XXXX and spoke with a female by them name of XXXX. She asked for further information such as account number and phone number. I informed her I did not recall phone number and credit report did not provide an account number and I have never received any correspondence for this issue. She stated without either she could not help me. I then notified XXXX  once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has me on their XXXX list. Its been XXXX years since my bankruptcy during which time they had to close my account. 
I used the protections afforded to me under the bankruptcy laws, and re-organized my debt almost 15 years ago. Since then, Ive paid off my house, I have an XXXXXXXX XXXX score and make XXXX dollars a year through a XXXX. When I apply they dont even check my credit. They have me on their XXXX list and do not give me an opportunity to re-establish a commercial relationship with them. They are retaliating against me for using exercising my right to seek banckruotcy protection and now denied me credit with absolutely no basis in fact or checking my ability to repay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8500.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting inconsistent information across TransUnion, Experian, and Equifaxsuch as different balances, payment amounts, last activity dates, and a 30-day late mark that only appears on one bureau. These inaccuracies are hurting my credit score and may violate the Fair Credit Reporting Act.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting inconsistent information across TransUnion, Experian, and Equifaxsuch as different balances, payment amounts, last activity dates, and a 30-day late mark that only appears on one bureau. These inaccuracies are hurting my credit score and may violate the Fair Credit Reporting Act.

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