vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: RI

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
I recently reviewed a copy of my credit report and noticed several inaccuracies that are affecting my ability to obtain credit. I understand that you will investigate these items to ensure their accuracy. Below is the item I am requesting you verify. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-12 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 recently reviewed a copy of my credit report and noticed several inaccuracies that are affecting my ability to obtain credit. I understand that you will investigate these items to ensure their accuracy. Below is the item I am requesting you verify. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XX/XX/year> my business account 's was close and not available to me. Total amount of {$190000.00}. Bank told me I have to wait 30 to 60 days. For review of account 's. In XXXX XX/XX/year> i received leather from the bank declaring closure fo account. On XXXX XX/XX/year> and shortly chick will be in the mail. And now I've been told, I have to wait another 30 to 60 days. After 65 days past, I still don't have any idea why they close my account for what reason. No one willing to provide any detailed information about my account 's. Only information I have is 30 to 60 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 monetary relief
Consumer complaint received 2025-08-12 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:
Experian is reporting multiple fraudulent accounts that I did not authorize or open. I disputed these accounts with Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof including signed applications and account records, as required under the Fair Credit Reporting Act ( FCRA ). Experian has failed to provide any such proof yet continues to report these accounts, causing ongoing harm to my credit. I am requesting the immediate removal of all fraudulent accounts and a corrected 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 explanation
Consumer complaint received 2025-08-12 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Early Warning Services , LLC Attn : Consumer Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information Due to Identity Theft To Whom It May Concern, I am writing to formally dispute inaccurate information in my consumer file with Early Warning Services. I am a victim of identity theft, and I did not open or authorize the accounts listed below. 

These accounts are fraudulent and must be blocked from my file in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) : XXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I recently applied for a bank account and was denied due to these false records. I request that you immediately block and remove these accounts from my file, investigate this matter, and send me written confirmation of your actions. 

Enclosed are copies of supporting documents : A copy of my government-issued photo ID Proof of address A copy of my police report or FTC Identity Theft Report Please process this request as required by law and update me in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX have never been late. Ive always had a great payment history with XXXX XXXX, and all my payments were set up on autopay. The late payment showing up on my report is actually due to a system error on their side when processing my payment. This billing mistake is completely on the companys end and doesnt reflect how I manage my payments. It also violates the USC Code 1681eb.

Because of this error, Ive suffered serious damage to my reputation, character, lifestyle, and its affected my family too. I demand that this late payment be removed from my report immediately.

These companies arent following the law specifically 15 USC 1666b which requires creditors to have proper procedures before marking a payment as late. They never sent me the required periodic statements or disclosures at least 21 days before the payment due date, as mandated by 15 USC 1666b ( a ).

Ive asked them to provide proof that the statements were mailed or delivered on time, as allowed under rule 1002, but they have failed to provide it. This is unfair, illegal, and fraudulent. I expect the late payments to be deleted from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: DC

Complaint narrative:
I have disputed and requested investigations for ALL of these accounts and they have been fraudulently verified more than once. If they are not removed, I will be seeking punitive and statutory damages of the highest degree per violation. Each one of them is reporting differently to each bureau. Additionally, they are manipulating the statue of limitations for reporting. This is illegal under the Fair Credit Reporting Act and I will move forward with legal counsel if they are not removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-12 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
A few things noticed on credit report on XX/XX/XXXX XXXX XXXX XXXX same hard inquiries from same company XXXX, Also XX/XX/XXXX XXXX XXXX XXXX XXXX has a hard inquiries not authorized by me or a dealer to pull a hard inquiries and I did call dealership and they noted it was there fault and it was to be a soft pull and was not, I also contacted XXXX and they are aware but told me I had to contact credit report to have it removed and they filed a complaint about the dealership who did the pull without my permission! Also I got a notification that XX/XX/XXXX a company called XXXX XXXX DID hard inquiry No idea who they are! Never authorized them!!! Also got notified on XX/XX/XXXX SYNCB/LOWES CONSTRUCTION DID A HARD INQUIRY WITHOUT MY PERMISSION AS I HAVE NO IDEA WHO THIS IS, and I have NOT AUTHORIZED ANYONE TO OPEN ANY ACCOUNTS!!! I report this as FRAUD AND WOULD LIKE THEM OFF MY REPORT PLEASE, all THIS INFO IS ON XXXX XXXX AND MY XXXX  XXXX ACCOUNT

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 2025-08-12 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2025-08-12 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 explanation
Consumer complaint received 2025-08-12 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:
Date : XX/XX/XXXX, XXXX. Parties & JurisdictionWho : Consumer : XXXX XXXX XXXX XXXX, TX ) Violators : TransUnion, Equifax, Experian, XXXX BankGoverning Laws : FCRA, FDCPA, GLBA, Texas Finance Code 392II. Factual ChronologyWhat Happened & When:XXXX : XXXX issuedIRS Form 1099-C ( 26 U.S.C. 6050P ), voiding debt.XXXX XXXXXXXX, XXXX : Credit denial by XXXX XXXX XXXX due to false " charged off '' status ( Adverse Action Notice.pdf ) XXXX XXXX, XXXX : XXXX confirmed systemic errors and demanded tradeline deletion ( XXXX XXXX ) .Ongoing ( XXXX ) : CRAs retained canceled debt as " active, '' violating Metro 2 standards.III. Legal Violations BreakdownA. FCRA Violations ( 15 U.S.C. 1681e ( b ), 1681i ) Failure to Ensure Accuracy ( 1681e ( b ) ) : How : Reported canceled debt as " charged off '' ( Code 93 ) instead of " canceled '' ( CXXXX XXXX ) .Legal Standard : Cushman v. Trans Union ( 3rd Cir. XXXX ) : CRAs must verify beyond furnisher responses.Evidence : XXXX XXXX XXXX incorrect coding.Defective Reinvestigation ( 1681i ) : How : Used automated e-OSCAR system to dismiss disputes without manual review.Legal Standard : Norman v. Trans Union ( E.D. Pa. XXXX ) : Automated systems violate FCRA.B. FDCPA Violations ( 15 U.S.C. 1692e ( 8 ) ) Why : Misrepresented debt status to third parties post-cancellation.Evidence : Credit denial by XXXX, XXXX XXXX XX/XX/XXXX ) .C. GLBA Violations ( 15 U.S.C. 6802 ) What : Equifax shared nonpublic data without opt-out consent.Evidence : Texas AG Complaint XXXX. Texas Finance Code 392.304 ( a ) ( 8 ) Where : Texas ( XXXX XXXX ) .How : Falsely reported " balance owed '' after 1099-C cancellation.IV. Metro 2 & e-OSCAR ViolationsStandardViolationLegal AuthorityMetro 2 Code 09Used Code 93 ( " Charged Off '' ) instead of 09CFPB Exam Manual ( XXXX ) e-OSCAR ACDV ComplianceAutomated dispute responses ignored 1099-CRoberts v. Carter-Young ( XXXX XXXX. XXXX ) Furnisher DutyXXXX failed to correct systemic errors15 U.S.C. 1681s-2 ( b ) V. Discovery DemandsMetro 2 Data Fields : ProduceAccount Status CodeandCompliance Condition Codefor Acct # XXXX Logs : Disclose all ACDV responses since XXXX.Furnisher Records : Provide XXXX 1099-C issuance and removal requests.Deadline : 10 business days from receipt.VI. Settlement DemandImmediate Relief : Delete tradeline # XXXX and confirm in writing byXXXX.Pay statutory damages XXXX XXXX XXXXviolation ( FCRA 1681n ) .Failure to Comply : Litigation filed in XXXX XXXX, TX, seeking : Punitive damages underSean Owens v. Experian ( XXXX. XXXX. XXXX ) .Injunctive relief for Metro 2 compliance.Attachments : XXXX 1099-C & Removal LetterCFPB Complaint # XXXX Report # XXXX. Legal Authority : FCRA : 15 U.S.C. 1681e ( b ), 1681i FDCPA : 15 U.S.C. 1692e ( 8 ) Texas Finance Code : 392.304 ( a ) ( 8 ) CFPB Regulation F : 12 CFR Part 1006

Company response to consumer: Closed with non-monetary relief