vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-01 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate, unverifiable, and nonMetro 2 compliant information on my credit file, despite my prior written disputes. 

Specifically : Personal Identifiers Misreported Equifax is reporting incorrect variations of my name ( e.g., XXXX XXXX XXXX XXXX, multiple outdated addresses ( e.g., XXXX XXXX XXXX XXXX XXXX, IL ), and employer information that does not belong to me. This is inaccurate and unauthorized under the FCRA. My correct legal identifiers are : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Failure to Maintain Metro 2 Compliance Multiple accounts, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not reported in a consistent, complete, or certifiably compliant Metro 2 format across all three bureaus. This deviation violates industry standards ( CDIA CRRG 34 ) and compromises data integrity.

Lack of Proper Investigation Under FCRA 611 ( a ) ( 2 ) ( B ), Equifax must forward all relevant dispute information to the furnisher for reinvestigation. After contacting the creditors directly, I have reason to believe Equifax failed to do so. This is a violation of FCRA 611.

Failure to Validate and Cease Reporting I exercised my rights under 15 U.S.C. 1692g ( b ) by requesting validation of the reported student loan/educational collection. Equifax and the furnisher failed to provide verification, yet the account continues to be reported. This constitutes unlawful collection and reporting activity.

Harm Caused These inaccurate and unverifiable entries are lowering my creditworthiness, preventing me from accessing fair credit opportunities, and violating my rights under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: AZ

Complaint narrative:
Subject : Complaint Against Experian Credit Bureau for FCRA Violations Dear CFPB, I am filing a formal complaint against Experian Information Solutions , Inc. for violations of the Fair Credit Reporting Act ( FCRA ). There has been a Chase Bill Pay account listed as XXXX  account and XXXX XXXX XXXX Bankruptcy listed on my credit report that I have continuously dispute and has even been told over the phone my dispute have been canceled for no reason. After refilled, it was not properly investigated it was just closed again. 

Experian has continued to report inaccurate information on my credit file. I submitted a disputes over 5 times and yet Experian failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i. The bureau verified the disputed account ( s ) without providing evidence or documentation from the creditor. This demonstrates Experians failure to investigate in compliance with federal law.

Their actions have caused me harm, including [ denial of credit, higher interest rates, emotional distress, etc. ]. I request that the CFPB take enforcement action to ensure Experian complies with its legal obligations. 

Attached are copies of my disputes, Experians responses, and supporting documents. 

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 2025-09-02 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
CFPB Complaint Draft * * Subject XXXX XXXX XXXX XXXX Reporting Inaccurate Information * * Complaint Against : XXXX XXXX XXXX XXXXXXXX XXXX XXXX * * Details of Complaint : * * I am filing this complaint because XXXX  is reporting inaccurate and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

# # # Inaccuracies Reported : * Regional Acceptance Corporation ( REGIONALAC ) Auto Loan Account * * XXXX is inaccurately reporting my account status as XXXX  days late, despite my payments being made on time. The reported * * last payment date of XX/XX/XXXX * * conflicts with the payment history that incorrectly shows a delinquency. Please see attached screenshots ( XXXXXXXX XXXX XXXX XXXX 

These inaccurate reports are negatively affecting my credit standing and causing financial harm. 

# # # Supporting Evidence : * Screenshots of REGIONALAC auto loan account ( XXXX, XXXX ) # XXXX # Legal Basis : Under the * * Fair Credit Reporting Act ( FCRA ) * *, XXXX  is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports ( 15 U.S.C. 1681e ( b ) ). The reporting of these inaccurate accounts demonstrates a failure to comply with this requirement. 

# # # Relevant CFPB Action : On * * XX/XX/XXXX * *, the Consumer Financial Protection Bureau ( CFPB ) fined * * XXXX  \ {$15.00} XXXX * * for failing to maintain reasonable procedures to ensure the accuracy of consumer credit reports and for deceptive practices regarding credit scores. This pattern of misconduct highlights XXXX systemic failure to protect consumers like myself.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal complaint against Experian for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXX XXXXwas previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Experian has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me XXXX XXXX, reputational harm, and unnecessary hardship. 
Experians actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for XXXX XXXX  and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>2025, which is attached and serves as legal notice of Experian s violation and my demand for immediate corrective action.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
# # # * * CFPB Complaint Inaccurate Credit Reporting ( XXXX  ) * * * * Category : * * Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Details * * I am filing this complaint against * * XXXX  * *, one of the major national credit reporting agencies, for reporting inaccurate and materially misleading information on my credit report. 

Attached is a screenshot ( XXXX ) from my credit report showing an entry for * * Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : * * Transworld Systems XXXX XXXX XXXX Account Opened : * * XX/XX/scrub> 2025 * * * Account Status : * * Open * * * Balance : * * \ {$160.00} * * * Remarks : * * Placed for collection ( reported twice ) * * * Last Reported : * * XX/XX/scrub>, 2025 This account entry appears inaccurate and should not be on my XXXX  credit report XXXX my name. It XXXX be a case of misattribution or identity confusion. I've not been notified by XXXX, Transworld, or any collector about this balance. Reporting this inaccurate information harms my credit reputation and my ability to secure credit, employment, or housing. 

Under the * * Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ) * *, XXXX  is required to follow reasonable procedures to assure maximum possible accuracy. XXXX  must also reinvestigate any disputed information and correct or delete unverified or inaccurate entries. 

Notably, the * * Consumer Financial Protection Bureau ( CFPB ) * * recently imposed a * * \ {$15.00} XXXX civil money penalty * * on XXXX  and ordered it to overhaul its dispute investigation procedures, after finding that XXXX  : * Reinserted previously deleted errors into credit reports * Ignored consumer-provided documentation during disputes * Used flawed software that produced inaccurate credit scores * Issued confusing and inconsistent reinvestigation letters ( [ Consumer Financial Protection Bureau ] [ 1 ] ) XXXX  failure to accurately report and fully investigate my account appears to violate these legal obligations and the standards established in the CFPBs enforcement order. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attachments * * * Screenshot showing the inaccurate Transworld Systems entry ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
I am submitting a follow up complaint to formally dispute certain accounts and inquiries appearing on my credit report, which I believe are inaccurate, unauthorized, or the result of identity theft. Federal law provides clear protections regarding the reporting and use of consumer informationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NY

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
To Whom It May Concern, I am formally disputing the fraudulent account that has been reported in my name with GS Bank USA. This account was opened without my knowledge, authorization, or consent. My ex-wife, XXXX XXXX, unlawfully used my personal information to open this credit card and incur charges. This constitutes identity theft and is a direct violation of federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, I have the right to dispute inaccurate or fraudulent information reported on my credit file. Because I never applied for, opened, or authorized this account, it is not a valid debt obligation of mine and should not be reported against me. 

Accordingly, I request that this unauthorized account be removed immediately from my credit report and that any negative entries related to it be deleted. Please conduct the legally required investigation and provide me with written confirmation once this fraudulent account has been removed.

I am prepared to provide a copy of my identity theft affidavit, police report, and any supporting documentation upon request.

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to dispute the fraudulent account that appears under my credit history. I never authorized this account, nor have I ever had any association with it. Its reporting is inaccurate, damaging, and can not remain on my file.

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