vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-08-07 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

DEPT OF EDUCATIONXXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

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 2025-08-07 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AL

Complaint narrative:
[ PROOF OF IDENTITY HAS BEEN SUBMITTED WITH THIS COMPLAINT : XXXX FOR PROOF OF ADDRESS AND SOCIAL, AND LICENSE FOR PROOF OF IDENTITY WITH CURRENT ADDRESS ] This is my third formal attempt to resolve inaccurate and inconsistent reporting of my XXXX XXXX XXXX auto loan. Although I am not disputing ownership of this account, and do not want the tradeline removed, the bureaus have failed to correct multiple issues that materially impact the accuracy of my credit file. These include : inconsistent dates of last activity and payment across all three bureaus ; differing current balances ; omitted loan terms ; and misclassification of the account type. These inconsistencies violate FCRA 1681e ( b ), 1681i ( a ), and 623 ( a ) ( 1 ) ( A ), as well as recent case law ( XXXX  v. Equifax, XXXX XXXX Equifax, XXXX XXXX Experian ) which confirms that credit bureaus have a duty to reconcile conflictsnot ignore them. 

I previously disputed a late payment from XX/XX/year> which was caused by compromised access to my payment method. That incident was documented and reported, and I submitted a valid FTC identity theft report under FCRA 605B. Despite this, the late payment remains, and no verification method has been provided. I was referred by XXXX XXXX to dispute directly with the bureaus, and yet no resolution has been made even after multiple attempts. 

Additionally, both TransUnion and Equifax have made it unnecessarily difficult to review or update my own credit file by restricting access to their online dispute portals after I submitted my FTC Identity Theft Report. This has nothing to do with accessing someone elses file! I am simply trying to monitor and dispute inaccuracies on my own report. Instead of facilitating resolution, these bureaus are creating barriers by requiring redundant verification documents through the mail, despite already having my identification on file. This practice severely limits my ability to follow up on unresolved items and forces me to go through slower channels like mail or the CFPB, making it harder to exercise my rights under the FCRA.

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 2025-08-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I am disputing a collection account reported by Sunrise credit services on my credit report. This account is not mine. I have previously requested validation of this debt from the agency, and they failed to provide sufficient evidence that the debt is accurate and belongs to me. 

Under the Fair Credit Reporting Act ( FCRA ), unverified and inaccurate information must be removed. This collection is harming my creditworthiness and causing undue financial and emotional distress. 

I am requesting that this matter be investigated and that the collection account be deleted from all consumer credit reports immediately.

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 2025-08-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00}

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 2025-08-07 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: EQUIFAX, INC.
State: WI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-08-07 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$4800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX XXXX XXXX XXXX XXXX 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.

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 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-07 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: LA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-07 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-07 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: CA

Complaint narrative:
There is an account on my credit report that does not belong to me and was opened without my authorization. I did not provide permission for any creditor to establish or report this account under my name. Its presence is false, misleading, and harmful to my credit profile.

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 2025-08-07 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: LA

Complaint narrative:
These accounts are due to fraud and need to be removed off my credit. 

XXXXXXXX XXXX XXXX XXXXXXXX This account is erroneous and needs to be removed immediately. 
XXXX XXXX XXXXXXXX This account is erroneous and needs to be removed immediately.

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 2025-08-07 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: IA

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and damaging information being reported on two XXXX XXXX credit card accounts across the three major credit reporting agencies : TransUnion, Experian, and Equifax.

Account XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon reviewing my most recent credit report, I seen inaccurate late payment entries for XX/XX/year> and XX/XX/year>, which are impacting my credit profile despite the fact that these payments were made on time. 

Here are the reporting inconsistencies : XX/XX/year> : TransUnion and Experian both correctly show the payment as on time. 
Equifax incorrectly reports this payment as 30 days late. 

XX/XX/year> : TransUnion and Experian falsely report the payment as 30 days late. 
Equifax reports the payment as 60 days late. 

These entries are inaccurate and misrepresent my actual payment behavior. I have never been late on this account. I'm aware consumer reporting agencies are legally required to follow reasonable procedures to ensure the maximum possible accuracy of information they report. The discrepancies Ive outlined above clearly violate this obligation. 

Account XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  ( Second Card ) * * In addition, My second XXXX XXXXXXXX account is also being reported inaccurately and incompletely : Equifax has failed to report this account entirely. 

The month of XX/XX/year> is missing from my report altogether across agencies, which of course is irregular and problematic for maintaining accurate history. 

Most importantly, the payments for XX/XX/year> and XX/XX/year> are being reported as late by both TransUnion and Experian : TransUnion reports XXXX as 30 days late and XXXX as 60 days late. 

Experian reports the same months as 30 and 60 days late, respectively.

Equifax is not reporting anything for this account.

These payment entries are not accurate, and I am asserting again that I did not miss any payments during those periods. The lack of reporting from Equifax and the false late entries from the other bureaus are deeply concerning and are causing unjustified harm to my credit standing.

I am formally requesting the CFPB to investigate both XXXX XXXX accounts and the inaccurate late payment entries outlined above. 

If no such documentation can be provided, I demand that these entries be immediately corrected to reflect on-time payment status. 

I have attached screenshots of my XX/XX/year> credit reports as evidence to support this complaint. The lack of consistency and the misreporting among the agencies demonstrate a failure in maintaining accurate and fair credit reporting practices. 

Thank you for your time, attention, and support in resolving this matter. I respectfully ask for prompt action, as these errors are negatively impacting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I requested information from the bank regarding the status of my check, as it was sent to the wrong address. This situation has negatively affected me, as the bank claims it can not retrieve the check, cancel it, or contact the delivery company to reverse the shipment and send it to the correct address. 
Furthermore, I have called the bank multiple times and have been misinformed on XXXX different occasionseach representative gives me a different explanation. At XXXX point, I was told that the check sent to the incorrect address had been canceled and that a new check had been issued, including giving me an issue date of XX/XX/XXXX. However, when I called again, I was told that this was not possible and that the previous agent had made a mistake. 
I am extremely frustrated with the banks irresponsibility and the lack of clear solutions, especially as I have been a loyal customer for several years. 
Let me know if XXXX like to rephrase it more formally or for a specific audience

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