vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: PA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( 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. 15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
personal information incorrect name incorrect XXXX XXXX XXXX not my name I did not authorize this inquiries XXXX  XXXX - XXXX please remove immediately! 
I did not authorize this inquiries XXXX XXXX XXXX XXXXXXXX please remove immediately! 
I did not authorize this inquiries XXXXXXXX XXXX XXXX  please remove immediately! 
I did not authorize this inquiries XXXX please remove immediately! 
I did not authorize this inquiries XXXX XXXX  please remove immediately! 
I did not authorize this inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XX/XX/year>, I disputed a 30-day late payment reported by XXXX XXXX XXXX  on my credit reports with Experian, Equifax, and TransUnion. The late payment was reported for XX/XX/year>, but the account was marked as paid and closed on XX/XX/year>. 

As required by FCRA 1681i and 1681s-2 ( b ), the credit bureaus were obligated to reinvestigate this disputed item by obtaining and reviewing actual documentation from the furnisher not relying solely on automated data ( e-OSCAR codes ).

Additionally, under TILA 1637 ( b ), a billing notice must be delivered to the consumer at least 21 days before the due date for a late payment to be considered valid. I requested this documentation in my dispute, and none was provided.

Despite this, the credit bureaus responded with verified results without providing any proof that a billing statement was generated and delivered to me in compliance with the Truth in Lending Act.

I am requesting that the CFPB require : The credit bureaus to delete the late payment due to lack of verifiable documentation Full reinvestigation records showing what was provided by XXXX XXXX XXXX  Enforcement action if the FCRA and TILA were violated by retaining inaccurate, unverifiable derogatory data I am also concerned that the account is being reported inconsistently across the three bureaus and that the payment history does not match the Paid/Closed narrative shown.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: AZ

Complaint narrative:
In XX/XX/year>, I disputed a 30-day late payment reported by XXXX XXXX XXXX  on my credit reports with Experian, Equifax, and TransUnion. The late payment was reported for XX/XX/year>, but the account was marked as paid and closed on XX/XX/year>. 

As required by FCRA 1681i and 1681s-2 ( b ), the credit bureaus were obligated to reinvestigate this disputed item by obtaining and reviewing actual documentation from the furnisher not relying solely on automated data ( e-OSCAR codes ).

Additionally, under TILA 1637 ( b ), a billing notice must be delivered to the consumer at least 21 days before the due date for a late payment to be considered valid. I requested this documentation in my dispute, and none was provided.

Despite this, the credit bureaus responded with verified results without providing any proof that a billing statement was generated and delivered to me in compliance with the Truth in Lending Act.

I am requesting that the CFPB require : The credit bureaus to delete the late payment due to lack of verifiable documentation Full reinvestigation records showing what was provided by XXXX XXXX XXXX  Enforcement action if the FCRA and TILA were violated by retaining inaccurate, unverifiable derogatory data I am also concerned that the account is being reported inconsistently across the three bureaus and that the payment history does not match the Paid/Closed narrative shown.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In XX/XX/year>, I disputed a 30-day late payment reported by XXXX XXXX XXXX  on my credit reports with Experian, Equifax, and TransUnion. The late payment was reported for XX/XX/year>, but the account was marked as paid and closed on XX/XX/year>. 

As required by FCRA 1681i and 1681s-2 ( b ), the credit bureaus were obligated to reinvestigate this disputed item by obtaining and reviewing actual documentation from the furnisher not relying solely on automated data ( e-OSCAR codes ).

Additionally, under TILA 1637 ( b ), a billing notice must be delivered to the consumer at least 21 days before the due date for a late payment to be considered valid. I requested this documentation in my dispute, and none was provided.

Despite this, the credit bureaus responded with verified results without providing any proof that a billing statement was generated and delivered to me in compliance with the Truth in Lending Act.

I am requesting that the CFPB require : The credit bureaus to delete the late payment due to lack of verifiable documentation Full reinvestigation records showing what was provided by XXXX XXXX XXXX  Enforcement action if the FCRA and TILA were violated by retaining inaccurate, unverifiable derogatory data I am also concerned that the account is being reported inconsistently across the three bureaus and that the payment history does not match the Paid/Closed narrative shown.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Unauthorized Authorized User Account and Failure to Remove Dear CFPB Team, I am writing to formally file a complaint against XXXX XXXX  XXXX  regarding a credit card account that has been reporting on my credit file since XXXX, for which I was added as an authorized user without my consent or knowledge. 

Despite my repeated attempts over the years to have this account removed both directly with the creditor and through formal disputes with the credit bureaus XXXX has continued to report this account on my credit profile, causing ongoing and unwarranted damage to my credit standing. 

Here are the relevant details : Credit Card Issuer : XXXX XXXX XXXX Account Number ( last 4 digits ) : XXXX Date I Discovered the Account : XX/XX/XXXX First Reported Date ( approx. ) : XXXX Summary of My Actions : I have contacted XXXX XXXX XXXX multiple times requesting immediate removal from the account as I never authorized being added. 
I have filed disputes with all three major credit bureaus, yet the account still appears on my credit reports. 
I have never signed or agreed to be an authorized user on this account, nor was I ever notified. 

This prolonged reporting of an unauthorized account violates the Fair Credit Reporting Act ( FCRA ), and XXXX XXXX XXXX has repeatedly failed to correct the issue despite clear evidence and formal requests.

I am requesting the CFPBs assistance to : 1. Investigate XXXXXXXX XXXX XXXXXXXX refusal to remove me as an authorized user.

2. Ensure the account is immediately deleted from my credit reports with XXXX, Equifax, and XXXX. 
3. Prevent any further reporting of this unauthorized account going forward. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Unauthorized Authorized User Account and Failure to Remove Dear CFPB Team, I am writing to formally file a complaint against XXXX XXXX XXXX regarding a credit card account that has been reporting on my credit file since XXXX, for which I was added as an authorized user without my consent or knowledge. 

Despite my repeated attempts over the years to have this account removed both directly with the creditor and through formal disputes with the credit bureaus XXXX has continued to report this account on my credit profile, causing ongoing and unwarranted damage to my credit standing. 

Here are the relevant details : Credit Card Issuer : XXXX XXXX XXXX Account Number ( last 4 digits ) : XXXX Date I Discovered the Account : XX/XX/XXXX First Reported Date ( approx. ) : XXXX Summary of My Actions : I have contacted XXXX XXXX XXXX multiple times requesting immediate removal from the account as I never authorized being added. 
I have filed disputes with all three major credit bureaus, yet the account still appears on my credit reports. 
I have never signed or agreed to be an authorized user on this account, nor was I ever notified. 

This prolonged reporting of an unauthorized account violates the Fair Credit Reporting Act ( FCRA ), and XXXXXXXX XXXX XXXX has repeatedly failed to correct the issue despite clear evidence and formal requests. 

I am requesting the CFPBs assistance to : 1. Investigate XXXXXXXX XXXX XXXX refusal to remove me as an authorized user. 
2. Ensure the account is immediately deleted from my credit reports with Experian, XXXX, and XXXX.

3. Prevent any further reporting of this unauthorized account going forward. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-07-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX : Complaint Regarding Unauthorized Authorized User Account and Failure to Remove Dear CFPB Team, I am writing to formally file a complaint against XXXX XXXX  XXXX  regarding a credit card account that has been reporting on my credit file since XXXX, for which I was added as an authorized user without my consent or knowledge. 

Despite my repeated attempts over the years to have this account removed both directly with the creditor and through formal disputes with the credit bureaus XXXX has continued to report this account on my credit profile, causing ongoing and unwarranted damage to my credit standing. 

Here are the relevant details : Credit Card Issuer : XXXXXXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Date I Discovered the Account : XX/XX/XXXX First Reported Date ( approx. ) : XXXX Summary of My Actions : I have contacted XXXX XXXX XXXX  multiple times requesting immediate removal from the account as I never authorized being added. 
I have filed disputes with all XXXX  major credit bureaus, yet the account still appears on my credit reports. 
I have never signed or agreed to be an authorized user on this account, nor was I ever notified. 

This prolonged reporting of an unauthorized account violates the Fair Credit Reporting Act ( FCRA ), and XXXXXXXX XXXX XXXX has repeatedly failed to correct the issue despite clear evidence and formal requests. 

I am requesting the CFPBs assistance to : XXXX. Investigate XXXXXXXX XXXX XXXX refusal to remove me as an authorized user. 
XXXX. Ensure the account is immediately deleted from my credit reports with XXXX, XXXX, and TransUnion. 
XXXX. Prevent any further reporting of this unauthorized account going forward. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is too old and past. Its original date of XXXX  and should be removed from my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX an account was open with XXXX XXXX with the amount of debt being {$740.00} the account listed above is now being held by portfolio recovery associates On XX/XX/XXXX an account was opened with XXXX XXXX XXXX  with the amount of debt being XXXX the countless default is now being held by portfolio recovery associates At the time of the opening of both these accounts I was incarcerated I have a certified statement from XXXXXXXX XXXX XXXX XXXX  stating such and my starting time for XXXX  was XXXX of XXXX up until XXXX my release date I tried contacting portfolio recovery associates several times during the course of my XXXX  with all my attempts failing and my written letters being returned to sender prior to my XXXX  the car that I was driving at the time of my XXXX was impounded and my wallet and several other pieces of identification were in the vehicle and never returned now that I'm home from XXXX  after my XXXX  I would like to address these matters because I would like to live a normal life and plan on purchasing a car and a home and these derogatory marks on my credit report or destroying any chances at

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: WA

Complaint narrative:
I am a victim of Data Breach. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c2. 15 USC 1681b, I request this account be removed. Please remove these fraudulent accounts due to XXXX  data breach identity theft. 
XX/XX/XXXX 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 XXXXXXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report XXXX XXXXXXXX Dear XXXXXXXX XXXX XXXX XXXX I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the XXXX  XXXX breach. I have included a copy of my Identity Theft Report XXXX XXXX  ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE Credit Collection XX/XX/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 XXXXXXXX XX/XX/XXXX In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-27 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: CT

Complaint narrative:
There are accounts listed on my credit report that I dont recognize, and since I didnt authorize them, they may be the result of identity theft. Ive raised this issue with you before, and Im following up to request that these accounts be promptly removed. Their presence has been distressing, as they do not reflect my true credit history or financial conduct. This has been a challenging situation, and Im prepared to take legal steps if necessary to correct it. These inaccuracies are blocking important financial milestones, such as buying a home and supporting my family. Im eager to see this resolved quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>2025, my phone was physically stolen by an individual who I believe observed me entering my passcode. That same day, over {$13000.00} in unauthorized activity occurred across my debit, credit, XXXX, and XXXX accountsincluding approximately {$2100.00} in unauthorized debit card charges. 

I immediately reported the theft to Bank of America and filed a police report with the XXXX XXXX XXXX XXXX  ( XXXX Case # XXXX ). The suspects have since been identified and arrest warrants issued. 

Bank of America initially granted me provisional credit for these debit card charges. However, on XX/XX/year>2025, I received a denial letter stating : The following charge ( s ) was authorized by you or made by someone who has permission to use the card or account. They ultimately credited only {$950.00}, and denied {$1100.00}, without adequately explaining the rationale, or the conflict of logic behind how certain charges would be credited and others not. 

My phone was stolen, and the charges occurred while it was out of my possession. I provided documentation including a police report and proof of phone replacement. Despite this, no substantive explanation was provided. 

Bank of America reversed similar fraud claims for XXXX after receiving this same documentation. Denying the debit card charges while approving others from the same stolen device and time period is both inconsistent and unjustified. 

This suggests that Bank of America is inconsistently applying fraud protections based on the payment method, not the facts of the case. This inconsistency is not only unfair it may violate the banks own customer protection policies and raises serious regulatory concerns.

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