vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Request for Investigation and Removal of Inaccurate Closed/Derogatory Accounts Dear Equifax Information Services LLC , I am writing to dispute the accuracy and completeness of certain closed/derogatory accounts being reported on my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to request an investigation into any information that I believe is inaccurate, incomplete, or can not be verified. 
The following accounts appear on my credit file and I am challenging their accuracy : XXXX Reported as closed on XX/XX/XXXX XXXX XXXX XXXX Reported as closed on XX/XX/XXXX XXXX Reported as closed on XX/XX/XXXX I do not believe these accounts are being reported accurately. I am requesting that you : Verify each of these accounts with the original creditor ; Provide me with documentation containing my signature that proves I authorized and agreed to these accounts ; If verification can not be obtained, delete these accounts from my credit report immediately. 


Please complete this investigation within the 30 days allowed by law and send me an updated copy of my credit report reflecting the results. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: MD

Complaint narrative:
To Whom it XXXX Concern fI am writing to formally rebut and dispute certain items reporting on my consumer credit file. Pursuant to 15 U.S.C. 1601- 1681, you are required to maintain accurate, verifiable, and complete information. Any failure to do so constitutes a violation of the Fair Credit Reporting Act. 

I assert my rights under federal law to challenge information that is inaccurate, unverifiable, or reported without my consent. Further, under 18 U.S.C. 1028, any use of and authorization, falls within the definition of fraudulent activity. To the extent that any creditor or furnisher has reported accounts, inquiries, or trade lines without presenting original, verifiable, and signed documentation bearing my wet ink signature, such entries are unlawful and must be removed immediately. 

I never granted authorization to the agencies or Furnishers to create, assign, or transmit binding contractual obligations in my name without full disclosure and consent. The reporting of Unverified accounts creates the appearance of indebtedness, which constitutes constructive fraud and identity misuse. This is only a violation of 15 U.S.C. 1601-1681 but also potentially a criminal matter 18 U.S.C.1028. 

Accordingly, I demand the following : XXXX. That you Conduct a proper and lawful investigation into the disputed items, in compliance with federal law. 
XXXXThat you provide full verification, including copies of original signed contacts bearing my wet ink signature, validating any account continue to report. 
XXXX. That any unverifiable, inaccurate, or fraudulent items be permanently deleted from my credit file. 
XXXX. That you provide written confirmation of your actions within the time frame required by law. 
Failure to comply with this lawful demand XXXX result in administrative action, civil claims, or criminal referral, as your continued reporting verification is unlawful. 
This letter serves as my formal rebuttal and notice of dispute. I expect your compliance in good faith. 
Sincerely 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 2025-10-17 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Public Record - XXXX XXXX  - XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX BANKRUPTCY XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-17 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-17 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XXXX XX/XX/XXXX, I deposited in person, an escrow check in the amount of {$160000.00} at Bank of America. 
I asked the teller if there is a hold on this escrow check, and she replied no, and have her supervisor signed it then deposited to my checking account. 
When I check on-line the next day, a hold was placed with XXXXdate, and no notice when it would be released. 
Numerous calls and chats with Bank of America, on Fri. XX/XX/XXXX around XXXX XXXX ( PST ), the fund would be released or available on Mon. XX/XX/XXXX. 
It took 7 business days or 12 calendar days for the bank cleared the funds that I need to pay-off other obligations.

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 2025-10-17 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: IL

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: SC

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), as I have identified multiple inaccurate and misleading items being reported on my credit file. These errors are causing significant harm to my creditworthiness and financial standing. Despite my right to accurate reporting, the following items are being reported incorrectly : Wrong Address Reporting XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This address is not associated with me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This address is also not associated with me. 
Reporting wrong addresses creates confusion, raises potential fraud risk, and violates FCRA standards of accuracy. 

Inaccurate Account Reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance Owed : {$3300.00}, Status : Late Payment ) * This late payment reporting is false, inaccurate, and damaging to my credit file. I have no verifiable record supporting this derogatory mark. 

XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance Owed : {$490.00}, Status : Collection ) * This collection account is inaccurate and unverified. It does not belong to me, and no valid documentation has been provided to establish its legitimacy. 

FCRA Violations : Failure to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Reporting unverifiable and misleading information under 15 U.S.C. 1681i.

Continued damage to my credit score and financial opportunities due to uncorrected errors.

Requested Action : I demand that CFPB investigate these reporting errors and compel the credit reporting agencies and furnishers to : Delete the wrong addresses from my credit file. 

Remove the inaccurate XXXX XXXX late payment. 

Delete the unverifiable XXXX XXXX collection account. 

Ensure that all future credit reporting is accurate, verifiable, and compliant with FCRA.

I expect a full investigation and correction within the 30-day period allowed by law. Please confirm receipt of this complaint and provide me with updates regarding the resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-17 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: SC

Complaint narrative:
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.

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 2025-10-17 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: TX

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

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 2025-10-17 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:
I am writing to dispute the inaccurate information on my credit report acquired by Experian. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for Experian to maintain a credit report on my behalf.

Experian has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information.

The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I am expecting Experian to take all necessary action to correct and block this information as ordered by law.

l from now on request a formal investigation into my dispute and the removal of any incorrect information from Experian 's records if it is determined that no permissible purpose exists for maintaining this information. I expect Experian to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft.

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 2025-10-17 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN & EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: NJ

Complaint narrative:
Im reaching out because in XX/XX/XXXX, I reviewed my credit report and noticed several accounts that I did not apply for or authorize. These accounts are negatively impacting my credit, and Im very concerned about how they ended up on my report if they dont belong to me.

Ive tried to resolve this issue through Equifax, but unfortunately, all they do is ask a long list of security questions that lead nowhere and dont help at all in fixing the problem. I feel like they are not putting themselves in my shoes, and instead of offering real support, they make the process even more frustrating.

At this point, I dont see how I can resolve this situation with them, because they have not taken any action to help remove these fraudulent accounts from my report. Im truly concerned and disappointed by the lack of support, and I urgently need help to get these unauthorized accounts blocked and deleted. inquiries : XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> I went to a California XXXX XXXX at the XXXX XXXX XXXX in XXXX California to purchase my registration card and sticker as my registration would be due in a few days. I purchased the tags to have the credit card screen said approved I heard the money come out of my account. But not sticker or registration card came out of the XXXX  I contacted the number on the screen which said a error occurred XXXX a person answered claim the transaction didnt go through and they told me to try again. I did with a different card same problem the screen said approved but nothing came out of the machine I called back spoke with the XXXX XXXX  XXXX  XXXX WHO SAID the charges would fall off in 3 days the charges never fell off my bank closed the dispute because they couldnt locate my money on either transaction in their system and Im out {$480.00} two times plus the {$9.00} transaction fees. The XXXX COULDNT HELP AND MY BACK REFUSED TO FIND WHAT HAPPENED TO ALL OF THAT MONEY TO DATE I DONT HAVE MY MONEY OR REGISTRATION. No consumer should have to suffer a lost like this thats totally out of the consumers control. This is a horrific situation and have left me physically and emotionally distraught

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