vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Experian, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy.

I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action.

Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation.

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 2025-06-19 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I discovered that accounts was opened in my name without my authorization. I did not apply for this account, and I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I am submitting this complaint to dispute inaccurate and misleading closed late payment entries currently being reported on my Equifax credit report. The two accounts in question are XXXX XXXXXXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX, reporting a past due amount of {$0.00} as of XX/XX/year>, and XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX, reporting as closed or paid with a XXXX balance as of XX/XX/year>. Both accounts have been resolved in full and no longer carry any past due balances, yet Equifax continues to reflect these accounts with derogatory notations that suggest delinquencies. 

These entries distort the true nature of my credit history. Reporting a late payment on a closed account that has a XXXX balance is both misleading and harmful. It unfairly penalizes my credit score and misrepresents my financial behavior to current and potential creditors. According to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), Equifax is obligated to maintain procedures that ensure the maximum possible accuracy of the information it reports. Furthermore, under 15 U.S.C. 1681i, when a consumer disputes the accuracy or completeness of information, the credit bureau is required to conduct a reasonable reinvestigation and either verify the accuracy or delete the entry if it can not be substantiated. I have not been provided any documentation from either Equifax or the furnishers to prove that these late payments were valid and properly reported, especially considering that both accounts have been closed with no remaining delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX SERVICES # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MO

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 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 2025-06-19 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: NY

Complaint narrative:
I am disputing several inaccurate, unverifiable, and possibly obsolete entries on my credit report. These include charge-offs, collections, and derogatory statuses I do not recognize or that have been inaccurately reported. 
I submitted written disputes directly to the credit bureaus and included my identification, utility bill, and highlighted reports. Despite that, the items remain on my report without proper validation or correction. 
These entries are negatively affecting my credit standing, and the bureaus are not complying with the Fair Credit Reporting Act ( FCRA ) regarding reinvestigation and removal of unverifiable data. 
I am requesting the Consumer Financial Protection Bureau assist in ensuring these inaccurate items are fully investigated and removed if they can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am disputing several inaccurate, unverifiable, and possibly obsolete entries on my credit report. These include charge-offs, collections, and derogatory statuses I do not recognize or that have been inaccurately reported. 
I submitted written disputes directly to the credit bureaus and included my identification, utility bill, and highlighted reports. Despite that, the items remain on my report without proper validation or correction. 
These entries are negatively affecting my credit standing, and the bureaus are not complying with the Fair Credit Reporting Act ( FCRA ) regarding reinvestigation and removal of unverifiable data. 
I am requesting the Consumer Financial Protection Bureau assist in ensuring these inaccurate items are fully investigated and removed if they can not be verified.

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 2025-06-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a transaction alert from Bank of America and immediately disputed the charge, as I was working from home at the time and did not authorize it. Upon logging into my online account, I discovered another suspicious transaction that had occurred earlier the same day, which I also reported to Bank of America right away. To protect my account, I promptly changed my BOA password. 

When I checked the status of the new debit card I had requested on XX/XX/XXXX, I noticed unusual charges appearing on my credit card balanceboth labeled as self-check. I immediately contacted BOA again, and with the assistance of a representative, a claim was filed under the reference number XXXX. BOA issued a temporary credit while the claim was being reviewed. 

However, when I followed up on XX/XX/XXXX, I was informed that the claim XXXX had been closed. The only reason provided was that the signature appeared to match minewithout any supporting photo evidence or further explanation. I find this conclusion both abnormal and unprofessional, and it raises serious concerns about the thoroughness and fairness of the investigation. 

The total amount of unauthorized transactions is significant : Credit card : two charges totaling {$4300.00} Debit card : one charge totaling {$280.00}

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 monetary relief
Consumer complaint received 2025-06-19 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 a formal complaint against Equifax for inaccurate, outdated, and misleading reporting of a charge-off account from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Although the account shows a {$0.00} balance and {$0.00} past due, Equifax continues to report it as " Collection/Chargeoff '' and " Derogatory '' as of XX/XX/XXXX. The payment history falsely reports consistent XXXX late payments between XX/XX/XXXX and XX/XX/XXXX, even though the last payment was made on XX/XX/XXXX, and there has been no activity since. 

These are serious FCRA violations, including : FCRA 1681e ( b ) : Equifax failed to ensure maximum possible accuracy FCRA 1681i ( a ) : Refused to reinvestigate or correct disputed errors FCRA 1681s-2 ( b ) : Data furnisher and Equifax failed to update inaccurate information Equifax has not provided documentation to justify the continued derogatory status or the reported late payments. The account appears to have been re-aged, which is prohibited and misleading. I submitted formal disputes and requested verification, but Equifax continues to report unverifiable derogatory information, harming my creditworthiness and violating my rights under the FCRA. 

This complaint is supported by FTC report number XXXX, filed due to Equifax 's systemic failure to correct these errors and its repeated noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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 a formal complaint against Equifax for inaccurate, outdated, and misleading reporting of a charge-off account from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Although the account shows a {$0.00} balance and {$0.00} past due, Equifax continues to report it as " Collection/Chargeoff '' and " Derogatory '' as of XX/XX/XXXX. The payment history falsely reports consistent XXXX late payments between XX/XX/XXXX and XX/XX/XXXX, even though the last payment was made on XX/XX/XXXX, and there has been no activity since. 

These are serious FCRA violations, including : FCRA 1681e ( b ) : Equifax failed to ensure maximum possible accuracy FCRA 1681i ( a ) : Refused to reinvestigate or correct disputed errors FCRA 1681s-2 ( b ) : Data furnisher and Equifax failed to update inaccurate information Equifax has not provided documentation to justify the continued derogatory status or the reported late payments. The account appears to have been re-aged, which is prohibited and misleading. I submitted formal disputes and requested verification, but Equifax continues to report unverifiable derogatory information, harming my creditworthiness and violating my rights under the FCRA. 

This complaint is supported by FTC report number XXXX, filed due to Equifax 's systemic failure to correct these errors and its repeated noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a secured credit card with Capital One and was approved. I submitted my security deposit, received confirmation that the card was shipped, and then, without warning, I received a letter dated XX/XX/year>, stating that my account was being closed due to activity inconsistent with typical customer usage and referencing my past account history. 

This is misleading and unfair. I have not even received the card, let alone activated or used it. There has been no activity on the account that could be flagged as suspicious. All of my personal information is correct and verifiable. 

The letter also mentioned inconsistencies in my information. I want to clarify that I use multiple email addresses, including a business email, and that my address history is consistent with my credit report. This should not have triggered any fraud or misuse concerns. 

Capital One also referenced my prior account history, which involved accounts legally included in a bankruptcy filing. Penalizing me nowespecially after accepting my depositis unjust and discriminatory. 

I believe this action reflects unfair and deceptive practices under federal consumer protection law. Capital One accepted my money, confirmed my card shipment, and then shut down the account with no cause or due process. I am requesting that the CFPB investigate this matter and ensure the company is held accountable for misleading practices and potential FCRA violations. 

I am asking for either : Reinstatement of the account, or That the closure be marked as customer requested to prevent negative credit impact. 

Requested Resolution : Conduct an investigation Require Capital One to provide documentation of alleged activity Reinstate the account or update reporting to protect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/scrub>XXXX XXXX XXXX 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/year>

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 2025-06-19 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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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