vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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:
A fraudulent account was opened with my identity. My original dispute was investigated resulting in the creditors removing the fraudulent debt from my report. This particular credit furnisher ( XXXX ) has now sold the fraudulent debt to a credit collections agency ( XXXX XXXX ) whom is now illegally reporting the fraudulent debt to my consumer credit reports again. I have attached a pdf file combining the original documents along with an updated Police report and screenshot photos of the date the original debt was removed from my reports. XX/XX/year> 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ) 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 non-monetary relief
Consumer complaint received 2025-05-01 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: MI

Complaint narrative:
Upon checking my credit report I found accounts that were opened and used fraudulently in my name. I already contacted the credit bureau to report this information and it was not corrected. The Account is listed Below : XXXX XXXX Opened XXXXXXXX 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 2025-05-01 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: MI

Complaint narrative:
Upon checking my credit report I found accounts that were opened and used fraudulently in my name. I already contacted the credit bureau to report this information and it was not corrected. The Account is listed Below : XXXX XXXX Opened XXXXXXXX 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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Relay Financial (US), Corp.
State: MD

Complaint narrative:
My bank account has been frozen since XX/XX/2025, following the receipt of an ACH transfer for {$350.00} on XX/XX/2025. The bank requested documentation, which I have consistently and promptly provided. Despite my full cooperation and multiple formal requests to either reverse the ACH or close the account, the bank continues to request additional documents and has provided no resolution. My account remains frozen, with approximately {$2000.00} inaccessible. 

Detailed Timeline : XX/XX/2025 : ACH transfer of {$350.00} credited to my account. 

XX/XX/2025 : Account was frozen. Bank requested documentation. 

XX/XX/2025 : I submitted the requested documents. 

XX/XX/2025 : Additional documents were requested and provided the same day. 

XX/XX/2025 : I was told my account was good to go, which was false. The account was still frozen. 

XXXX XXXX XXXX XXXX  I raised concerns, submitted all available documents related to the ACH, and formally requested the ACH reversal and account closure. 

XX/XX/2025 : Bank requested even more documents, including business photos, other bank statements, and proof of ownership. I reiterated my request to close the account and reverse the ACH. 

XX/XX/2025 : I received a vague update that my case was under review. No follow-up has been received. 

Problem : Despite full cooperation and documentation, my account remains frozen with no resolution. The continued requests for more documents over a year after account opening are excessive and unreasonable. The bank has offered inconsistent communication and no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please delete this incorrect addresses from my credit report and these incorrect names. 

I live in XXXX and have never lived in XXXX XXXX 


I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type Please also remove this incorrect name. 

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 2025-05-01 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 recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report thatt were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I am submitting this formal complaint as a consumer whose rights have been violated under multiple provisions of the Fair Credit Reporting Act ( FCRA ), following the Equifax 2017 Data Breach, which exposed my personal information to unauthorized use. The breaches have resulted in false, unverifiable, inaccurate, and incomplete data being reported by Equifax, Experian, and TransUnion, causing financial harm, emotional XXXX and unjust credit denials. 

I have disputed : Unauthorized hard inquiries from multiple lenders ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  etc. ) in violation of 15 U.S.C. 1681b ( no permissible purpose ).

Unverified child support reporting by the Office of the Attorney General in violation of 1681c-2 ( a ) for obsolete public record reporting and 1681i for lack of reinvestigation response.

Incorrect addresses tied to identity theft concerns ( e.g., XXXX XXXX  and addresses I have never lived at ). 

Collections and charge-offs ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) without Metro 2-compliant validation or original contract documentation, violating 1681s-2 ( b ) and 1681i ( a ) ( 1 ) ( A ).

Despite multiple certified disputes, I have received no meaningful Method of Verification ( MOV ) as defined in FCRA Section 611. Continued reporting without revalidation is a direct violation of 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

Additionally, these issues stem from and were worsened by the 2017 Equifax data breach, of which I was an impacted victim ( as confirmed in the breach notice and assigned restoration number XXXX ). This strengthens my case for identity-based fraud, and under FACTA amendments to the FCRA, these records should have been frozen, flagged, or corrected. 

My rights as a consumer and as a victim of data breach negligence have been repeatedly violated. I request : Full deletion of all unverifiable data per FCRA 1681i ( a ) ( 5 ) ( A ) Immediate removal of all unauthorized inquiries Deletion of outdated child support reporting Enforced compliance with Metro 2 standards Damages considered for credit denials and distress under 1681n I have supporting documentation for all items, including : Certified dispute letters Equifax breach confirmation Detailed list of violations Credit reports from all 3 bureaus Please escalate this complaint as a high-priority legal compliance violation with potential claims for civil liability and damages. I am requesting formal regulatory enforcement against Equifax, Experian, and TransUnion, as they have failed to fulfill their duties as CRAs under the law. 

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 2025-05-01 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: GA

Complaint narrative:
Please delete this incorrect addresses from my credit report and these incorrect names. 

I live in XXXX and have never lived in XXXX XXXX 


I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type Please also remove this incorrect name. 

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please delete this incorrect addresses from my credit report and these incorrect names. 

I live in XXXX and have never lived in XXXX XXXX 


I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type Please also remove this incorrect name. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
I opened a dispute near the end of XX/XX/year>. I sent a document with pictures showing that the cabin we stayed at was not as advertised. They keep denying my claim every time I call and ask for details as to why it has been denied they promised they will email over those documents and they never do. Each person I talk to on the phone gives me a different reason why it is denied. The one time they did send me documents. It was just my own evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
Equifax is currently reporting several inquiries that were not authorized by me, including XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX  XXXX  on XX/XX/XXXX. Additionally, there are multiple inquiries listed from XXXX XXXX XXXX on XX/XX/XXXX and from XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX is reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX also appears multiple timesonce on XX/XX/XXXX, again on XX/XX/XXXX, and a third time on XX/XX/XXXX. Lastly, XXXX  XXXX XXXX is noted as accessing my file on XX/XX/XXXX. At no point did I provide written or verbal authorization for these entities to pull my credit. Given that these inquiries appear to have been made without my request or knowledge, it is likely that my personal information was shared or accessed inappropriately. Equifax has a legal obligation under XXXX XXXXSC 1681b to ensure that credit inquiries occur only under lawful and permissible conditions. Furthermore, under 15 USC 1681e ( a ), Equifax is responsible for maintaining reasonable procedures to protect the privacy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
this compliant is linked to previous complaint XXXX XXXX responded and you closed the case The issue is not resolved XXXX are not allowing me to transfer my account balance back to my linked credit card they make all excuses in the world why i can not transfer my balance back to my card although they still allow me to make purchase transactions they are simply holding onto the funds for interest purpose, there is no one to speak to that can resolve problems the problems differ and are not consistant with each agent whom are based in XXXX or other 3rd world countries in different time zones i have asked and instructed XXXX to release my funds back to my linked credit card so many times which they refuse to assist in doing they just hold my money and will not release it i do not know what else to do to resolve this issue which is a simple one which is release my funds from my account back to my linked credit card it not be more simple and as the owner of the account well within my right to ask for my funds to be released XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this complaint in regard to inaccurate and inconsistent information being reported by Bank of America on my consumer credit report. Specifically, Bank of America has reported one or more late payments that I firmly believe are either incorrect, not in compliance with the Fair Credit Reporting Act ( FCRA ), or were posted inconsistently across the three major credit bureaus ( XXXX XXXX XXXX XXXX ).

Despite multiple attempts to resolve this matter directly with Bank of America, I have not received a clear explanation, correction, or verification that satisfies my right to accurate and fully substantiated credit reporting. In some cases, the same payment history is reported differently across credit bureaus which raises serious concerns about data integrity and compliance with Metro 2 reporting standards.

This inaccurate reporting has negatively affected my credit score, limited my access to financial opportunities, and caused emotional and financial distress. Under the FCRA, I am entitled to fair and accurate reporting of my credit history. I am requesting that your office investigate this matter, compel Bank of America to provide verified, consistent data, and correct any errors that are found. I'm also request to be provided a copy of this information to confirm your legitimacy and compliance for reporting this erroneous account to my personal consumer reports. Otherwise please delete this account from my consumer reports immediately. 

Thank you for your time and assistance in resolving this matter. 

Sincerely,

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 2025-05-01 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-05-01 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
The XXXXXXXX XXXX  account on myceredit report shows CO ( charge-off ) reported every month through XXXX, even though the account was last paid in XX/XX/XXXX and has not changed since then. There is no collection activity or balance reduction. This continuous reporting makes the debt appear newly delinquent each month, which is inaccurate and harmful.

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 2025-05-01 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2025-05-01 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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