vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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:
Dear CFPB, I am submitting this formal follow-up complaint in connection with a previous CFPB complaint that has been marked closed but remains unresolved. The issues I raised continue to violate federal law and are causing ongoing harm to my credit file, privacy, and financial integrity.

Summary of Unresolved and Escalating Violations : Additionally, my personal informationsuch as date of birth, address history, and account ownershipremains incorrect across my credit reports, despite previous disputes. This failure to maintain accurate and consistent personal identifiers is a direct violation of FCRA 1681e ( b ), and it continues to harm my credit profile and legal standing. 

Unauthorized Reporting of Student Loans ACCOUNT IN QUESTION IS : XXXX XXXX XXXXXXXX XXXX My student loan accounts were reported without my consent, violating the Fair Credit Reporting Act ( FCRA ) 1681b, which limits access to and disclosure of consumer reports.

These accounts were added or altered without my knowledge, authorization, or any signed documentation, which constitutes identity theft under FCRA 1681c-2. 

I have not signed any loan disclosures or agreements permitting these tradelines, nor have I authorized them to appear on any consumer report. 

Inconsistent and Inaccurate Reporting Across Bureaus The information reported on Experian, Equifax, and TransUnion does not matchin direct violation of FCRA 1681e ( b ), which mandates maximum possible accuracy.

As FCRA compliance manuals clarify, inconsistent reporting between agencies is grounds for deletion, not correction, due to the failure to maintain uniform and verifiable records.

Failure to Address Identity Theft and Legal Documentation I have previously submitted identity theft documentation including an FTC Identity Theft Report and additional correspondence per FCRA 1681c-2. The reporting entities have failed to block the fraudulent tradelines, which violates FCRAs statutory duties when notified of identity theft. This ongoing exposure of my personal identifiers and financial history without my permission violates both FTC Privacy Rules and the CFPBs own enforcement guidelines.

Clear Harm and Financial Injury These violations have negatively impacted my credit score, denied me access to fair credit opportunities, and caused emotional distress.

As

outlined under 15 U.S.C. 1681n/o and 15 U.S.C. 1692k, I reserve my right to pursue civil damages for failure to correct or delete clearly unverifiable and illegal data. Supporting Documentation to Be Submitted : Prior CFPB complaint summary and closed status notice FTC Identity Theft Report Highlighted credit reports showing mismatches and fraudulent student loans Dispute letters and bureau responses ( demonstrating noncompliance or stall tactics )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 2025-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XX/XX/XXXX my information was compromised. I had a negative balance on my XXXX  account due to a purchase for crypto currency. This type of purchase never been in my history and I dont know what it is. I filed multiple disputes with documentation that there was fraud. Despite the documentations, my disputes were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MA

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 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 2025-04-29 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: 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/year> Reported information Monthly Income : {$5000.00} Inaccurate information is being reported and i'm unable to correct it. 
The fact is im a XXXX Veteran rated at 100 % total and permanent and my Monthly income is higher. 
I receive 70 % XXXX pay from the VA, and 30 % Social Security pay, for a total of 100 % Monthly Pay from the Veterans Administration. 
I was asked this question from the Experian Credit representative. Did you file a dispute? I was filled with anger. 
How do I correct all these years of damage???

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 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I sent a fax that states what I can do for loan repayment. XXXX second got a letter from them saying the got EVERYTHING is working on it. XX/XX/XXXX got another letter asking if we could do 6 months. Which that was answered in the XX/XX/XXXX fax. Clearly these people are NOT reading nor listening to anything I send or do. Not to mention now I get some XXXX from the XXXX office called me twice XXXX mins before she leaves her office at XXXX central time. She clearly has no clue on time zones and is calling someone whos XXXX hour ahead of her. XXXX at work till XXXX. I have left countless messages with her telling her that a good time to call me back would be XXXX oclock Eastern time that would be XXXX oclock our time. These people clearly do not know how to answer a telephone call or to even have a phone call conversation and just send out papers after papers after papers and dont need XXXX. XXXX faxing to them. My daughter works for a bank and theyre all wondering how a XXXX star rating bank is still in business.

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 2025-04-29 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: IL

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I submitted a balance transfer between my newly opened XXXX credit card and my bank of america credit card on XX/XX/XXXX. The total balance transfer was the maximum allowed of {$7600.00}.

My intention was to transfer the {$7600.00} from my high balance bank of america card ending in XXXX. Unfortunately, I entered in the wrong number and entered my one other bank of america card ending in XXXX for the balance transfer. This was a small human error between two identical cards I have open at bank of america.

When I caught my mistake a few days later I immediately called the bank of america customer support line. I was on hold for over an hour and when I finally got through to someone in the balance transfer issue department I was told a support request ticket would need to be made and it would be resolved in a few days.

This was massively incorrect information. What should have been done was an immediate refund of that money so I could re-attempt the balance transfer. 

I called the next week and after hours on the phone I did not get any help or guidance from their support team. It took until XX/XX/XXXX to finally get ahold of somebody in their claims department, his name was XXXX. 

He informed me that my issue was mishandled " 3 ways from sunday '' and that he would need to file a claim. i was then informed that the 'investigation ' would take up to 60 DAYS.

This was completely unacceptable as I was told wrong information weeks prior. I called again several times to plead my case and escalate but 'there is nothing we can do. ' This has majorly impacted my credit score and my financial stability over the last few months and my case is still not resolved.

All that needs to be done is apply the XXXX payment from one bank of america card to the other. The fact that its taken this long due to grossly inadequate customer service from bank of america needs to be addressed. 

It is unresolved as of XX/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 monetary relief
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
PLEASE SEE LETTER ATTACHED. 
I am requesting a reinvestigation of my previous complaint regarding inaccurate and fraudulent information on my Equifax credit report. Although Equifax has responded to my dispute, they verified several accounts as belonging to me despite the fact that I previously submitted a valid FTC Identity Theft Report supporting my claim that I was a victim of identity theft. 

The accounts and inquiries in question were opened or made without my knowledge or authorization, and the FTC report clearly outlines the fraudulent activity. Equifax 's investigation appears to have ignored or improperly assessed this evidence.

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 2025-04-29 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 HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: WA

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I request that these duplicate collection accounts not be reported to my account. Report only one account. Reporting 2 collections instead of 1 is damaging to my credit report XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Utilities ; Original Creditor - XXXX XXXX  ; Amount - {$78.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$78.00} ; Individual Account XXXX Account # - * XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX : XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Utilities ; Original Creditor - XXXX XXXX XXXX ; Amount - {$78.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$78.00} ; Individual Account XXXX Account # * XXXX ; ADDITIONAL INFORMATION - Consumer Disputes- Reinvestigation in Process ; Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX NC XXXX XXXX ( XXXX ) XXXX As of XX/XX/XXXX I updated my address with the bureau to my current address XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. Theyve reported it as a previous address. And an old address ( XXXX ) as my current address. I lived the 3 years ago so I know that was intentional. It looks to have been altered as the word ADDRESS is misspelled on my credit report : Name On File : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Adaress< XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX Reported : XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX : XX/XX/XXXX I want all of this information removed immediately. They are reporting duplicate collections and not reporting my current information, tampering with my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: VA

Complaint narrative:
LexisNexis illegally collected and sold people 's personal ... - CBS Overview Contract with ICE Data broker LexisNexis Risk Solutions allegedly violated Illinois law by collecting and combining The result is " a grave threat to civil liberties, '' the activists and two immigration advocacy groups argued. The lawsuit asks a Cook County judge to prevent the data broker from selling personal information without consent. 
The complaint also notes that LexisNexis ' XXXX product, which is sold to law enforcement, in " Using XXXX, law enforcement officers can surveil and track people based on information these officers would not, in many cases, otherwise be able to obtain without a subpoena, court order, or other legal process, '' the complaint alleges, accusing LexisNexis ' technology of enabling " a massi

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
Equifax has listed multiple charge-off accounts on my file that are inconsistent with each other and across other bureaus. These accounts include XXXX ( XXXX - {$0.00} ), XXXX XXXX  ( XXXX - {$5200.00} ), XXXX XXXX XXXX XXXX  XXXX XXXX {$1500.00} ), XXXX ( XXXX - {$0.00} ), XXXX ( XXXX - {$160.00} ), XXXXXXXX XXXX  XXXXXXXX XXXX ( XXXX - {$590.00} ) XXXX XXXX  ( XXXX - {$0.00} ), and XXXX XXXX XXXX - {$0.00} ). These entries are riddled with contradictions in balance, status, and reporting timelines. Such reporting failures strongly indicate the possibility that my data has been impacted by a breach, resulting in inaccurate and harmful entries on my credit profile. XXXX responsibilities under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i require that reported information be both accurate and verifiable. Continuing to report unverifiable or outdated derogatory data is a blatant failure to comply with FCRA standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
This collection account was opened through fraudulent means and is not mine. Reporting it violates the FCRA. I request immediate removal and a full investigation in accordance with my rights.

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