vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX XXXX - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXXXXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXXXXXX XXXX XXXX  - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-26 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: MD

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed. Applications were submitted in my name, and several companies pulled my credit without my knowledge, consent, or authorization. I do not recognize these inquiries, nor did I apply to or engage with these companies in any way. This is a clear violation of my rights as a consumer, and frankly, it's deeply insulting as someone who follows the law and takes their financial responsibilities seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During vacation overseas ( XXXX ), a fraudster requested a replacement credit card for the old/cancelled card ( XXXX, XX/XX/XXXX ) and received the card from BofA with the new number ( XXXX ). With the card, XXXX unauthorized purchases were attempted. The first XXXX ( XX/XX/XXXX, {$210.00} & XX/XX/XXXX, {$11000.00} ) were cleared, but the third ( XX/XX/XXXX, {$4500.00} ) was declined by BofA. As part of the decline, we received a text alert and noticed fraudulent activities on our credit card. Upon the discovery, we notified the bank and stopped the card use as soon as we could. The initial request for the charge reversal was approved, but later the charges were reinstated. Further request for the reversal was denied without clarification, explanation and request for additional supporting documentation. BofA should not have issued the replacement card that had been stopped/cancelled. Furthermore, the card was in our possession during the fraudulent activities, and we have the airline boarding passes to prove that we were out of the country while the fraudulent activities occurred - boarding passes attached.

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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I deposited my payroll check via the Citizens Bank mobile app. The next day, without any explanation, my online banking access was restrictedboth online and via the app. I was unable to access my account or manage my finances for nearly two weeks, which caused significant inconvenience and financial harm.

Despite multiple calls and escalations to Citizens Banks customer service, I received no clear or consistent explanation for the restriction. I was only told that the availability of my check would be delayed until XX/XX/year>, and that my online banking access would be restored thereupon. However, this did not happen. 

During this time, I reached out to XXXX XXXX XXXX, Director of the Office of the Customer at Citizens Bank, who assured me that XXXX from her team was " working on making this right '' and would resolve the issue. However, the very next day, I was informed by Citizens Bank that my account would be closed, again with no explanation or offer to compensate me for the fees I incurred as a result of their actions. 

As a direct result of these restrictions and subsequent account closure, I incurred several returned payment fees from other financial institutions, totaling at least {$120.00}, due to missed and failed credit card payments. I provided documentation of these fees to Citizens Bank and requested compensation and a resolution, but to no avail. 

This experience has led to hours of wasted time and effort on my part, as well as significant personal and financial distress. I believe that Citizens Banks actionsrestricting my account without explanation, failing to restore access as promised, and then closing my account without justification or compensationconstitute unfair treatment and a violation of basic banking standards. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Phone : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 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.

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was alerted by a XXXX email that someone had changed the home address on my XXXX credit card. I could not open the letter in the email because it requires my zip code because someone had fraudulently changed my home address. 

On XX/XX/XXXX, I contacted XXXX by calling their customer service number in order to close my account because of suspected fraud since I did not authorize the address change. The new address was in Kansas according to the XXXX rep. Spoke with a supervisor named XXXX at about XXXX. XXXX told me that she closed my account as I requested ( XXXX ). I live in XXXX. She said that she could not change my home address over the phone. I explained that I can't open the letters from XXXX and can only read the emails. The letters from XXXX require me to enter my zip code, but the person who fraudulently accessed my account is

the one who changed the home address. There were a total of four charges made in Kansas to the card ending in XXXX between XX/XX/XXXX and XX/XX/XXXX in Kansas. In addition, the account was not closed properly or there was a breakdown in communication between XXXX and XXXX XXXX. According to XXXX, a new XXXX card was issued on XX/XX/XXXX with a different account number ending in XXXX to an address in XXXX. Then this person made a fraudulent charge on XX/XX/XXXX according to XXXX. So a new XXXX card was sent to someone in XXXX under my name after my XXXX account was already closed, and I had already alerted them of fraud on my account. 

XXXX XXXX notified me on XX/XX/XXXX ( I saw it on XX/XX/XXXX ) that there was a " Delinquent payment- changed from current to 30 days late '' on my XXXX account. I contacted the XXXX Fraud line and spoke with XXXX at XXXX. She filed two fraud claims. One for the card ending in XXXX ( Kansas charges ) and the other for the card ending in XXXX ( XXXX charges ). My credit dropped XXXX points because of XXXX not taking care of this back in XXXX. I was planning to apply for a home equity loan but can't now until this situation gets corrected. 

The rep I spoke with today ( XXXX ) informed me that this would take about 60 days or so to fix. She said that XXXX will not charge me for the fraudulent purchases and that the credit bureaus will be notified, but I don't have a lot of confidence in them following through since they did not do what they were supposed to do back in XXXX when I originally contacted them. She updated my address so I can now read correspondence from XXXX that they send by email. Why didn't they do this before? Very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-26 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
I

am writing to dispute certain information appearing on my credit report. My personal information was exposed in a data breach, and I have reason to believe that one or more accounts, inquiries, or entries may be inaccurate, fraudulent, or unverifiable. Requesting all negative information and information regarding employers, past addressed be removed. This is regarding the credit card account for XXXX, that was opened XX/XX/XXXX @ {$110.00}. The XXXX XXXX XXXX that was opened XX/XX/XXXX @ {$6500.00}, the XXXX XXXX XXXXXXXX account opened XX/XX/XXXX @ {$1700.00}, XXXX  XXXX opened XX/XX/XXXX @ {$2500.00}. Plus the removal of XXXX XXXX XXXX opened XX/XX/XXXX and XXXX XXXX XXXX @ {$2400.00}. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights as follows :

15 U.S.C. 1681i I dispute the accuracy and completeness of the listed information and request a reinvestigation. 15 U.S.C. 1681c ( a ) I request removal of any negative account history that is obsolete and beyond the reporting limits. 15 U.S.C. 1681e ( b ) I request correction or deletion of any data that fails to meet the requirement for maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
I

am writing to dispute certain information appearing on my credit report. My personal information was exposed in a data breach, and I have reason to believe that one or more accounts, inquiries, or entries may be inaccurate, fraudulent, or unverifiable. Requesting all negative information and information regarding employers, past addressed be removed. This is regarding the credit card account for XXXX, that was opened XX/XX/XXXX @ {$110.00}. The XXXX XXXX XXXX that was opened XX/XX/XXXX @ {$6500.00}, the XXXX XXXX XXXXXXXX account opened XX/XX/XXXX @ {$1700.00}, XXXX  XXXX opened XX/XX/XXXX @ {$2500.00}. Plus the removal of XXXX XXXX XXXX opened XX/XX/XXXX and XXXX XXXX XXXX @ {$2400.00}. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights as follows :

15 U.S.C. 1681i I dispute the accuracy and completeness of the listed information and request a reinvestigation. 15 U.S.C. 1681c ( a ) I request removal of any negative account history that is obsolete and beyond the reporting limits. 15 U.S.C. 1681e ( b ) I request correction or deletion of any data that fails to meet the requirement for maximum possible accuracy.

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 2025-06-26 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: NJ

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-26 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-06-26 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-26 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: TX

Complaint narrative:
I paid off 4 credit cards. I did not close them. I paid right at XXXX grand and my credit score dropped almost XXXX points. I can not get anyone to answer at Transunion or Equafax. I dont have time to sit on hold. There is reason a person 's score should drop when paying off debt especially when the cards were not ever late nor did I close them. I have been trying to buy or rent a house and now my scores are in the high XXXX dropping from the mid XXXX. So these places are affecting my life. I now cant buy a house and most places will not rent with a score below XXXX. This should be against the law. Its sad a credit bureau or anyone can put anything on your credit file but it takes an act of XXXX to get incorrect information removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a XXXX party filing this. I am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : Experian, XXXX, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers.

Company response to consumer: Closed with non-monetary relief