vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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. Summary of the Issue I am filing this complaint against TransUnion LLC for repeatedly re-inserting a fraudulent account from XXXX XXXX XXXX onto my credit report, despite multiple verified identity theft disputes, official documentation, and prior deletions. 

The fraudulent tradeline is for approximately {$380.00} and appears under the name XXXX XXXXXXXX. 
I have never opened or authorized any account with this company. 

Despite providing TransUnion with a valid FTC Identity Theft Report and supporting documentation, the company continues to reinsert the same fraudulent account on my credit file multiple times after previously deleting it in response to verified disputes. 

XXXX. Legal Violations TransUnions continued reinsertion and failure to permanently block this account constitute clear violations of the Fair Credit Reporting Act, including : FCRA 605B ( 15 U.S.C. 1681c-2 ) Once a consumer provides a valid identity theft report, the CRA must block the fraudulent information within four business days and prevent it from being reinserted unless the furnisher certifies the information as accurate.

I provided a valid FTC Identity Theft Report, yet TransUnion failed to permanently block the information.

FCRA 611 ( a ) ( 5 ) ( B ) When a CRA deletes disputed information, it must not reinsert that data unless the furnisher certifies its accuracy and the CRA provides written notice of reinsertion to the consumer within 5 business days.

TransUnion has reinserted the Possible Financial tradeline multiple times without providing any certification notice or documentation proving that the reinsertion was lawful.

FCRA 623 ( a ) ( 6 ) The furnisher and the CRA share responsibility to prevent the continued reporting of information known to be fraudulent. 

TransUnion continues to publish information from XXXX XXXXXXXX despite my verified identity theft claim and supporting evidence. 

XXXX. Pattern of Negligence TransUnion has repeatedly deleted this account following my disputes, confirming that it was inaccurate or unverifiable yet it continues to reappear. This demonstrates : A failure to maintain reasonable procedures to prevent reinsertion of fraudulent data. 

A lack of compliance oversight with furnishers like XXXX XXXXXXXX, who repeatedly violate reporting rules. 

Negligent disregard for my lawful rights under the FCRA. 

This recurring reinsertion has resulted in measurable harm, including damage to my credit standing, repeated stress, and ongoing time and effort to refile disputes and complaints.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I have no agreement or signed contract with the debt collector Credit Collections Services. This item needs to be removed from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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 sending as a concerned consumer to formally dispute certain information appearing on my credit file that I believe to be inaccurate and unverifiable. Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), every consumer is entitled to fair and equitable treatment regarding the collection and use of their credit information. Additionally, FCRA 611 ( A ) grants me the right to dispute any data that can not be verified as accurate. These inaccuracies have caused unnecessary harm to my credit standing and do not reflect my true financial history. I am respectfully requesting a complete reinvestigation of the disputed information and the permanent deletion of any data that can not be verified in full compliance with federal law XXXX XXXX XXXX Balance {$12000.00} XXXX XXXXXXXX XXXX Balance {$620.00} XXXX XXXX XXXX Balance {$3900.00} XXXX XXXXXXXX Balance {$30000.00} XXXX CARD XXXX Balance {$7900.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$11000.00} XXXX XXXX XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to respectfully request the opportunity to reestablish my banking relationship with Bank of America and open new personal and business accounts. 
In the past, I was the victim of severe identity theft that resulted in unauthorized accounts and credit cards being opened in my name, as well as fraudulent activity affecting legitimate accounts I once held. This unfortunate situation negatively impacted my relationship with Bank of America, and since then, I have often been declined when applying for new Bank of America products such as checking accounts or credit cards. 
Since that time, I have worked closely with my attorney to resolve all issues related to the identity theft. My credit reports have been fully restored, all fraudulent accounts have been removed, and my personal and financial information is now secure and actively monitored. 

My credit is currently in good standing, and I have taken every necessary step to maintain its integrity. 

Please note that any previous addresses or phone numbers associated with my old records at Bank of America are no longer valid or connected to me. I can provide my current verified address, phone number, and identification to ensure that your records are updated and accurate. 

Bank of America has always represented trust, reliability, and exceptional servicequalities I have always valued. I would be truly grateful for the opportunity to rebuild my relationship with the bank, both personally and through my business accounts, and to demonstrate that I am once again a responsible and secure client. 

Please let me know what steps or documentation are required to open new personal and business accounts and to reestablish my eligibility for Bank of America banking services. I am more than happy to provide any verification or supporting documentation needed for your review. 
Thank you very much for your time, understanding, and consideration. I sincerely look forward to banking with Bank of America again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There are XXXX unauthoried transaction on my chase checking account, the money was transfer to a chime account, I do not know those acccount and I do not approve those transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
This is my final notice. Ive already contacted you regarding the fraudulent accounts and unauthorized inquiries being reported under my name and youve failed to act. Let me make this absolutely clear : I am the consumer, and I am personally submitting this letter. No third party is involved. Do not send me another form letter, template reply, or delay tactic. That would only confirm your disregard for the law and my rights. 
You are now knowingly reporting fraudulent data after being provided with official documentation of identity theft. Thats not just careless its legally reckless. Your continued inaction is not only unacceptable it is now bordering on willful noncompliance and will be treated as such. 
You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You have no legal basis to share or retain inquiries on my credit file that I never authorized.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within XXXX business days of receiving all required documentation which you now have. 
18 U.S.C. 1028A By continuing to report fraudulent activity, you are effectively aiding in aggravated identity theft. This is a criminal offense.

15 U.S.C. 1681i ( a ) You are legally obligated to conduct a proper reinvestigation. If the data can not be verified with documented proof of my authorization, it must be deleted immediately. 
Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX These accounts and inquiries were not opened, authorized, or approved by me. They are the result of identity theft. Your continued delay only causes further damage to my financial profile, my peace of mind, and my legal 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
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : TXXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 2025-10-27 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : TXXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 explanation
Consumer complaint received 2025-10-27 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: NY

Complaint narrative:
I am submitting this formally dispute several inaccurate and misleading late payment entries currently appearing on my credit report. I am exercising my rights under FCRA 611 ( 15 U.S.C 1681i ) to dispute inaccurate information, 623 ( a ) ( 2 ) which requires furnishers to correct and update information, 623 ( b ) regarding the furnishers duty to investigate disputed data, and 602, which underscores Congresss intent for fair and accurate credit reporting practices that protect consumers like myself from harm due to inaccurate reporting. 
Below, I will provide a brief explanation and reasoning for each account listed. I kindly request a thorough investigation and correction of these inaccurate late payment notations. 
XXXX BANK, XXXX XXXX Balance : {$8700.00} late 30 days XXXX NR/SMS/CAL XXXX Balance : {$160000.00} late 30 days XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} late 30 days XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} late 30 days 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 2025-10-27 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Fair Credit Reporting Act ( FCRA ). 
15 U.S.C. 1681c ( a ) & Section 605B, which addresses blocking/deleting information of victims of identity theft. The following information should be removed : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
Dear Experian Dispute Department, Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account Details in Dispute : 1. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX Why Youre in Violation : Let me be direct : I was never notified about the upcoming due date or about a late payment from this creditor. They never gave me a chance to correct or resolve the issue before reporting it to the credit bureaus. Thats not just unethical its illegal under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc
State: WA

Complaint narrative:
b'I have sent Financial Assistance Inc. a certified drop dead letter with tracking number XXXX XXXX XXXX XXXX XXXX XXXX Financial Assistance Inc. continues to harras me about this fraudulent debt.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: SC

Complaint narrative:
Equifax is withholding my dispute results and refuses to provide any documentation supporting the verification of the XXXX XXXX account ending in XXXX. The account shows a notation that the dispute is resolved by the data furnisher, yet no reinvestigation records, documents, or contact information have been provided to me. This is a direct violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ).

Equifax is continuing to report inaccurate and conflicting dates for the XXXXXXXX XXXX XXXX XXXX XXXX charge-off account ending in XXXX. The account is reported closed on XX/XX/XXXX, but the first delinquency is reported as XX/XX/XXXX, which is impossible a closed account can not become delinquent afterward. This violates FCRA 607 ( b ) ( maximum possible accuracy ). 

I disputed this account on XX/XX/XXXX with proof of delivery. I then sent a Method of Verification request on XX/XX/XXXX with proof of delivery. Equifax ignored the MOV request and will not allow me to view any dispute results or documentation. 

Under FCRA 623, XXXX XXXX is furnishing false information and has failed to show proof of ownership or validation of this account. Both Equifax and XXXX XXXX are continuing to report unverifiable, inaccurate, and misleading data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I went to the XXXX XXXX XXXX in XXXX XXXXXXXX, TX and was approached by a female employee while I was in the checkout line. She said to me, " I want to save you money. '' She requested some information from me like name, date of birth, email address, phone number, and social security number. I thought it was part of the membership program and they were just updating my account. She then handed me a pamphlet and said, XXXX is information about your new credit card. '' I told her that I did not want a credit card and wanted to cancel it. She replied, " do not cancel it. '' Following this, I had several fraudulent charges on my credit cards that are tied to my XXXX XXXX XXXX account. I went back to the store to speak with the employee and her supervisor on XX/XX/year> and was told that their machines had been hacked in the past. The employee also said that people overhear applicants providing their personal information and XXXX steal the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am submitting this fourth follow-up complaint as a concerned consumer regarding inaccuracies that continue to appear on my credit report despite previous disputes. These items misrepresent my financial history and are causing ongoing harm to my credit reputation. I am requesting the permanent removal of these entries in accordance with my rights under federal law. 
The first account is XXXX XXXX *, Balance Owed : {$360.00}, reported as Late Closed. Upon review, it is clear that this account has been inaccurately reported. Negative reporting of this account violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which guarantees my right to dispute and request reinvestigation ; FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits furnishers from reporting information known or reasonably believed to be inaccurate ; FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy ; and 605B ( 15 U.S.C. 1681c-2 ), which allows for the removal of information resulting from errors or misrepresentation. This account must be permanently deleted from my credit report. 
Additionally, several inquiries on my report are inaccurate, unauthorized, or unverifiable. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX These inquiries violate FCRA 604 ( a ) and 604 ( f ) ( 15 U.S.C. 1681b ( a ), 1681b ( f ) ) and 605B ( 15 U.S.C. 1681c-2 ), which require proper authorization and the removal of unverifiable or unauthorized information. Since these inquiries are inaccurate, they must be permanently removed.

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