vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MI

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 may 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 seven 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 2025-09-04 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
I am filing this complaint to formally dispute several unauthorized inquiries that are appearing on my credit report. These inquiries were made without my knowledge, consent, or authorization. I have never applied for credit, requested services, or granted permission to these companies to access my consumer report. I also have no existing business relationship with these entities, nor have I authorized anyone to act on my behalf. 

The inclusion of these inquiries is inaccurate, misleading, and unlawful, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA 605B requires that consumer reporting agencies block or remove information that is inaccurate or unauthorized. These inquiries negatively affect my credit score and financial standing, and I am requesting that they be permanently removed from my credit file. 

Disputed Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries violate multiple provisions of the FCRA ( 15 U.S.C. 1681 et seq. ), including : FCRA 604 Permissible Purposes : Credit reports may only be accessed for legitimate purposes such as credit, insurance, employment, or with my written authorization. None of these conditions apply to the inquiries listed above. FCRA 605B Blocking of Information : Consumer reporting agencies must block and remove any information that is inaccurate or not authorized by the consumer. FCRA 609 Right to Disclosure : I have the right to know which parties accessed my credit file, on what dates, and the stated purpose for each inquiry. FCRA 611 Reinvestigation : Consumer reporting agencies must investigate disputed information within 30 days and delete unverifiable or unauthorized inquiries.

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 2025-09-04 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 unrelated to these accountsremove them within the 15-day period mandated by USC 1681g .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) ( 1 ), which requires consumer reporting agencies to block information resulting from identity theft within four business days of receiving proper notification. Despite submitting an FTC Identity Theft Affidavit Report ( # XXXX ) and notifying Experian of the fraudulent activity under CFPB Case Number XXXX, they have failed to respond or take the necessary action. 

Experian has also disregarded evidence of XXXX 's unauthorized changes to loan terms, which resulted in usurious interest rates exceeding the XXXX 's XXXX % interest cap, in violation of 12 U.S.C. 1757 ( 5 ) ( A ). XXXX 's actions, including attempting to extort an additional {$10000.00} after I had already paid the full amount under the promissory note at a XXXX  % interest rate, constitute not only identity theft and loan fraud but also a breach of the XXXX 's interest 18 % interest cap, rendering any additional funds usurious and resulting in inaccurate credit reporting. 

Furthermore, Experian has failed to address XXXX XXXX 's fraudulent opening of four accounts using my information through a third-party attorney, violating identity theft protections under 15 U.S.C. 1681c-2 ( a ).

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 2025-09-04 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: NC

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 2025-09-04 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: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 may 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 2025-09-04 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: CA

Complaint narrative:
I am formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e ( b ), 1681s-2, 609 ( a ), 611, and 623 ( a ) ( 1 ), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This address is completely inaccurate and does not belong to me. Reporting an address that is not associated with me creates confusion and misidentification, which is a violation of my rights under FCRA 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. The continued listing of this wrong address increases the risk of mixed files and identity-related issues. I never lived at this address, nor do I have any connection to it. Reporting it is careless and misleading, and I am requesting its permanent deletion.

I respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the week of XXXX XXXX XXXX I was notified by my bank, Bank of America , that they will be proactively mailing me a new credit card through the XXXX XXXX XXXX XXXX as my current credit card at the time, ending in XXXX, was scheduled to expire soon in XX/XX/year>. I received an email from Bank of America on XX/XX/XXXX that my new credit card was out for delivery, however, this card never arrived in the mail ( screenshot attached ). 

Shortly after on XX/XX/XXXX, I received a notification from my Bank of America app on my XXXX that there were suspicious transactions on my credit card account ending in XXXX. These transactions were indeed fraudulent and I filed a claim immediately with Bank of America over the phone that same evening. 

A total of XXXX fraudulent transactions amounted to {$940.00}. These transactions all occurred on the same day on XX/XX/XXXX. There were XXXX separate transactions from XXXX ( {$220.00}, {$190.00} ), XXXX transaction from XXXX ( {$300.00} ) and XXXX transaction from The XXXX XXXX ( {$220.00} ). All of these transactions occurred in XXXX XXXX XXXX stores. I believe the perpetrator of these fraudulent transactions was able to gain access to my credit card information through the delivery failure by the XXXX on XX/XX/XXXX. 

Just after midnight on XX/XX/XXXX, Bank of America notified me that my fraud claim was not approved and that my temporary credit will be removed. Bank of America 's reasoning behind the denial was : " The charge was authorized by you or made by someone who has permission to use the card or account. '' The new credit card with the updated expiration date that was being sent through the mail by Bank of America had the same exact card number and security code as my active credit card at the time ( the XXXX set to expire in XX/XX/year> ), therefore a perpetrator could have easily accessed my new card without having to navigate activation. 

I called Bank of America shortly after to re-open my fraud claim after it was denied ( PDF attached ). I was not given any assurance that this claim will be elevated in terms of attention received. I put a hold on my credit card ending in XXXX and requested a new one from Bank of America. I have received this new card and activated it.

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 2025-09-04 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: FL

Complaint narrative:
Re : Formal Dispute Inaccurate Reporting of Late Payments Creditor : XXXX XXXX Account No. XXXX To Whom It May Concern, This letter serves as a formal and urgent dispute of inaccurate reporting on my credit file regarding the above-mentioned XXXX XXXX account XXXX 
The account in question was opened XX/XX/XXXX, with an original balance of {$230.00}, and was paid in full and closed in XX/XX/XXXX XXXX Despite this, the credit bureaus are reporting three late payments ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 
Legal Violations : 1. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers are prohibited from reporting inaccurate or misleading information. Reporting Paid, Closed while showing derogatory lates is contradictory and materially misleading. 
2. FCRA 1681i Credit reporting agencies are required to reinvestigate disputed information. If XXXX can not produce documented proof of these alleged delinquencies ( e.g., original billing records, payment history with dates ), they must be deleted immediately. 
3. FCRA 607 ( b ) Maximum Possible Accuracy Standard Consumer reports must ensure maximum possible accuracy. Continuing to publish unverified lates on a closed, paid account fails this standard and unlawfully harms my creditworthiness. 
4. FCRA 616 & 617 Failure to correct inaccurate reporting after notice subjects both the furnisher and the credit bureaus to civil liability, including actual damages, statutory damages, punitive damages, and attorneys fees. 
Demand for Action : I demand the following corrective measures immediately : Permanent deletion of the three false late payments ( XXXXXXXX XXXX XXXX XXXX  ). 
Correct the reporting to reflect Closed Paid as Agreed / Never Late. 
Provide me with documentation that XXXX has verified these alleged delinquencies. If you can not produce such documentation, the derogatory marks must be removed without delay. 
If this matter is not resolved within the 30-day FCRA-mandated reinvestigation period, I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) .

Escalate to the Florida Attorney Generals Office.

Pursue legal remedies under the Fair Credit Reporting Act, seeking statutory, actual, and punitive damages for ongoing harm. 
This is my final attempt at resolving this matter amicably. I expect written confirmation of the corrective action within 15 days. 
Respectfully, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Formal Dispute Inaccurate Reporting of Late Payments Creditor : XXXX XXXX Account No. XXXX To Whom It May Concern, This letter serves as a formal and urgent dispute of inaccurate reporting on my credit file regarding the above-mentioned XXXX XXXX account XXXX 
The account in question was opened XX/XX/XXXX, with an original balance of {$230.00}, and was paid in full and closed in XX/XX/XXXXXXXX XXXX Despite this, the credit bureaus are reporting three late payments ( XXXX, XXXXXXXX XXXX XXXX XXXX  ). 
Legal Violations : 1. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers are prohibited from reporting inaccurate or misleading information. Reporting Paid, Closed while showing derogatory lates is contradictory and materially misleading. 
2. FCRA 1681i Credit reporting agencies are required to reinvestigate disputed information. If XXXX can not produce documented proof of these alleged delinquencies ( e.g., original billing records, payment history with dates ), they must be deleted immediately.

3. FCRA 607 ( b ) Maximum Possible Accuracy Standard Consumer reports must ensure maximum possible accuracy. Continuing to publish unverified lates on a closed, paid account fails this standard and unlawfully harms my creditworthiness. 
4. FCRA 616 & 617 Failure to correct inaccurate reporting after notice subjects both the furnisher and the credit bureaus to civil liability, including actual damages, statutory damages, punitive damages, and attorneys fees. 
Demand for Action : I demand the following corrective measures immediately : Permanent deletion of the three false late payments ( XXXX, XXXXXXXX XXXX XXXX XXXX 
Correct the reporting to reflect Closed Paid as Agreed / Never Late. 
Provide me with documentation that XXXX has verified these alleged delinquencies. If you can not produce such documentation, the derogatory marks must be removed without delay. 
If this matter is not resolved within the 30-day FCRA-mandated reinvestigation period, I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) .

Escalate to the Florida Attorney Generals Office.

Pursue legal remedies under the Fair Credit Reporting Act, seeking statutory, actual, and punitive damages for ongoing harm.

This is my final attempt at resolving this matter amicably. I expect written confirmation of the corrective action within 15 days. 
Respectfully, 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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, 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 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 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint to dispute a fraudulent account that does not belong to me but has been reported under my name. I have no knowledge, responsibility, or association with this account. Its reporting is inaccurate and damaging.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
they tied my credit card XXXX XXXX to XXXX XXXX. I had a credit card with them and then they sent me a new card XXXX  times under a different name and closed my account now are trying to tie me to a credit card that is not mine and not my name along with transactions that are not mine. I called so many times to this matter. They told me the charges woild drop and they would send me out my card. They kept sending the other XXXX card and apologizing saying its there mistake. They told me they have to close the account because they mixed it the investigator with them reviewed calls and apologized on there end as well. They told me they would contact me to open my account back up after figuring out the other Hannahs and how they made this mistake. It was lie after lie call after call transfer after transfer. Point is they reported a credit card account on my credit not my name or mine. They closed my account for no good reason. They confused me themselves nothing made sense. I just know I had a positive balance of my own XXXX $ and credit limit of XXXX my normal and then got all these ladys cards in mail and her mail from them and then my statement showed all of her transactions and that got closed. I never had the last name XXXX and that is not my account they are reporting to credit karma. The have apologized and are continuing to make mistakes. They keep saying I will see it drop and get a new card with my name in mail and they will figure out my XXXX XXXX account.

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