vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: 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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company 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 2025-06-08 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: GA

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 : Account Name : XXXX XXXX # XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : FM/OLYMPIC # XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing inaccuracies on my credit report related to two accounts : the XXXX XXXX credit card and the XXXX account reported by XXXX XXXX XXXX. For the XXXX XXXX account ( opened XX/XX/XXXX ), I made no payments on the credit card after XX/XX/XXXX, despite bank account activity in XXXX for other transactions before it closed due to non-payment. The Date of First Delinquency ( DoFD ) is XX/XX/XXXX, so the XXXX reporting period ended in XX/XX/XXXX, yet it remains on my report with an On Record Until date of XX/XX/XXXX, a Never late status, and incorrect XXXX current payment history. For the XXXX account ( opened XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX, I have documentation confirming the open date, but XXXX reports it as XX/XX/XXXX with a false last payment on XXXXimpossible as my only bank account was closed by XXXX, and I stopped paying in XXXX. The XXXX is XX/XX/XXXX, so it should have been removed by XX/XX/XXXX, but its reported until XX/XX/XXXX, suggesting re-aging. My report shows no activity from XXXX to XXXX, resuming in XXXX due to this false payment, and I encountered an error accessing my XXXX report. These errors violate the Fair Credit Reporting Act ( FCRA ) Sections 605 ( a ) ( 4 ), 611, 609 ( a ), and 623 ( a ) ( 1 ), and potentially FDCPA Section 807 ( 2 ) for time-barred debt collection. I request immediate removal of both accounts, correction of inaccuracies, access to my full credit file including the XXXX report, and redress in the form of up to {$10000.00} compensation for financial harm ( e.g., denied credit ) and emotional distress caused by these violations. I have filed CFPB complaints on XX/XX/XXXX, which remain open.

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 2025-06-08 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX - Balance - {$160000.00} Account Name : XXXX XXXX XXXX XXXX XXXX - Balance - {$110000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 1. XXXX XXXX 2.XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX - Balance - {$160000.00} Account Name : XXXX XXXX XXXX XXXX XXXX - Balance - {$110000.00}

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 2025-06-09 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: VA

Complaint narrative:
XXXX this compay does not have a phone number, the account is closed and paid off.

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 2025-06-09 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: VA

Complaint narrative:
XXXX this compay does not have a phone number, the account is closed and paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX - Balance - {$160000.00} Account Name : XXXX XXXX XXXX XXXX XXXX - Balance - {$110000.00}

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. My sensitive personal information was compromised in multiple data breaches, including the XXXX XXXX  breach. As a result, unauthorized accounts are being reported on my credit reports. I submitted an FTC Identity Theft Report ( # XXXX ) and issued FCRA Section 605B dispute letters to all three CRAs with supporting documentation ( ID, proof of address, notarized affidavit, and list of fraudulent accounts ).

Despite this, negative and fraudulent accounts remain on my credit file, including but not limited to : XXXX XXXX - {$18000.00} ( Account # XXXX ) XXXX XXXX XXXX XXXX {$1500.00} credit card & {$5000.00} XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXX XXXX  ( Account # XXXX ) These accounts were not opened or authorized by me. I requested a block of these items per FCRA 605B, which requires action within 4 business days. The bureaus and furnishers have failed to comply.

I am requesting the CFPB enforce compliance under FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ), and require the bureaus to : Block all fraudulent accounts Notify furnishers of blocked items Prevent re-reporting of these accounts Remove inaccurate addresses/inquiries associated with identity theft

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 2025-06-08 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX  * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * - Date Opened - XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * * * - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * - Date Opened - XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * * * - Date Opened 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 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XX/XX/year>. I received two emails from truist bank ( XXXX ) that my email has been added to preferred contact on an application for credit with my sisters full name, and the second that application is approved. Her and I share middle and last names, only our first names are different. 
She calls the bank to inform them she did not open an account and would like it deleted- the man she spoke too was quite rude and short, explaining there was no account made with any of her information ( her name, her SSN, our address, and my email ). 
XXXX XX/XX/year>. I receive an email from truist bank ( XXXX ) that be on the look out for your Truist credit card. 
XXXX XX/XX/year>. I received an email from truist bank ( XXXX ) to activate your card. Now we both call truist bank. The man I spoke with spoke friendly, I read the email addresses I had received and he said they were correct. I read over the full emails and there were some small parts that did not align with the usual email he was used to seeing. He advised me to forward the emails to their internal abuse system ( XXXX ). Which I did for all the emails. He also explained that there was not an account out with my information - name, SSN, etc. At the same time my sister was on the phone with another Truist bank person, who she was friendly to speak too and also confirmed with my sister that she did not have an account that could be seen with her name, her SSN, etc. So now we believe these must be fake emails somehow spoofing the real Truist email. My sister freezes her credit just in case since it is her name that has been on all these emails. We both make it clear that neither of us will ever be customers at truist and will never be interested in doing so - anything made in our information would be a scam/fraud attempt. There are no truist banks near where we live. 
XXXX XX/XX/year>. I received an email from truist bank ( XXXX ) again to activate the card and how it all works. I report it to the truist internal scam email. 
XXXX XX/XX/year>. My sister receives a notice of XXXX USD credit has been taken out in her name at Truist bank. I do not receive a matching email of this. 

Clearly XXXX people either did not do their job or they are covering up something going on at Truist. I find it also suspicious that apparently the emails are correct - I have never heard of spoofing a full email address until now. Unless of course my friendly chat was just a lie. 

I am currently abroad and my sister is currently in the middle of moving so this is extremely disruptive for our lives- let alone if there are more people being systematically targeted like this and lied to by a company.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-08 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:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TransUnion Consumer Solutions. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) - XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

7. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion Consumer Solutions. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

8. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-06-08 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: GA

Complaint narrative:
The credit reporting companies, Equifax, Experian, and TransUnion have committed data breach regarding my credit reports.

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 2025-06-08 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: MS

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 LIST OF ACCOUNTS & ACCOUNT NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my credit report in XX/XX/year> and noticed that some of the information listed was incomplete and inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), under XXXX5 USC 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information it reports about a consumer.

Additionally, under 15 USC 1681i ( a ) ( 5 ), if an item of information is disputed and, after reinvestigation, is found to be inaccurate, incomplete, or unverifiable, the credit bureau is required to : ( i ) promptly delete or modify that item as appropriate, and ( ii ) promptly notify the furnisher of the change. 
Furthermore, under 15 USC 1681s-2 ( a ) ( 1 ) ( A ), a data furnisher must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 

PLEASE CORRECT MY REPORT BY DELETING ALL UNAUTHORIZED FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with explanation