vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: MI

Complaint narrative:
On XX/XX/year>, I sent a formal written dispute to TransUnion identifying multiple inaccurate tradelines and personal information errors on my credit report. Despite clear notice and a legal obligation under the Fair Credit Reporting Act ( FCRA ), TransUnion has failed to respond within the XXXX period with any verification, correction, or deletion of the disputed information. 

The disputed tradelines continue to negatively impact my credit score and reputation, and TransUnion has yet to demonstrate that the reported information is verified, complete, and accurate. 

Disputed Accounts and Issues : Creditor Name Account Number Nature of Dispute XXXX XXXX XXXX Alleged late payments unverified ; duplicate ; not reporting on other bureaus XXXX XXXX XXXX XXXX Completely inaccurate ; no method of verification provided XXXX XXXXXXXX Unverified and inaccurate ; no documentation provided XXXX XXXX No evidence of accuracy ; reporting without response XXXX XXXX XXXX account ; dates and balance do not match ; not authorized XXXX XXXX XXXX XXXX XXXX Collection listed in error ; failed to delete after prior disputes XXXX XXXX XXXX Reporting false derogatory information ; ignored request for investigation XXXX XXXX XXXXXXXX Inaccurate status and late payments ; no evidence provided Unknown Collection XXXX No matching records ; not identified or substantiated FCRA Violations : FCRA 623 ( a ) ( 8 ) : Failure to conduct or report results of reinvestigation into consumer dispute. 
FCRA 1681i ( a ) : TransUnion failed to complete the reinvestigation within the XXXX window. 
FCRA 1681e ( b ) : Inaccurate and unverified data was reported, affecting my score and credit access. 
FCRA 623 ( a ) ( 7 ) : No notice was sent to me regarding the furnishing of negative information. 
FCRA 1681b : Improper or unauthorized inquiries may exist ; not addressed in dispute response. 
Personal Information Errors : Incorrect name : XXXX XXXX XXXX ( should be XXXX XXXX XXXX ) Incorrect address formatting : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect or unverifiable date of birth

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 2025-05-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts reported to be identity theft that was asked to be removed XXXX XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/2021 and a balance of {$6600.00}. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$450.00}. The original creditor is XXXX XXXX XXXX 
Collection account from XXXX XXXX  I with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$230.00}. The original creditor is XXXX XXXX. 
I am a victim of identity theft and this debt is not mine. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$130.00}. The original creditor is XXXX XXXX XXXX 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$140.00}. The original creditor is XXXX XXXX. 

Collection account from XXXX XXXX SYS with account # XXXX and a balance of {$880.00}. The original creditor is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-08 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Chase Bank regarding their failure to properly handle a credit card fraud dispute. 

Details of the Issue : On XX/XX/year>, two unauthorized transactions were made on my credit card ending in XXXX XXXX XXXX XXXX XXXX last 4 digits ] : {$240.00} at XXXX {$12.00} at XXXX XXXX XXXX I did not authorize these transactions and did not receive or benefit from the items purchased. I reported the fraud to the bank on XX/XX/year>, the day after the charges occurred. 

Despite my timely report and lack of involvement in these purchases, the bank denied my dispute and held me responsible for the charges. I requested a reinvestigation and offered to submit additional documentation or file a police report if necessary, but no adequate explanation was provided. 
. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-05-08 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: Experian Information Solutions Inc.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$10000.00}, XXXX XXXX bank XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX. Inquiries : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-08 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$10000.00}, XXXX XXXX bank XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX. Inquiries : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts reported to be identity theft that was asked to be removed XXXX XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/2021 and a balance of {$6600.00}. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$450.00}. The original creditor is XXXX XXXX XXXX 
Collection account from XXXX XXXX  I with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$230.00}. The original creditor is XXXX XXXX. 
I am a victim of identity theft and this debt is not mine. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$130.00}. The original creditor is XXXX XXXX XXXX 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$140.00}. The original creditor is XXXX XXXX. 

Collection account from XXXX XXXX SYS with account # XXXX and a balance of {$880.00}. The original creditor is 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 2025-05-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. CXXXXe XXXX XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2025-05-08 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 info that can't be verified and info 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 data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : XXXX 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 XXXXXXXX # XXXX * * * * Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing to formally dispute the fraudulent accounts currently reported on my credit file. These accounts are not authorized by me, nor do they reflect any legitimate transactions I have made. I demand the immediate removal of all such fraudulent accounts from my credit report within four ( 4 ) business days, in compliance with applicable federal law. 
I am demanding the immediate removal of all fraudulent accounts reported under my name. The unauthorized use of my personal data, without my consent, constitutes identity theft under 15 U.S.C. 1681c-2.

I do not recognize any of these accounts as valid transactions and consider them a direct result of identity theft. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an prequalification notice and promotional offer via the XXXX XXXX  for a XXXX store card through Comenity Capital Bank. I applied and was approved for the card with a {$300.00} credit limit. I successfully used the card for a purchase on XX/XX/XXXX in the amount of {$100.00}. Less than XXXX weeks later, I was unable to make a purchase on my card. I called Comenity and was informed that my application had been approved by mistake and was subsequently closed with no notification to me. After asking the Comenity agent for guidance on how to message Comenity for more information on their mistaken approval, I was instructed to use the secure messaging center. 

I registered my account and sent a message ( first time signing in ) to the Comenity team asking what could be done to minimize the impact to my credit due to their mistake. I received a response that they couldn't do anything. I was disappointed but understood. I waited to receive a statement which I never did. When I went to log into my account, I couldn't sign in, and assumed my online account had also been deactivated. When I received a phone call from Comenity informing me that my payment was late, I first let the agent know that I did not know I had a payment due as I hadn't received a statement. The agent waived the late fee as again, I was unaware a payment was due and in what amount as I couldn't log into my portal ( I also informed the agent of this and asked for my account number to recover my account and she wouldn't provide it ) I then immediately scheduled a payment and subsequent automatic payments on the phone with the agent. 

Comenity reported this late payment as a 30 day late payment, significantly impacting my credit. I feel that this is an unfair representation of the situation as I had every intention of paying on time, but I could not access my account and I did not receive a statement or even notice of the closing of my account. My immediate scheduling of a payment once I was contacted by a Comenity agent shows my intentions. Additionally, Comenity started this experience with a mistake on their end by mistakenly approving my application, allowing me to accrue debt, cancelling my account with no express notice or explanation, and then restricting my ability to access the payment portal. Comenity has not taken any accountability or faced any consequences, meanwhile my credit is taking a large negative hit due to this unfortunate situation.

In light of this situation, I sent a formal request to Comenity bank on XX/XX/XXXX, explaining my point of view and requesting a goodwill adjustment to remove the late payment from my credit reporting as I do not feel that a 30 day late mark is an accurate representation of the situation. On XX/XX/XXXX, Comenity issued a letter declining my request with no explanation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with 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