vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I am requestin to delete certain information from my file. The items to be deleted are all in the report. The charge was not made by me ; I am an identity theft victim. I am requesting to delete these items in order to repair my credit report. I have alrady reportd this identity theft to the Federal Trade Commission and have forwaded copies of their Identity Theft Affidavit. Delete the items at your eariest oportunity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX X Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XXXX XXXX, XXXX Account Name : UNKNOWN # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Transfinancial Companies, Inc
State: FL

Complaint narrative:
TransFinancial made three collection calls to me about an alleged medical debt on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, yet never mailed the written validation notice required within five days of the first call under 15 U.S.C. 1692g ( a ). I then sent a certified cease-communication letter on XX/XX/XXXX invoking my rights, and the calls stopped, but by that point TransFinancial had already contacted me repeatedly without ever providing validation or basic account information, violating both 15 U.S.C. 1692g ( a ) and Floridas Consumer Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: IA

Complaint narrative:
I recently saw my credit report and noticed multiple accounts that do not belong to me and are damaging to my credit report and account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: IA

Complaint narrative:
I recently saw my credit report and noticed multiple accounts that do not belong to me and are damaging to my credit report and 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
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In 2023, I fell behind on my Nordstrom credit card account issued by TD Bank USA due to serious financial hardship. I lost my job in XX/XX/2023, had no unemployment benefits, made under {$60000.00} for the year, and support three dependents as head of household. With no income, I had to prioritize housing and food over credit card bills. 

I reached out to TD Bank but was unable to resolve the balance at the time. The account was charged off in XX/XX/2023 and is now being reported as a major derogatory item. This is severely affecting my ability to recover financially. 

I have since begun resolving other accounts and making good-faith efforts to repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or around XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX I received an alert that a vendor was trying to take money out of a credit card, I contacted the number they gave me and I was told we put a stop payment on this and we will send you a new credit card quote. A few days later, I was locked out of my online banking. I was told I had to go to a local branch and verify my identity. On XX/XX/year> I went to a local branch verified my identity with the bank and was told they will issue me a new debit card. The following few days were fine, on Monday, XX/XX/XXXX. I again was locked out of my online banking account again. I spoke with the representative who gave me a temporary password she even helped me set up a new password. The next morning, Tuesday, XX/XX/XXXX, I received an email saying my online account was locked. I tried desperately to get a hold of somebody to find out why, I was hit with accusations people treating me like a criminal, but not one person telling me what was going on. On Wednesday, XX/XX/XXXX I visited the same branch and I was told your checking and savings account are closed, we will be issuing you a cashier check within the next few days. I decided to call Friday, XX/XX/XXXX to find the status of these checks, I was then told your account is being looked over, this should be done by XX/XX/XXXX, the latest I advised this person on the phone that I had bills I had to pay and that they were making this very difficult this person I talked to kept repeating himself saying I apologize but theres nothing I can do I have been with Bank of America for 37 years not one person has told me what is going on, and not one person has shown empathy for me. I am XXXX XXXX XXXX and I am now having to find out how I can make my mortgage, my insurance payment, and pay for food.

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 2025-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a notice about a hard credit inquiry from capital one, that i did not request on XX/XX/year>. It caused my credit score to drop. I feel its identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
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 ACCOUNT : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/DEPT OF ED # XXXX Date Opened XX/XX/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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These mistakes have been detrimental to my life and credit health.

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Request for Explanation Regarding Account Closure Dear Chase Executive Office, I am writing to formally request an explanation for the recent closure of my accounts, including : My personal account My business account My wifes personal account These closures occurred without warning, and I have not received any detailed reason or clarification. We have always aimed to maintain our accounts in good standing, and this abrupt closure has created significant disruption for our family and our business operations.

I respectfully ask for the following : 1. A clear explanation of the reason for the account closures.

2. Whether this decision is final or if there is any appeal or review process available.

3. Confirmation that no negative reports were submitted to XXXX  or XXXX XXXX XXXX, or if so, what was reported.

We hope to resolve this matter amicably and would appreciate your cooperation and transparency. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: NC

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 XXXX XXXX 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 explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Certified Credit Reporting, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Immediate Enforcement Request for Removal of Sealed/Expunged Records under FCRA and Ohio Law Dear Consumer Financial Protection Bureau , I am submitting this complaint to demand immediate enforcement action regarding multiple background check companies and consumer reporting agencies that continue to report criminal records that have been legally sealed and expunged under Ohio law. 
I have a court order XXXX  XXXX dismissed sealed dating that sealing and expunging my criminal record ( s ), specifically for a conviction of public indecency into three counts one charge two dismissed and one guilty all are sealed and expunged. Under Ohio Revised Code XXXX and related statutes, my records are legally required to be removed and no longer reported to any background screening company or third party. 
However, the following consumer reporting agencies continue to unlawfully report this sealed/expunged information in violation of the Fair Credit Reporting Act ( FCRA ) and Ohio law : These violations have caused and continue to cause me significant harm, including potential loss of employment opportunities, reputational damage, and invasion of privacy.

I demand the CFPB take swift and aggressive action to : Investigate each companys unlawful reporting of my sealed/expunged records. 
Enforce immediate removal of all sealed/expunged records from all consumer reports and databases. 
Ensure these companies implement strict compliance protocols to prevent future violations. 
Notify me of the enforcement outcomes and corrective measures taken. 

I have attached certified copies of my sealing/expungement court order and relevant documentation for your review. 

Thank you for your prompt attention and action on this critical matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: AL

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 2025-06-21 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-21 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: LEXISNEXIS
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX XX/XX/year> To : LexisNexis XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Phone : XXXX XXXX P.O. XXXX XXXX, XXXX, GA XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Phone : XXXX RE : Formal Demand for Immediate Removal of Inaccurate Bankruptcy and Child Support Reporting Under 15 U.S.C. 1681b and Other Applicable Federal Laws To Whom It May Concern, I am contacting you regarding inaccurate and unlawful entries reporting on my credit profile, specifically a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and a child support account labeled under Act # XXXX. 

These accounts are unauthorized, unverifiable, and were obtained or reported in violation of federal law, specifically : 1. 15 U.S.C. 1681b Permissible Purpose for Consumer Reports You have no permissible purpose to report or share these derogatory items without my written consent or a valid legal basis. Reporting child support or bankruptcy data especially via a secondary bureau without a verified court order or my authorization violates this statute. 

2. 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy The reporting of unverifiable or outdated public records and child support accounts without ensuring complete accuracy is a clear violation. Any continued reporting after receiving notice of dispute is considered willful noncompliance. 

3. Recent Legal Precedent : As you are well aware, credit bureaus and secondary reporting agencies have been sued for illegal reporting of bankruptcies and unverifiable debts. For instance, LexisNexis and XXXX have faced class action lawsuits over their failure to ensure data accuracy and for selling consumer information without proper consent. 

FORMAL DEMAND : 1. IMMEDIATE deletion of any and all references to : - XXXX  records falsely tied to my name- XXXX XXXX Account # XXXX - Any related public records that are inaccurate, unverifiable, or obtained without permissible purpose 2. Immediate cease and desist from sharing, selling, or redistributing any such data. 

XXXX. Provide me with : - Full disclosure of the source of these entries - Proof of permissible purpose under FCRA - A written statement confirming deletion Failure to comply will result in the following : Filing of a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Complaint to the Wisconsin Department of Financial Institutions Filing a civil suit for violation of the Fair Credit Reporting Act ( FCRA ), including damages for negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-06-21 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: TN

Complaint narrative:
I recently received a copy of my credit report. I noticed several inaccuracies and unauthorized accounts/ information. 
Reporting to my credit report, these remarks have been detrimental to my life and credit health.

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 2025-06-21 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
i notice a account from regions bank on my credit report with account # XXXX  that is reporting inaccuracies between the bureaus for date of last payment and date of last activity, along with inaccurate late payments and i have attached a copy below for your reference

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