vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against TransUnion, equifax and Experian under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, due to their failure to properly investigate and remove unverifiable and inaccurate information from my credit report.

I submitted a formal written dispute to TransUnion, equifax and Experian along with all required identification documents, including my government-issued ID, Social Security card , and proof of address. Despite this, the following issues remain unresolved : TransUnion, equifax and Experian and failed to delete unverifiable or inaccurate information within the 30-day time frame required by law. 
I did not receive confirmation that a reasonable investigation was conducted. 
In some cases, previously deleted items were reinserted into my report without proper certification of accuracy, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

I did not receive the required written notice of reinsertion within five business days. 

These actions constitute violations of my rights under the FCRA, and I am requesting the CFPBs assistance in holding TransUnion accountable for their failure to comply with federal law. 

Desired Resolution : Immediate deletion of all unverifiable and inaccurate accounts from my credit report. 
Written confirmation that TransUnion conducted a proper investigation. 
Confirmation that any reinserted items were certified as accurate by the furnisher and that proper notice was provided. 

I have attached a copy of my original dispute letter, identification documents, and supporting images of my credit report. 

Thank you for your time and attention to this matter. I am available to provide any additional documents or clarification as needed. 

Sincerely, 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against TransUnion, Experian and Equifax under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, due to their failure to properly investigate and remove unverifiable and inaccurate information from my credit report.

I submitted a formal written dispute to TransUnion, experian and equifax along with all required identification documents, including my government-issued ID, Social Security card , and proof of address. Despite this, the following issues remain unresolved : XXXX XXXX  and XXXX  failed to delete unverifiable or inaccurate information within the 30-day time frame required by law. 
I did not receive confirmation that a reasonable investigation was conducted. 
In some cases, previously deleted items were reinserted into my report without proper certification of accuracy, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

I did not receive the required written notice of reinsertion within five business days.

These actions constitute violations of my rights under the FCRA, and I am requesting the CFPBs assistance in holding XXXX XXXX and XXXX accountable for their failure to comply with federal law.

Desired Resolution : Immediate deletion of all unverifiable and inaccurate accounts from my credit report.

Written confirmation that TransUnion conducted a proper investigation. 
Confirmation that any reinserted items were certified as accurate by the furnisher and that proper notice was provided. 


Thank you for your time and attention to this matter. I am available to provide any additional documents or clarification as needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MI

Complaint narrative:
I am filing this complaint due to inaccurate and misleading credit reporting by XXXX XXXX XXXX and the failure of the credit bureaus ( Experian, Equifax, and TransUnion ) to properly investigate and correct the issue. 

The account in question was a voluntarily surrendered auto loan that was closed on XX/XX/XXXX. Since that time, there has been no further activity on the account. However, XXXX XXXX continues to report the account with monthly VS ( Voluntarily Surrendered ) notations from XXXX through XXXX, making it appear that the account is still active and newly derogatory each month. 

This is a clear example of illegal re-aging, which misleads creditors, artificially lowers my credit score, and violates the Fair Credit Reporting Act ( FCRA ).

Despite submitting formal disputes, all three credit bureaus have verified this information as accurate, which is deeply concerning given the evidence and the nature of the reporting.

Legal Violations : FCRA 1681e ( b ) : The credit bureaus and furnishers are responsible for ensuring maximum possible accuracy. Reporting ongoing derogatory updates for a closed account is not accurate. 
FCRA 1681i : The credit bureaus failed to conduct a reasonable reinvestigation of my dispute.

FCRA 1681s-2 ( b ) : XXXX XXXX failed to properly update or correct inaccurate information after being notified via dispute. 
FCRA 1681c ( a ) ( 4 ) : Negative information should not be updated indefinitelyreporting VS every month for years after closure is improper and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MI

Complaint narrative:
I am filing this complaint due to inaccurate and misleading credit reporting by XXXX XXXX XXXX and the failure of the credit bureaus ( Experian, Equifax, and TransUnion ) to properly investigate and correct the issue. 

The account in question was a voluntarily surrendered auto loan that was closed on XX/XX/XXXX. Since that time, there has been no further activity on the account. However, XXXX XXXX continues to report the account with monthly VS ( Voluntarily Surrendered ) notations from XXXX through XXXX, making it appear that the account is still active and newly derogatory each month. 

This is a clear example of illegal re-aging, which misleads creditors, artificially lowers my credit score, and violates the Fair Credit Reporting Act ( FCRA ).

Despite submitting formal disputes, all three credit bureaus have verified this information as accurate, which is deeply concerning given the evidence and the nature of the reporting.

Legal Violations : FCRA 1681e ( b ) : The credit bureaus and furnishers are responsible for ensuring maximum possible accuracy. Reporting ongoing derogatory updates for a closed account is not accurate. 
FCRA 1681i : The credit bureaus failed to conduct a reasonable reinvestigation of my dispute.

FCRA 1681s-2 ( b ) : XXXX XXXX failed to properly update or correct inaccurate information after being notified via dispute. 
FCRA 1681c ( a ) ( 4 ) : Negative information should not be updated indefinitelyreporting VS every month for years after closure is improper and misleading.

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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dates of credit card fraud were provided to Bank of America at time of transactions. Two separate incidents happened and BoA was notified and I was told they would investigate the fraud and initially refunded my {$3000.00}, but later retracted and took the money back. The other incident involved a fraudulent charge of {$14000.00} that BoA stated was a charge for a returned check. They initially removed the charge then added it back. Both were fraud and need to be removed. BoA has locked my account and now I can not access it pending the internal investigation. This prevents me from looking up the dates or any information on the account. Customer service at BoA is not helping and state I need an appointment to even discuss the matter with BoA branch management. I need help getting this issue resolved please!

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 2025-06-11 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-11 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:
This account isn't mine and I would like it removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  - Account Number : XXXX * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} INQUIRIES XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : 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 2025-06-11 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: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX, XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX  ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ] [ XXXX XXXX FIN ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX  ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX  ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX FIN ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-11 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-11 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS : INQUIRIES : XXXX Date : XX/XX/year> XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX XXXX - XXXX - How are you reporting late payments if I am protected by the Cares Act - Please Update to Never Late

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 2025-06-11 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: OR

Complaint narrative:
On XX/XX/year>, I mailed a formal Section XXXX debt validation request to XXXX XXXX XXXX ( XXXX ) regarding a {$49000.00} collection they are reporting on behalf of the University XXXX XXXX. XXXX records show it was received XX/XX/year>. No response was received within the required 30 days. On XX/XX/XXXX, XXXX responded through a CFPB complaint, stating they would place the account in restrictive status and cease communication. They confirmed in writing their intent was to prevent further damage. 

Despite this, on XX/XX/year>, they re-reported the account as active on my TransUnion report, contradicting their cease-communication statement and federal compliance obligations. To make matters worse, Experian has since removed this exact tradeline due to these violations after reviewing the same evidence and mail fraud irregularities reported to the U.S. Postal Inspector and the FTC ( FTC ID : XXXX ). I never attended the XXXX XXXX XXXX and never received validation proving liability, amount, or assignment of debt. 

XXXX is knowingly damaging me with unverifiable and false information. TransUnion is continuing to furnish this data in violation of the FCRA and must correct this immediately.

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