vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
I am writing to formally file a complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically violating provisions under 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i ( 5 ), and 15 U.S.C. 1681c ( c ). Despite my repeated attempts to dispute inaccuracies on my credit report, Experian has failed to conduct a proper investigation and correct the errors, thereby damaging my creditworthiness and financial standing. 

I have sent multiple dispute letters to Experian, providing substantial evidence that the reported information is inaccurate. However, they have failed to properly investigate my disputes as required by law. The errors remain on my credit report, impacting my ability to obtain credit, secure housing, and maintain financial stability. Experians failure to fulfill their legal obligations has caused undue hardship and stress.

Furthermore, I have recently learned that the CFPB has filed a lawsuit against Experian for their inadequate handling of credit report disputes ( CFPB Sues Experian for Sham Investigations of Credit Report Errors ). This lawsuit supports my claim that Experian is systematically failing to conduct meaningful investigations and is potentially reinserting previously disputed inaccuracies, in violation of federal law.

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 2025-03-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC. 
XXXX XXXX XXXX, XXXX, GA XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 






1.This inquiry was not authorized XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Please remove it from my credit report. 

2.This inquiry was not authorized XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Please remove it from my credit report. 

3.This inquiry was not authorized XXXX XXXX XXXX Inquiry date XX/XX/XXXX Please remove it from my credit report. 

4. This inquiry was not authorized XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Please remove it from my credit report. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I have reached out to these companies, requesting an update of my information. No action has been taken by them.

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 2025-03-12 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: NY

Complaint narrative:
I have reached out to these companies, requesting an update of my information. No action has been taken by them.

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 2025-03-12 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, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : 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

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 2025-03-12 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2025-03-12 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:
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.

I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a medical bill opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a phone bill opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX XXXX XXXX under the account  number XXXX, and a credit card opened at XXXX XXXX XXXX XXXXn XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-12 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:
XX/XX/year> SUBJECT NOTICE OF INTENT TO FILE ARBITRATION FOR CONSUMER REPORT VIOLATION To Whom It May Concern : I hope this letter finds you well. I am writing to express my concern regarding the accuracy and integrity of the information contained in my credit report, which is maintained by your agency. I wish to emphasize my commitment to fair and accurate consumer reporting. These violations have had an impact on my Creditworthiness and have caused me undue financial hardship and emotional distress. After careful review of my report, I have identified several instances where the information provided appears to be in violation of the Fair Credit Reporting Act. I have sent several letters trying to fix this matter which you have willfully neglected my attempt to rectify this matter. I have kept dates and responses provided via CFPB portal. 
I also want to let you know the original agreement. The XXXX clause within agreement outlines a mechanism for dispute resolution that's we both agreed upon. Its hope that we can resolve this matter amicably and avoid the necessity for XXXX, which will result in substantial cost and fee for us both because this is causing me a lot of issues in my financial Life. 
I propose the following options for resolution : Option XXXX : remove the following items reporting inaccurately below : XXXX. XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These accounts are reporting inaccurate please delete or pay fine of {$7000.00} per violation XXXX. Option XXXX : Initiate XXXX XXXX. Should your Company prefer not to remove the flowing items above, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. This process XXXX entail substantial costs and fees including my filing fee, your filing fee, XXXX initiation fee and arbitration deposit, and any legal costs incurred during the arbitration process. 
XXXX. I believe that an amicable resolution is in the best interest of both parties, however, I am prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit reporting. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX.

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 2025-03-12 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:
XX/XX/year> SUBJECT NOTICE OF INTENT TO FILE ARBITRATION FOR CONSUMER REPORT VIOLATION To Whom It May Concern : I hope this letter finds you well. I am writing to express my concern regarding the accuracy and integrity of the information contained in my credit report, which is maintained by your agency. I wish to emphasize my commitment to fair and accurate consumer reporting. These violations have had an impact on my Creditworthiness and have caused me undue financial hardship and emotional distress. After careful review of my report, I have identified several instances where the information provided appears to be in violation of the Fair Credit Reporting Act. I have sent several letters trying to fix this matter which you have willfully neglected my attempt to rectify this matter. I have kept dates and responses provided via CFPB portal. 
I also want to let you know the original agreement. The XXXX clause within agreement outlines a mechanism for dispute resolution that's we both agreed upon. Its hope that we can resolve this matter amicably and avoid the necessity for XXXX, which will result in substantial cost and fee for us both because this is causing me a lot of issues in my financial Life. 
I propose the following options for resolution : Option XXXX : remove the following items reporting inaccurately below : XXXX. XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These accounts are reporting inaccurate please delete or pay fine of {$7000.00} per violation XXXX. Option XXXX : Initiate XXXX XXXX. Should your Company prefer not to remove the flowing items above, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. This process XXXX entail substantial costs and fees including my filing fee, your filing fee, XXXX initiation fee and arbitration deposit, and any legal costs incurred during the arbitration process. 
XXXX. I believe that an amicable resolution is in the best interest of both parties, however, I am prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit reporting. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The errors on my report are making it harder for me to access opportunities and are unfairly damaging my scores. Its beyond frustrating to deal with setbacks caused by mistakes that are not my fault.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am submitting this complaint against Bank of America due to their failure to remove me as an authorized user from a credit card account and their continued reporting of delinquent activity to the credit bureaus under my name.

Issue Summary I was added as an authorized user on a Bank of America credit card account. 
On XX/XX/year>, I contacted Bank of America customer service and requested to be removed as an authorized user from the account.

Despite my request, I was never removed from the account.

The account later became delinquent, and the delinquency is being reported to the credit bureaus under my credit file, negatively affecting my credit score.

I have made multiple attempts to resolve this issue with Bank of America, but they have failed to take action.

Attempts to Resolve the Issue I contacted Bank of America customer service on XX/XX/year> my removal request. 
I was either told that my request was processed or that they would investigate, but no action was taken. 
I have disputed the delinquent reporting with the credit bureaus ( XXXX, XXXX, and XXXX ), but the account remains on my credit report. 
I have provided proof that I was an authorized user and not responsible for the debt, yet the negative reporting continues.

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 2025-03-12 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX Account Number XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-03-12 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information being reported on my credit file related to a 30-day late payment for the above-referenced XXXX it Secured Credit Card account, dated XX/XX/year>. 

Per my recent communication with XXXXXXXX XXXX, the creditor has already confirmed the removal of this late payment and provided written documentation stating that they have requested the removal of the delinquency previously reported for XX/XX/year> from my credit history. This was clearly stated in their courtesy deletion letter dated [ insert date if available ]. 

Under the Fair Credit Reporting Act ( FCRA ), Section 602A ( 6:024 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am exercising my right to request the immediate deletion of inaccurate or unverifiable information from my consumer credit report. Additionally, per 15 U.S.C. 1681i, you are required to reinvestigate and promptly remove inaccurate data when the furnisher confirms that the disputed information is incorrect or no longer valid. 

I demand that the late payment for XX/XX/year> be deleted immediately from my credit report to prevent further harm to my creditworthiness, especially since the creditor has acknowledged the error and issued a correction notice to your agency. 

Attached are the following supporting documents for your review : A copy of the letter from XXXXXXXX XXXX  confirming deletion A copy of my drivers license ( ID Verification ) A copy of a recent utility bill or bank statement ( Proof of Address ) Please conduct your reinvestigation, and upon confirmation, remove this negative item from my credit report across all bureausExperian, Equifax, and TransUnionas required by law. Kindly send written confirmation once the deletion is completed. 
Respectfully XXXXXXXX XXXX XXXX XXXX  UCC-1-308 without prejudice

Company response to consumer: Closed with explanation