vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: NY

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!

"

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 2025-05-22 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
This XXXX account XXXX have been deleted since XXXX of XXXX and was reinserted back on my credit report in XXXX and been reported on my report on and on since then. I recently got a consumer lawyer and to take Equifax to court and XXXX. This situation has caused me undue hardship because im taking care of my daughter who has XXXX. This up down battle with Equifax every month o removes this account has been draining. Doing Equifax breach in XXXX some of my information was stolen out there database. In this complaint I have included a police report, FTC REPORT and copy of my ID. Equifax also lied and said the FTC REPORT WASNT VALID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
Due to the separation of XXXX XXXX, there was no further correspondence from Armed Forces Exchange. There is no further information about debt being owed. When looking on credit report it is listed under Armed Forces exchange. When I contacted them they no longer had my account and I never received any notification about my balance being sold, leading to a drastic amount of late fees.

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 2025-05-22 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: SC

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 SC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} Inquiries XXXX XXXXXXXX XXXX XXXX Date XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NJ

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 NJ XXXX XXXX XXXX and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-05-22 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There's an inquiry for a credit/loan product I did not apply for. An incorrect inquiry is showing up on my Equifax credit report for : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX, MA 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 2025-05-22 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:
Dear TransUnion, EXPERIAN and EQUIFAX I am writing to dispute inaccurate information on my credit report regarding the account listed below. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), you are required to ensure the maximum possible accuracy of the information reported. I believe the data listed is incorrect, and I request a thorough investigation. 

Account Details : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment - Auto Loan Date Opened : XX/XX/XXXX Balance : {$38000.00} Last Reported : XX/XX/XXXX The information reported does not align with my records. Please investigate and correct any inaccuracies, including but not limited to the balance and payment history. Enclosed are copies of supporting documentation for your review. I request that you provide the results of your investigation in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-05-22 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:
Dear TransUnion, EXPERIAN and EQUIFAX I am writing to dispute inaccurate information on my credit report regarding the account listed below. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), you are required to ensure the maximum possible accuracy of the information reported. I believe the data listed is incorrect, and I request a thorough investigation. 

Account Details : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment - Auto Loan Date Opened : XX/XX/XXXX Balance : {$38000.00} Last Reported : XX/XX/XXXX The information reported does not align with my records. Please investigate and correct any inaccuracies, including but not limited to the balance and payment history. Enclosed are copies of supporting documentation for your review. I request that you provide the results of your investigation in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
DATING BACK AS FAR AS XX/XX/year> CASH APP HAS BEEN TAKING UNAUTHORIZED PAYMENTS FROM MY ACCOUNT IN THE AMOUNT OF {$33.00} TO AMOUNTS AS LOW AS {$2.00} WHEN I CONATCTED THE COMPANY I WAS UNABLE TO CONTACT A DIRECT PERSON AS WAS TOLD THAT THE ISSUE WOULD BE RESOLVED WITH IN 5-10DAYS HOWEVER THAT ALSO WAS MISS LEADING INFOMATION IVE CONTACTED A FALSE NUMBER TO ONLY HAVE GIVIN THEM ALL OF MY INFORMATION PERSNAL ACCOUNT NUMBER FOR THEM TO HAVE BEEN ABLE TO GET INTO MY ACCOUNT AN HAVE HACKED IT A TOTAL OF {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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 pulled my credit reports and noticed several accounts that i did not open that are severely affecting my 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NV

Complaint narrative:
I was given the wrong date and information on when I would default on my loan. I set up a electronic payment for a payment to avoid a default based on the date given to me. I was called 2 weeks prior to the date and was told that I had already defaulted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX Account number XXXX Claim ID XXXX Called for resubmission of claim on XX/XX/XXXX Submitting documents XX/XX/XXXX RESUBMITTING XX/XX/XXXX Good afternoon to the Bank of America Fraud Department : I am very disappointed that this claim, which was reopened, was dismissed as a duplicate claim. 

I NEVER RECEIVED THE MERCHANDISE ORDERED AND DEMAND A FULL REFUND. 

Please investigate this claim once more and refund me the {$450.00} that was deducted from my account. 

On XX/XX/XXXX, I purchased a chair from XXXXXXXX XXXX XXXXXXXX for {$49.00}. This was online, either a XXXX or XXXX ad. I have the receipt from XXXX XXXX and it is included in this claim. 

I received an email receipt as well from XXXXXXXX XXXX XXXXXXXX in the amount of {$49.00}. It is attached to this claim. 

On XX/XX/XXXX, as I was driving in my car, I received a notification that XXXXXXXX XXXX XXXXXXXX charged me {$490.00} for the chair. This was not the original price I authorized. I am attaching that receipt as well. 

Overall, I approved and provided my card number for {$49.00} only. That is all. I had to close my card and request a new one. This is FRAUD. I attempted to resolve with the merchant however the links were broken. There is no phone number. I also never received the chair. 

I am asking you to please refund me the money that was stolen from me. 

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 monetary relief
Consumer complaint received 2025-05-22 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:
Im reaching out because I just noticed a credit inquiry from your company on my reportand Im going to be absolutely clear : I never gave you permission to pull my credit. I didnt apply for anything, I didnt authorize this, and I had no interaction with your company that would justify you accessing my personal information.

This inquiry is unauthorized, and as far as Im concerned, its fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7300.00} XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7300.00} XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX 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 2025-05-22 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:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7300.00} XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7300.00} XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, In early XX/XX/XXXX, I was informed by one of my vendors that he had not received the payment I had mailed him. Upon verification, the check I had issued from by account at XXXX XXXX XXXX, for {$2500.00}, # XXXX, dated XX/XX/XXXX, payable to XXXX XXXX had been negotiated by Bank of America. I followed the instructions my bank gave me and filed the required affidavits of forgery. On XX/XX/XXXX, my Bank sent this request on a collection basis to Bank of America. On XX/XX/XXXX, Bank of America denied this claim on the basis that the intended payee received benefit from the check in question and the check was deposited into the intended payee 's account. 

The endorsement on the check in question was clearly not endorsed by my vendor, XXXX XXXX, as evidenced by the affidavit of forgery he signed. I am requesting documented proof that my vendor, the legitimate XXXX XXXX, received the benefit of the {$2500.00} or reimbursement of these funds back to me. I have remitted a replacement check to my vendor, XXXX XXXX. 

I am looking forward to a speedy resolution in this matter. 

Thank you,

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