vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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 NY XXXX ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$18.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
I am bringing this matter to your attention to seek the urgent removal and blocking of several unauthorized accounts from my credit report. I did not initiate, authorize, or recognize these accounts, and I have no information on how they were added. Pursuant to USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for your review. I also want to highlight that the information related to these accounts differs across the credit bureaus and is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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 XXXX  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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and XXXX toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am reaching out once again to request help, as Bank of America is not assisting me in getting out of this situation. I have called everywhere, contacted every assistance agencyNO ONE wants to help me.

This is the second formal complaint I am submitting from here. I will upload proof showing how the interest charges from Bank of America are crushing me. 

I need help paying this off. I need a payment plan to be able to get out of this! 

I tried to pay and sent {$100.00} and they charged me {$100.00} in interest! I just cant get out of this debt. Please, I dont know what else to do anymore.

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 2025-06-20 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: CA

Complaint narrative:
Trans Union will not honor the FTC report therefore is committing fraud and violating the FCRA the special handling department keeps lying. I request that you put them under investigation. 

I did not open these XXXX accounts please remove both accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-06-20 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Account Number 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
am disputing the reporting of an XXXX credit card account ending in XXXXXXXX XXXX XXXX XXXX XXXX, originally opened on XX/XX/XXXX, and closed on XX/XX/XXXX. As of XX/XX/XXXX, the account continues to report derogatory marks and late payments despite being closed and charged-off nearly XXXX years ago. 

According to the Fair Credit Reporting Act ( FCRA ), a closed account should not continue to reflect new delinquency activity. The payment history continues to update post-closure, with ongoing reports of missed payments throughout XXXX and XXXX. This violates the FCRA and constitutes illegal re-aging of debt, which artificially extends the negative impact on my credit file. 

The account reflects a worst status of XXXX days late, yet the reported balance is inconsistent and the credit limit is {$0.00}, which makes it impossible for future late payments to occur legitimately. 

I contacted the credit bureau and requested validation, correction, or deletion of this account. No adequate validation has been provided. The account is falsely kept alive on my credit report in derogatory status, in violation of my consumer rights under federal law. 




-- - Legal Violations Committed by XXXX XXXX Credit Bureau : 1. FCRA 605 ( a ) ( 5 ) Re-aging debt to report beyond legal time frame 2. FCRA 607 ( b ) Failure to ensure maximum possible accuracy 3. FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation 4. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing of knowingly inaccurate information 5. FCRA 623 ( a ) ( 2 ) Failure to update and correct inaccurate info 6. FCRA 623 ( b ) Failure to correct errors upon notice of dispute 7. FCRA 605 ( c ) Improperly extending derogatory data past closing date 8. FCRA 602 ( a ) Violation of consumers right to fair and accurate reporting 9. FDCPA 807 ( 2 ) ( A ) False representation of character and legal status of debt 10. FDCPA 809 ( a ) ( 1 ) Failure to validate debt upon request

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 2025-06-20 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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 XXXX XXXXXXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$59000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Account CKS PRIME INVESTMENTS, I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
Hard Inquiry AMERICAN CREDIT ACCEPTANCE dated XX/XX/year>, was not authorized to access my credit report. I am unaware of this inquiry and was not provided the opportunity to dispute. Please provide " Certified Mail '' with a receipt displaying my signature. If not, please delete this inquiry from my credit report as soon as possible, or I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NV

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against XXXX  XXXX Account Number XXXX and the XXXX major credit reporting agenciesExperian, Equifax, and TransUniondue to multiple violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). XXXX  XXXX has erroneously placed this account on my credit report, negatively impacting my credit standing. Despite my repeated requests, they have failed to provide legally required documentation to validate these debts. Specifically, XXXX XXXX has refused to provide the following : Proper accounting records True validation of debt Forward flow agreement Chain of assignment Purchase agreement Insurance claim of debt My signature agreeing to pay Their refusal to furnish these records violates 15 U.S.C. 1692g under the FDCPA, which requires debt XXXX to verify debts upon request. Additionally, XXXX XXXX has engaged in harassment and deceptive practices, including : Issuing Mini XXXX warnings in an intimidating manner Misrepresenting themselves as a government agency, violating 15 U.S.C. 1692e ( 1 ) Furthermore, XXXX XXXX has violated the Gramm-Leach-Bliley Act ( GLBA ) Sections XXXX & XXXX, which mandate financial institutions to protect consumer privacy and properly disclose how personal financial information is handled. CAPITAL XXXX has failed to : Provide clear privacy notices regarding my financial information Obtain proper authorization before sharing or handling my personal financial details Ensure transparency regarding their use of my data These violations infringe upon consumer protection laws intended to safeguard financial privacy and fair debt collection practices. Moreover, the credit bureaus have failed to properly investigate my disputes, violating 15 U.S.C. 1681i ( a ) under the FCRA. Despite my requests, they have neglected their obligation to remove inaccurate information from my report, unjustly supporting XXXX XXXX  improper reporting practices. I request immediate action from the CFPB to investigate XXXX XXXX 's unlawful collection tactics and the failure of credit bureaus to fairly review my disputes. I demand the immediate removal of these accounts from my credit report due to lack of proper validation and documentation. I appreciate your prompt attention to this matter and look forward to your response. Please contact me if further information is required.

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 2025-06-20 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:
Dear CFPB, I am writing to formally lodge a complaint against XXXX  XXXX Account Number XXXX and the XXXX major credit reporting agenciesExperian, Equifax, and TransUniondue to multiple violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). XXXX  XXXX has erroneously placed this account on my credit report, negatively impacting my credit standing. Despite my repeated requests, they have failed to provide legally required documentation to validate these debts. Specifically, XXXX XXXX has refused to provide the following : Proper accounting records True validation of debt Forward flow agreement Chain of assignment Purchase agreement Insurance claim of debt My signature agreeing to pay Their refusal to furnish these records violates 15 U.S.C. 1692g under the FDCPA, which requires debt XXXX to verify debts upon request. Additionally, XXXX XXXX has engaged in harassment and deceptive practices, including : Issuing Mini XXXX warnings in an intimidating manner Misrepresenting themselves as a government agency, violating 15 U.S.C. 1692e ( 1 ) Furthermore, XXXX XXXX has violated the Gramm-Leach-Bliley Act ( GLBA ) Sections XXXX & XXXX, which mandate financial institutions to protect consumer privacy and properly disclose how personal financial information is handled. CAPITAL XXXX has failed to : Provide clear privacy notices regarding my financial information Obtain proper authorization before sharing or handling my personal financial details Ensure transparency regarding their use of my data These violations infringe upon consumer protection laws intended to safeguard financial privacy and fair debt collection practices. Moreover, the credit bureaus have failed to properly investigate my disputes, violating 15 U.S.C. 1681i ( a ) under the FCRA. Despite my requests, they have neglected their obligation to remove inaccurate information from my report, unjustly supporting XXXX XXXX  improper reporting practices. I request immediate action from the CFPB to investigate XXXX XXXX 's unlawful collection tactics and the failure of credit bureaus to fairly review my disputes. I demand the immediate removal of these accounts from my credit report due to lack of proper validation and documentation. I appreciate your prompt attention to this matter and look forward to your response. Please contact me if further information is required.

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