vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I have recently become aware of a collection account being reported on my credit file that I did not authorize, initiate, or agree to. I was never contacted by the original creditor or the collection agency before this account was placed on my credit report, which is a violation of my rights as outlined under the FCRA.

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 2025-06-28 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 dispute the accuracy and legitimacy of a collection account currently appearing on my credit report. I have no knowledge of this account, nor was I given any notice or opportunity to validate the debt prior to its reporting. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-06-28 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this letter to file a formal complaint against Experian for failing to remove inaccurate and disputed items from my credit report, despite multiple attempts to resolve these issues directly with the credit bureau. 

I am a documented victim of identity theft and have a fraud alert placed on my credit file, effective XX/XX/XXXX. Nevertheless, Experian continues to report several derogatory and inaccurate items that have negatively impacted my credit score and financial well-being. These items include : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This timeshare account was settled and closed in XX/XX/XXXX, with a note indicating it was Paid in settlement. Despite this, the account reflects XXXX  months of potentially negative payment history, including charge-offs and late payments that should have been resolved as part of the settlement agreement. This entry is misleading and does not accurately reflect the agreed-upon terms of closure.

2. Multiple XXXX  XXXX Accounts ( Accounts XXXX XXXXXXXX, XXXX, XXXX ) These accounts were charged off and are now closed. I have disputed these items in good faith, as they do not reflect any open or active balances and should be removed given their small amounts and age.

3. Hard Inquiry XXXXXXXX XXXX  ( Dated XX/XX/XXXX ) I did not authorize this inquiry. As a victim of fraud, I should have been notified and asked for verification. I have attempted to dispute this inquiry with Experian, yet it remains on my report without proper resolution. 

I have followed the appropriate procedures to dispute these inaccuracies, including submitting written disputes and supporting documentation. Despite this, Experian has failed to investigate and correct these errors as required by the Fair Credit Reporting Act ( FCRA ). 

These continued inaccuracies have caused significant harm to my creditworthiness and ability to secure financing, housing, and other essential services. I respectfully request the CFPB to investigate Experians non-compliance with the FCRA and to compel the bureau to : Permanently delete the XXXX XXXXXXXX XXXX XXXX accounts from my report. 
Remove the unauthorized inquiry from XXXX Mortgage. 
Acknowledge and honor the fraud alert already in place on my file. 

Thank you for your attention to this matter. Please do not hesitate to contact me if additional documentation or details are needed to proceed.

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 2025-06-28 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this letter to file a formal complaint against Experian for failing to remove inaccurate and disputed items from my credit report, despite multiple attempts to resolve these issues directly with the credit bureau. 

I am a documented victim of identity theft and have a fraud alert placed on my credit file, effective XX/XX/XXXX. Nevertheless, Experian continues to report several derogatory and inaccurate items that have negatively impacted my credit score and financial well-being. These items include : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This timeshare account was settled and closed in XX/XX/XXXX, with a note indicating it was Paid in settlement. Despite this, the account reflects XXXX  months of potentially negative payment history, including charge-offs and late payments that should have been resolved as part of the settlement agreement. This entry is misleading and does not accurately reflect the agreed-upon terms of closure.

2. Multiple XXXX  XXXX Accounts ( Accounts XXXX XXXXXXXX, XXXX, XXXX ) These accounts were charged off and are now closed. I have disputed these items in good faith, as they do not reflect any open or active balances and should be removed given their small amounts and age.

3. Hard Inquiry XXXXXXXX XXXX  ( Dated XX/XX/XXXX ) I did not authorize this inquiry. As a victim of fraud, I should have been notified and asked for verification. I have attempted to dispute this inquiry with Experian, yet it remains on my report without proper resolution. 

I have followed the appropriate procedures to dispute these inaccuracies, including submitting written disputes and supporting documentation. Despite this, Experian has failed to investigate and correct these errors as required by the Fair Credit Reporting Act ( FCRA ). 

These continued inaccuracies have caused significant harm to my creditworthiness and ability to secure financing, housing, and other essential services. I respectfully request the CFPB to investigate Experians non-compliance with the FCRA and to compel the bureau to : Permanently delete the XXXX XXXXXXXX XXXX XXXX accounts from my report. 
Remove the unauthorized inquiry from XXXX Mortgage. 
Acknowledge and honor the fraud alert already in place on my file. 

Thank you for your attention to this matter. Please do not hesitate to contact me if additional documentation or details are needed to proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRSTBANK
State: CO

Complaint narrative:
I called First Bank XXXX  twice and the agent on phone pretended ( both times ) she had trouble hearing me. 

XX/XX/XXXXXXXX XXXX XXXX ( A ) ( addresses below ) did not have smallest size available. They deid not offer help with other Post Offices. At XXXX I purchased the next size up for 6 months ( a rediculous {$120.00} ) with XXXX XXXX XXXX XXXX dont have smaller size. Agent said if I returned tomorrow, they would refund the fee 100 %. 

XX/XX/XXXX at XXXX I secured smallest size for {$99.00} at XXXX XXXX ( XXXX ). 

At XXXX am I returned to XXXX XXXX, and they all DID NOT WANT TO SERVICE ME,,,, I HEARD EVERY EXCUSE IN THE BOOK. I WAS TOLD XXXX THE MANAGER WOULD CALL ME BACK BEFORE XXXX. 

ABSOLUTELY NOTHING HAPPENED XX/XX/XXXX AT XXXX, i returned to XXXX XXXX XXXX XXXX THEY TOOK AN HOUR TO FIND XXXX, MADE ME GO TO XXXX OTHER WINDOWS ( I'M XXXX y/o with XXXX, using a XXXX  ). She offered 50 % refund with a postal money order. 

I want the PO to refund 100 % of fee since I returned the keys With XXXX hours. AND REFUNDED TO MY DEBIT VISA CARD IMMEDIATELY. 

AND I HAD NOT USED THE XXXX XXXX XXXX XXXX XXXX " Once the PO Box is used they would refund fee - 3 months. I've used PO Boxes before and they do not let you use it for over a week, while they check you are legitimate. 

XXXX XXXX XXXXXXXX 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am formally disputing inaccurate and unauthorized information listed on my TransUnion credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request immediate investigation and correction of the following : Inaccurate 30-Day Late Payment to Be Corrected ( FCRA 611 ) Ally Financial Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX AZ XXXX ( XXXX ) XXXX Equifax/Experian/TransUnion Subject : Dispute of Bankruptcy Reporting Request for Immediate Removal I am writing to formally dispute the reporting of a bankruptcy case currently appearing on my credit report. The information in question is inaccurate, unverifiable, and must be removed immediately under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

The bankruptcy record listed is not directly reported by the Bankruptcy Court. In fact, the U.S. Bankruptcy Court does not furnish information to the credit reporting agencies. Instead, credit bureaus typically rely on third-party vendors who access public records, such as those found in the PACER ( Public Access to Court Electronic Records ) system. PACER is not a data furnisher as defined by the FCRA, and its use for verification purposes is not compliant with federal law. The FCRA requires that all information on a credit report be accurate, complete, and verifiable by the original furnisher of the information.

Additionally, I have contacted the Bankruptcy Court directly, and they have confirmed that they do not report or verify information to the credit bureaus. Therefore, any information obtained indirectly through PACER or other unofficial sources is insufficient to satisfy the FCRAs accuracy and verification requirements.

I hereby request that you immediately remove the bankruptcy from my credit file, as it can not be properly verified through a legally permissible method. If you are unable to verify this item directly with the original furnisherwhich, again, the court is notthen it must be deleted under 611 ( a ) ( 5 ) of the FCRA.

Please conduct a reinvestigation into this matter and provide me with written confirmation of your findings. If the bankruptcy entry is not removed within the 30-day window allowed by law, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and consider legal remedies for non-compliance. 

Sincerely, XXXX XXXX Enclosures ( if any ) : Copy of identification ( driver 's license, social security card ) Copy of US Bankruptcy Court - Northern District of GA - Letter # 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 2025-06-28 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: PR

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make a report containing any of the following items of information Any other adverse item other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - DATE OPENED : XX/XX/2021 - BAL OWED : {$440.00}. 

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 2025-06-28 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:
I submitted a report stating that an account that was XXXX  XXXX ago is now being reported as XXXX  with a balance and is showing as XXXX. They keep stating it's been verified. Even though every previous debt had been wiped out through my chapter XXXX bankruptcy that was XXXX in XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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