vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Dept of EDXXXX account XXXX XXXX this account was paid off prior to date and should have been deleted as of 2017. Made several contacts regarding information and going online to XXXXstudentaid.govXXXX Step=process. With no access to their website with my information being verified. I was told that they had no information on this account. Therefore they have no right to report or leave the adverse creditor on all three major credit reports, which has affected my credit report.

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 2025-04-09 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: IN

Complaint narrative:
Dept of EDXXXX account XXXX XXXX this account was paid off prior to date and should have been deleted as of 2017. Made several contacts regarding information and going online to XXXXXXXX XXXX. With no access to their website with my information being verified. I was told that they had no information on this account. Therefore they have no right to report or leave the adverse creditor on all three major credit reports, which has affected my credit report.

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 2025-04-09 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: IN

Complaint narrative:
Dept of EDXXXX account XXXX XXXX this account was paid off prior to date and should have been deleted as of 2017. Made several contacts regarding information and going online to XXXXstudentaid.gov/XXXX Step=process. With no access to their website with my information being verified. I was told that they had no information on this account. Therefore they have no right to report or leave the adverse creditor on all three major credit reports, which has affected my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
My name is XXXX XXXX. On XX/XX/XXXX, I filed a complaint with you guys case number XXXX against Equifax regarding identity theft and items that were a result of my identity being stolen and that were fraudulently being reported to my credit report. I attached a copy of my FTC Identity Theft report, proof I am a victim of the Equifax Data Breach and my original dispute letter that they never responded to.The below items are a result for this fraud and need to be removed and deleted. 

XXXX  Opened XX/XX/XXXX {$XXXX} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$XXXX} Opened XX/XX/XXXX XXXX XXXX  XXXX {$XXXX} XXXX, XXXX, XXXX XXXX XXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXX XXXX {$XXXX} XX/XX/XXXX XXXX XXXX XXXX XXXX {$XXXX} Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  opened XX/XX/XXXX {$XXXX} I also disputed addresses associated with fraudulent accounts which is XXXX Red XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never been associated with XXXX XXXX XXXX and XXXX XXXX XXXX as far as employment and they have no record of me. 

And the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As I stated in my original dispute letter, and my previous complaint I have never applied for the above accounts or had any relationship or business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to fix this XXXX XXXX  thats been going on. I dont know how this person got ahold of my identity. I first found out when I tried to go open a bank account which still havent been able to because of another person having access to my stuff. I installed credit karma to see another person from another city having access to my credit and stuff. Theirs a bunch of credit reports done by that person and it has me devastated. Credit inquiries : XX/XX/year> ( macys credit account ) XX/XX/year>, XXXX XXXX. XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> and XX/XX/XXXX XXXX know theirs been loans and other things taken out by this person. And my credit score is also up which is supposed to be at XXXX since I have never worked on it. Most of the information on my credit karma is what that person has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

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 2025-04-09 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hard Inqueries : XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX - This inquiry was not authorized proceed to remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CO

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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 am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK

Complaint narrative:
hello, this is a salesperson from XXXX XXXX XXXX who would like to file a complaint against East West Bank for intentionally freezing someone else 's account. 
XXXX XXXX XXXX sales staff reached a purchase agreement with the customer on XXXX, XXXX, The invoice name of PI sent on XX/XX/XXXX was XXXX XXXX XXXX XXXX XXXX XXXX, but the account information was XXXX XXXX, so there was a situation that the customer remitted money to XXXX XXXX XXXX XXXX XXXX XXXX, but the transfer of {$11000.00} to East West Bank XXXX XXXX XXXX ( Figure XXXX below ). At this time, the XXXX XXXX XXXX XXXX XXXX was aware of this situation and asked the customer to modify it on XX/XX/XXXX, but the customer informed XXXX XXXX XXXX that the remittance had been successful. ( Figure XXXX below ) Therefore, the customer remitted the final payment of {$11000.00} to XXXX East West Bank on XX/XX/XXXX, also using XXXX XXXX XXXX XXXX XXXX XXXX, because it has been 12 days since the last customer transfer. During this period, XXXX XXXX XXXX bank account has been in normal use, so the customer continues to transfer money in this way ( Figure XXXX below ). On XX/XX/year>, the staff of East West Bank XXXX XXXX XXXX XXXX informed the staff of XXXX XXXX that their account was frozen and requested to provide the agreement of XXXX XXXX XXXX XXXX XXXX entrusted to XXXX XXXX for payment. XXXX XXXX XXXX XXXX XXXX XXXX has provided this CARTS, but East West Bank told us that it takes more than 60 days to investigate and freeze the account of XXXX XXXX XXXX ( Figure XXXX below ), which seriously affects the commercial operation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provide the customs form of export carts to XXXX XXXX XXXX XXXX Figure XXXX below ). There have been many import and export carts before. If East West Bank thinks that carts are fraudulent, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and remitters agree to refund. If East West Bank refuses to refund the money or continues to freeze the account, XXXX XXXX XXXX reasonably believes that East West Bank is intentionally obstructing XXXX XXXX 's business activities and causing substantial economic losses.

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 2025-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This is XXXX XXXX i live i. XXXX XXXX Im in horrible bind right now and i tried to apply to loan places and they straight up told me i have all these credit cards that i am unaware of. I only have a XXXX XXXX card, and vehicle loan from XXXX XXXXXXXX one a vehicle i just got in XXXX that is mine as well. I also was on a website that tells me what other credit cards i have and it popped up that i have all these other credit cards and and XXXX XXXX XXXX phone bill that ive never had because im on my brothers plan. Something isnt right and i know what bills i have. I look at the certain dates and charges. They where all from XXXX  i need to find out who did this to me. Please help

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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account was charged off on the following date XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2025-04-09 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: IL

Complaint narrative:
This account was charged off on the following date XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MA

Complaint narrative:
What happened? 
I am filing a formal complaint against XXXX Bank XXXX for continuing to furnish and report inaccurate, incomplete, and misleading information related to a charged-off credit card account ( Account # XXXX ), with a reported balance of {$770.00}. 

This account was charged off and marked profit and loss write-off. However, XXXX Bank is still reporting a {$770.00} past due balance, which is factually and legally inaccurate. A charged-off account is no longer contractually delinquent, and reporting it as such misleads other creditors and scoring models. Additionally, the tradeline contains multiple data inconsistencies between the credit bureaus : Date of Last Payment is shown as XX/XX/XXXX, yet the Date Last Active is listed as XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ), which is chronologically inconsistent and impossible. 

The status is reported as charged off, yet simultaneously shown as having an active past due balancethis is a contradiction under XXXX XXXX XXXX credit reporting guidelines. 

I have disputed this account multiple times, yet the credit bureaus repeatedly respond with verified as accurate. This raises serious questions about the quality of the investigation conducted. If the account is still showing conflicting, inaccurate, and incomplete information, how can it be verified as accurate? 

Under the Fair Credit Reporting Act ( XXXX  ), this is a direct violation of : XXXX ( a ) ( XXXX ) ( A ) Reporting information with knowledge it is inaccurate. 

XXXX ( XXXX XXXX. XXXX ) Failure to conduct a reasonable reinvestigation of disputed data. 

XXXX ( b ) Credit bureaus must ensure maximum possible accuracy in the information they report. 

Supporting Case Law : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX CRA can not simply verify with the furnisher ; they must conduct an independent investigation. 

XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Failure to correct disputed information after notice XXXX lead to liability. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Continued reporting of a disputed and inaccurate account constitutes willful FCRA violation.

Company response to consumer: Closed with non-monetary relief