vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXXXXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} 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} XXXX CARD - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXXXXXX SC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX CARD - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
today XX/XX/year> Apple/Goldman Sachs Closed my apple credit card without notice or reason. Upon staring a chat with customer service I was originally connected and then ignored. I have to request chat for customer service again and then I was connected to a supervisor name XXXX. I then was told that my account was closed by the XXXX  for " Regulatory Issues ''. The answer was very vague and not informative. I have been good Customer and ive paid my bill. Never carried a balance. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
In XX/XX/XXXX, I discovered a fraudulent credit card account from XXXX ( partially shown as account # XXXX ) on my credit report. I disputed the account, and it was deleted after being identified as a product of identity theft. 

However, in XX/XX/XXXX, this same account was reinserted into my credit report by XXXX or more consumer reporting agencies ( CRAs ) without notifying me, in violation of the Fair Credit Reporting Act ( FCRA ). 

According to FCRA 1681i ( a ) ( 5 ) ( B ), if a previously deleted item is reinserted, the credit bureau must : Notify the consumer in writing within XXXX business days ; Provide the name, address, and phone number of the furnisher who certified the informations accuracy. 

I did not receive any written notice, nor was I provided with the furnishers identity. This violates both my right to proper reinsertion notice and my right to block identity theft-related information under FCRA 1681c-2.

What laws were violated?

FCRA 1681i ( a ) ( 5 ) ( B ) : Requires CRAs to notify consumers in writing and identify the furnisher when previously deleted information is reinserted. 
FCRA 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

FCRA 1681c-2 : Requires CRAs to block information resulting from identity theft when documented by an FTC Identity Theft Report.

FCRA 1681n / 1681o : Provides for legal remedies in the case of willful or negligent noncompliance. 



What would be a fair resolution to this issue? 
XXXX. Permanently delete the XXXX account ( XXXX ) from all of my credit reports. 
XXXX. Provide a written explanation stating : Why the account was reinserted, Who certified it ( furnishers name, address, and phone number ), And why I was not notified as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Correct any credit score or reporting impact caused by the reinsertion.

4. Ensure the account is blocked permanently under FCRA 1681c-2 and not re-reported without proper legal justification and verification.

5. Enforcement action should be taken if the reinsertion violated federal law, and statutory damages should be considered under FCRA 1681n and 1681o if the reinsertion was negligent or willful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am 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 2025-07-15 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 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 2025-07-15 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: OH

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 2025-07-15 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
I wrote to formally dispute the validity of an alleged bankruptcy listed on my credit report to LCIXXXX , associated with my Social Security number . This inaccurate and defamatory entry has significantly affected my credit standing and is in violation of multiple provisions within the Fair Credit Reporting Act ( FCRA ) and U.S. Code. 

On XX/XX/XXXX and again on XX/XX/XXXX, I contacted Transunion and LCI/XXXX to challenge the accuracy of this entry. I was informed that the data had been verified through XXXX records. On XX/XX/XXXX, I submitted a written request to XXXX for all documentation used to verify this alleged bankruptcy, including original documents bearing my signature and that of the Clerk of the Court. 

XXXX responded stating that they initiated a dispute and resolved the investigation as of XX/XX/XXXX. During their process, they removed the following from my consumer file : BANKRUPTCY RECORD CASE NUMBER XXXX This proves that XXXX no longer reports this record, nor do they submit such data to any credit bureau. I also possess a court document signed by the judge confirming that the alleged bankruptcy court does not share data with third-party agencies. Therefore, XXXX claim of verification through either the court or XXXX or LCIXXXX is demonstrably inaccurate. This conduct is either a grievous error or a willful misrepresentation. 
In accordance with : -FCRA 611, 15 USC 1681i Reinvestigation of disputed information - FCRA 605B, 15 USC 1681c-2 Blocking of information resulting from identity theft - 15 USC 1681b ( 2 ) Permissible purposes for access - 15 USC 1681q Unauthorized disclosures - 18 USC 1028A Aggravated identity theft I am formally requesting an immediate reinvestigation and removal of the false bankruptcy record from my credit report. This erroneous data violates the FCRA and subjects the responsible parties to potential statutory damages of up to {$1000.00} per violation, including for defamation and negligent enablement of fraud.

Additionally, I was included in the TransUnion Class Action Lawsuit, further underscoring the pattern of improper reporting behavior.

Please consider this my official notice that I am keeping detailed records of all correspondence and actions related to this matter. Failure to remove this information promptly will result in further pursuit of my legal rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened a Truist business credit card in XX/XX/year>, and an online profile was created at the branch so I could track spending and make payments. However, I later learned from the XXXX XXXX that my account had been mistakenly set up and billed to a corporate account, which led to a number of critical access and payment issues. 

Due to this banking setup error : The account could not be accessed through the regular online banking XXXX XXXX information was not visible XXXX payments were not possible As a result, I unknowingly missed a payment. This triggered a late fee, revoked my 0 % XXXX promotional offer, and led to {$690.00} in interest charges across XXXX, XXXX, XXXX, XXXX, and XXXX. 

I made multiple attempts to resolve the issue at the branch and over the phone, including a XXXX hour and XXXX call on XX/XX/year>, with a Truist supervisor who also struggled to process a payment on my behalf. Truist ultimately created a second login on XX/XX/XXXX, which now correctly displays account informationbut the damage had already been done. 

While I did receive XXXX debit gift cards ( {$25.00} and {$50.00} ) as a goodwill gesture, this does not address the financial harm caused. 

I escalated the issue to the advocacy department twice. Despite documented emails from the branch XXXX acknowledging the setup error, both case managers claimed it was not a Truist error and declined to resolve the matter. On XX/XX/year>, I was also denied a written explanation of the decision. 

As a responsible banking customer with no prior late payments, no missed payments, and no derogatory marks across all three credit bureaus, I take my financial health very seriously. I would never intentionally miss a payment. 

On XX/XX/XXXX, XXXX late fee and XXXX month of interest were reversed " as a courtesy, '' but this falls far short of a fair resolution.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-15 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:
XXXX I am reporting that Equifax is refusing to block a fraudulent account from my credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B.

I filed a legitimate Identity Theft Report with the Federal Trade Commission ( FTC ) and provided Equifax with all required documentation, including : The FTC Identity Theft Report A written request identifying the specific fraudulent account ( a federal education loan ) Proof of my identity XXXX has already removed this item from my credit file. The account is currently under active investigation by the U.S. Department of Education.

Despite complying with all legal requirements, Equifax has refused to block or remove the account, even though the FCRA clearly requires they do so within four business days. Their inaction is damaging my credit and creating additional harm as I try to resolve this fraud case. 

I am requesting the CFPB intervene and compel Equifax to immediately block and remove the fraudulent item as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. Specifically, these accounts are associated with the following entity : XXXX XXXX XXXX XXXX XXXX. It is of utmost importance to underscore that these accounts do not belong to me and are fraudulent. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. 
Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-07-15 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: CA

Complaint narrative:
In XXXX and XXXX, I discovered fraudulent credit card accounts on my credit reports from the following companies : XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX ( Account ending in XXXX ) XXXX XXXX  ( XXXX accounts ending in XXXX and XXXX ) These accounts were the result of identity theft and were properly disputed and deleted from my credit files. However, in XX/XX/XXXX, they were reinserted into my credit reports without any advance notice or legal justification. 

According to the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ), when previously deleted information is reinserted : The credit bureau must notify the consumer in writing within XXXX business days ; and Disclose the name, address, and phone number of the furnisher that certified the accuracy of the information. 

I received no such notice and was not provided with the identity of any furnisher. This reinsertion occurred despite my prior FTC Identity Theft Report, which clearly documents these accounts as fraudulent. The actions of the credit bureaus and any furnishers involved constitute willful and negligent violations of my rights under federal law and have harmed my credit and financial reputation. 



What laws were violated? 
FCRA 1681i ( a ) ( 5 ) ( B ) : Requires credit bureaus to notify consumers within XXXX business days of reinsertion and to disclose the identity of the furnisher. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know to be inaccurate or previously disputed. 
FCRA 1681c-2 : Requires permanent blocking of identity theft-related information when a valid identity theft report is submitted. 
FCRA 1681n and 1681o : Provides remedies for willful and negligent noncompliance, including actual and statutory damages. 



What would be a fair resolution? 
XXXX. Permanent deletion of the fraudulent accounts from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  from all credit reports. 
XXXX. A written explanation from each credit bureau that includes : The reason and date for the reinsertion ; The name, address, and phone number of each furnisher who certified the reinsertion ; An explanation of why I was not notified as required by FCRA 1681i ( a ) ( 5 ) ( B ). 
XXXX. Correction of my credit file and credit score, including removal of all negative impacts caused by these accounts. 
XXXX. Written assurance that these accounts will not be re-reported again unless all FCRA requirements are strictly followed. 
XXXX. If the credit bureaus or furnishers are found to have acted willfully or negligently, I request appropriate regulatory enforcement and/or statutory damages under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation