vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: MS

Complaint narrative:
I went to purchase a new car and discovered that I had several negative 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 explanation
Consumer complaint received 2025-08-06 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: MS

Complaint narrative:
I went to purchase a new car and discovered that I had several negative items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: WV

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 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have submitted several request to TransUnion to remove information I gave no permission to be placed on my report. 

XXXX. Hard Inquiry from XXXX XXXX  XXXX XX/XX/XXXX I gave no permission to be placed on my report. 
XXXX. XXXX XXXX XX/XX/XXXX, I have requested validation from this company and they have refused to provide a full and complete validation of debt and have continued to violate my rights by harassing me with emails after I have opted out of this type of communication. 

Equifax : I have sent several request for them to remove incorrect information. 
XXXX. My address is XXXX XXXX XXXX XXXX XXXX NC XXXX, they have listed XXXX XXXX XXXX XXXX XXXXXXXX this is not my address and requested it be removed from my report and it remains. 
XXXX. XXXX XXXX : I have requested this be removed since company will not respond to request to fully validate allege debt and have been harassing me by multiple email communications after I have requested this to stop.

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 2025-08-06 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX Michigan XXXXEquifax Information Services, LLCXXXX XXXX XXXX  GA  XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Equifax Consumer Services,XXXXI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.XXXXThe fraudulent accounts that I have identified on my credit report are as follows: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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profileXXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changesXXXXIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided aboveXXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
b'I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction(s) that I have made. It is the result of identity theft.\n1. XXXX XXXX XXXX XXXXXXXX2. XXXX XXXX XXXX XXXX XXXX XXXXXXXX3. XXXX XXXX XXXX XXXXXXXX4. XXXX XXXX XXXX XXXX XXXXXXXX5. XXXX XXXX XXXX XXXX XXXXXXXX6. XXXX XXXX XXXX XXXX7. XXXX XXXX XXXX XXXX8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX9. XXXX XXXX XXXX XXXX10. XXXX XXXX XXXX (Inquiry)\n11. XXXX XXXX (Inquiry)\n12. XXXX XXXX  (Inquiry)'

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 2025-08-06 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: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 explanation
Consumer complaint received 2025-08-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
I am a victim of identity theft and have followed all required steps under the Fair Credit Reporting Act ( FCRA ), Section 605B, to have a fraudulent account blocked from my credit report. Experian has refused to comply with federal law. 

Details : I previously filed a dispute with Experian regarding a fraudulent XXXX XXXX XXXX ( XXXX ) aka. XXXX XXXX XXXX XXXX XXXX XXXX account on my credit report. At the time, the dispute may not have been processed as an identity theft claim. I have since filed a valid FTC Identity Theft Report ( attached ), and I have also filed a police report ( attached ) affirming this is identity theft. 

Under FCRA 605B, Experian is legally obligated to block this item from my credit report within four business days of receiving : A valid FTC Identity Theft Report Proof of identity ( which I provided ) Identification of the fraudulent account Despite satisfying all legal requirements, Experian has continued to report the item. In my previous attempts, they claimed that the creditor verified the debt, but under Section 605B, creditor verification is irrelevant the credit bureau is obligated to block the item if identity theft is properly documented. 

This refusal to block a fraudulent item is a clear violation of federal law and is severely impacting my ability to move forward with my life and career. 

I respectfully request that the Consumer Financial Protection Bureau enforce compliance with the FCRA and hold Experian accountable. I am attaching : My FTC Identity Theft Report My police report Proof of my identity Requested resolution : Immediate removal ( block ) of the fraudulent The XXXX XXXX  XXXX XXXX XXXX XXXX account from my Experian credit report under FCRA 605B XXXX 

Removal of associated address of the account : XXXX XXXX XXXX XXXX ' from my personal information

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 2025-08-06 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
At the end of XX/XX/year>, a hacker gained access to my office managers email account and used it to deceive XXXX of our customers. The hacker claimed that our bank account was under IRS audit and instructed the customer to redirect all payments to a new accountfraudulently set up under our company name. The fraudulent banking details provided were : Account Number : XXXX Routing Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Bank Name : Bank of America As a result, the customer transferred an overdue payment of {$270000.00} to this fraudulent account. Fortunately, the bank flagged the transaction as suspicious, prompting the customer to call me. I immediately informed them it was a scam. The bank claimed they would freeze the fraudulent account and reverse the wire transfer. However, despite numerous follow-up calls over the past XXXX weeks, I have been unable to obtain any information or updates. At XXXX point, a bank representative even told me they would only provide details if I could have the hacker contact them directlywhich is clearly unreasonable.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
It is incredibly disheartening to know that my rights as a consumer are being violated. Like anyone else, I value my credit score, and the inaccuracies on my credit report have had a damaging impact, not only on my financial opportunities but also on my mental well-being. Despite my repeated efforts to resolve these issues, my requests continue to be ignored or disregarded.

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 2025-08-06 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: LA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights 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 explanation
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
XXXXI am submitting this complaint against Experian for failing to remove and properly investigate unauthorized hard inquiries on my credit report, despite receiving a formal written dispute mailed via USPS Certified Mail to their headquartersXXXXUpon reviewing my Experian credit report dated XXXX XXXX XXXX I discovered multiple unauthorized hard inquiries that I never initiated, authorized, or consented to. These include inquiries from: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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report to a third party with a valid permissible purpose and with the consumers authorization. I did not authorize these inquiries and have no active credit applications with any of these companies.XXXXIn accordance with FCRA  1681i, I mailed a formal written dispute requesting that Experian investigate and delete these inquiries unless verified with documented evidence of my authorization and a permissible purpose.XXXXThe disputes were sent via USPS Certified Mail to Experian as follows:XXXXEXPERIAN XXXX   USPS Certified Mail Tracking XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN  USPS Certified Mail Tracking XXXX XXXX XXXX XXXX XXXX XXXXDespite delivery and notice, Experian has failed to remove the unauthorized inquiries or provide any evidence verifying the legitimacy of these credit pulls. They have not responded with documentation or results of a reinvestigation as required by law.XXXXExperians conduct constitutesXXXXA violation of FCRA  1681b, by reporting inquiries without permissible purpose or consumer authorizationXXXXA violation of FCRA  1681i, by failing to conduct a reasonable reinvestigation and correct inaccurate informationXXXXOngoing damage to my credit profile and FICO score, due to the presence of multiple unauthorized inquiries.'

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