vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CXXXX XXXX XXXX XXXX XXXX Transunion reports XXXX XXXXXX/XX/year> when its XX/XX/year>. Equifax is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting as on XX/XX/year> when it should be XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft. Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. Fraudulent Accounts to Be Blocked Creditor Name Date Opened Amount Owed Status XXXX XXXX XX/XX/XXXX. {$2100.00} Closed Unauthorized Inquiries to Be Removed Creditor Name Type of Business Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Experian XXXX XXXX. - XX/XX/XXXX. Experian Experian XXXX XXXX. - XX/XX/XXXX. Experian Supporting Documentation Included : XXXX. A copy of my government-issued ID ( drivers license ). XXXX. A signed copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). XXXX. A copy of the police report documenting the identity theft incident. Relevant Background on Data Breaches My personally identifiable information ( PII ) may have been compromised during XXXX or more of the following data breaches, which have affected millions of consumers : Equifax ( XXXX ) : Exposed SSNs, birthdates, and credit information of XXXX XXXX individuals. XXXX / Experian ( XXXX ) : Compromised drivers license and SSNs of over XXXX XXXX applicants. XXXX XXXX XXXX XXXX XXXX : Included personal and financial data of XXXX XXXX individuals. These breaches likely contributed to the unauthorized use of my identity and the fraudulent activity on my credit file. Request for XXXX XXXX XXXX FCRA Section 605B, you are required to block these fraudulent accounts and inquiries from my credit report within XXXX ( XXXX ) business days of receiving this request and the supporting documentation. Additionally, please notify the creditors listed above that the disputed items were the result of identity theft and should no longer be pursued or reported. Please send written confirmation once the removal and blocking have been completed. If you need additional information, I am reachable at the contact information provided above. Thank you for your time and immediate attention to this matter. Sincerely, 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 explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Date XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Unverified Inquiries on Credit Report Demand for Immediate Removal To Whom It May Concern, I am writing to formally dispute several unauthorized or unverified credit inquiries listed on my credit report maintained by TransUnion.

According to the Fair Credit Reporting Act ( FCRA ), any inquiry or account that can not be properly verified must be removed from a consumer 's credit file. Furthermore, following the XXXX federal lawsuits and recent enforcement actions brought by the CFPB against XXXX, TransUnion, and related entities for violating consumer rights, I am invoking my right to challenge these entries. 

The following inquiries were not authorized by me and must be removed immediately unless you can provide documented evidence of permissible purpose and signed authorization : Name Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Only the following inquiry is legitimate and may remain : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Per the FCRA ( 15 U.S. Code 1681i ), you are legally obligated to investigate and respond within 30 days. If these inquiries can not be verified with documented proof, they must be deleted from my file. 

Please mail a confirmation of the deletions and provide an updated copy of my credit report. Failure to respond within the legal timeframe will result in complaints being filed with the CFPB, FTC, and the XXXX of the Attorney General. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Date : XXXX XX/XX/XXXX Subject : Dispute of Unverified Inquiries on Credit Report Demand for Immediate Removal To Whom It May Concern, I am writing to formally dispute several unauthorized or unverified credit inquiries listed on my credit report maintained by XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), any inquiry or account that can not be properly verified must be removed from a consumer 's credit file. Furthermore, following the XXXX federal lawsuits and recent enforcement actions brought by the CFPB against XXXX XXXX and related entities for violating consumer rights, I am invoking my right to challenge these entries. 

The following inquiries were not authorized by me and must be removed immediately unless you can provide documented evidence of permissible purpose and signed authorization : Name Requested On XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Only the following inquiry is legitimate and may remain : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Per the FCRA ( 15 U.S. Code 1681i ), you are legally obligated to investigate and respond within 30 days. If these inquiries can not be verified with documented proof, they must be deleted from my file. 

Please mail a confirmation of the deletions and provide an updated copy of my credit report. Failure to respond within the legal timeframe will result in complaints being filed with the CFPB, FTC, and the Office of the Attorney General. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This started back in XXXX of XXXX  when I got scam of a XXXX dollars loan that I thought was a real loan with low interest rate. The scammer would deposit XXXX dollars into my savings and checking accounts which I found out later were false deposits. I was suppose to give money back to this person that say it would help my credit score to do it this way. I finally figure that this was a scam after I sent scammer XXXX dollars by XXXX XXXX before I stop.l then went to bank to let them know what was going on and they close both accounts and open new accounts. This is where the problem began with the bank. The scammer made a total of XXXX deposits of XXXX dollars but the bank deducted a total of XXXX deduction of XXXX dollars from my accounts. The problem was that bank made duplicate deduction of XXXX from each account instead of one XXXX deduction from checking. This was the difference in the XXXX too many deduction from savings account. I have went to the banker number of times in the past year to try to fix this error and the banker can see what happened and can't get people in the main office to see this error. They will not correct this error and after over a year l don't know what else to do about this problem. The bank has been texting and calling me almost every day wanting this money that they said I owed them which I know that I don't. The bank did deducted XXXX dollars from my checking account for the scam which I did agree with. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end.

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was a Suntrust client since XXXX. I never had any problems with them having overdrafts. Easy and simple. Since Suntrust merged with other bank and became XXXX. I have been a lot of problems. Anything that comes to my bank they pay and charge me OVERDRAFT fee. To me is easy and simple, if something comes to my bank account and I dont have the funds, dont pay and ask me for overdraft fee, what if is a scam and they take XXXX, do I have to pay? So dont. If I dont have the funds just decline a payment like any other bank does. This Bank XXXX  is a joke. On my application I selected years ago to not have them pay if I dont have the funds, but I keep getting charges if I dont have the funds and they charge me {$36.00} per item even is was something like {$1.00}. This is a robbery without a XXXX to my XXXX. I know is easy to close the account and move on. But I need my money back from all they have got from 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 monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
eport as a result of identity theft. 

The account in question is listed as XXXX and is showing a charge-off status across all three credit bureaus. I did not open this account, authorize its use, or benefit from any services associated with it. 

Additionally, hard inquiries from XXXX and other companies appear on my credit report without my consent. These inquiries were made in connection with fraudulent applications I did not initiate. 

I submitted disputes with the credit bureaus under my rights granted by the FCRA ( 15 USC 1681i ), and I have also submitted an identity theft report to the FTC.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of XXXX XXXX. XXXX ( b ) To Whom It XXXX Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

The following account ( XXXX ) are being reported inaccurately : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am enclosing documentation that clearly proves the information is false and misleading. Your failure to correct this error is not only negligent it is unlawful. You are now on notice that : You must investigate this item thoroughly and manually, not through automated systems like XXXX. 

If the item can not be verified with original documentation, it must be deleted 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have gotten a new copy of my credit report and noticed multiple accounts that do not belong to me and are reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have gotten a new copy of my credit report and noticed multiple accounts that do not belong to me and are reporting on 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
CFPB Dispute Narrative for [ Experian/Equifax/TransUnion ] To Whom It May Concern : I am filing this complaint directly against [ Experian/Equifax/TransUnion ] for continued illegal reporting of paid/settled and unverifiable negative tradelines on my fathers credit report, despite prior formal disputes, supporting documentation, and the passing of the statutory 30-day and 4-day reinvestigation/removal periods. 

Details : Negative accounts ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ) remain reported as delinquent, charge-off, or in collection, despite being paid off or resolved, and despite prior disputes and an FTC Identity Theft Report. 

Prior complaints were filed with the CFPB, but sent to furnishers/companies. Now I am directly demanding that [ Experian/Equifax/TransUnion ] comply with the law.

Violations : FCRA 1681c-2 : Requires immediate ( 4 business day ) deletion/blocking of all information resulting from identity theft upon receipt of an FTC report and dispute XXXX 

FCRA 1681i : Requires deletion/correction of unverifiable or inaccurate data within 30 days of dispute.

FCRA 1681s-2 ( b ) : Mandates that furnishers and bureaus fully reinvestigate and correct any item found to be inaccurate, incomplete, or unverified. 

Continued reporting after payment and proof of non-owed status is willful noncompliance, for which statutory damages are available. 

Demands : Immediate, permanent deletion of all negative marks on the disputed accountsno re-reporting or reopening allowed.

Written confirmation of deletion and updated credit report.

Full compliance within 4 business days ( per FCRA 1681c-2 ). Failure to comply will result in legal action and additional regulatory escalation. 

Evidence Provided : Prior CFPB complaint IDs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) FTC Identity Theft Report Credit reports showing paid accounts still reporting negatively Payment/dispute history This is a final demand for compliance before legal escalation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
CFPB Dispute Narrative for [ Experian/Equifax/TransUnion ] To Whom It May Concern : I am filing this complaint directly against [ Experian/Equifax/TransUnion ] for continued illegal reporting of paid/settled and unverifiable negative tradelines on my fathers credit report, despite prior formal disputes, supporting documentation, and the passing of the statutory 30-day and 4-day reinvestigation/removal periods. 

Details : Negative accounts ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ) remain reported as delinquent, charge-off, or in collection, despite being paid off or resolved, and despite prior disputes and an FTC Identity Theft Report. 

Prior complaints were filed with the CFPB, but sent to furnishers/companies. Now I am directly demanding that [ Experian/Equifax/TransUnion ] comply with the law.

Violations : FCRA 1681c-2 : Requires immediate ( 4 business day ) deletion/blocking of all information resulting from identity theft upon receipt of an FTC report and dispute XXXX 

FCRA 1681i : Requires deletion/correction of unverifiable or inaccurate data within 30 days of dispute.

FCRA 1681s-2 ( b ) : Mandates that furnishers and bureaus fully reinvestigate and correct any item found to be inaccurate, incomplete, or unverified. 

Continued reporting after payment and proof of non-owed status is willful noncompliance, for which statutory damages are available. 

Demands : Immediate, permanent deletion of all negative marks on the disputed accountsno re-reporting or reopening allowed.

Written confirmation of deletion and updated credit report.

Full compliance within 4 business days ( per FCRA 1681c-2 ). Failure to comply will result in legal action and additional regulatory escalation. 

Evidence Provided : Prior CFPB complaint IDs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) FTC Identity Theft Report Credit reports showing paid accounts still reporting negatively Payment/dispute history This is a final demand for compliance before legal escalation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of fraud/identity theft and a credit card was fraudulently applied for in my name via XXXX XXXX on XX/XX/year>. I contacted Equifax with a request to have the hard inquiry removed from my account however they did not oblige. I initially contacted XXXX XXXX and they advised they would flag it as fraud and investigate. I also contacted Transunion but they advised I need an inquiry deletion letter first from XXXX XXXX. XXXX is the only reporting company that showed empathy / professionalism with the convenience of removing this fraudulent inquiry. I can provide a Police report of this fraud as well.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 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