vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
Hello, I have several unauthorized accounts I recently discovered on my credit report. These are inaccurate and hurting my ability to obtain credit. It is my understanding that you will investigate the account for me to ensure it is accurate. Here is the accounts I'm asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2025 when I attempted to us my Bank of America credit card I was told the card was denied and to call my bank. I immediately called the Customer Service Representative to determine what the issue was. The CSR I spoke to said there were several charges that were suspect. She brought up a list and asked if any of the charges were made by me or my husband. Non on the list were charges made either of us. The list had maybe 5-6 small charges that the CSR took off immediately and two charges for {$970.00} each ( {$1900.00} total ) from XXXX XXXX XXXX The cards were cancelled and we received new ones on XX/XX/2025. I received an alert on XX/XX/2025 that my account was being credited for the XXXX  charges of {$970.00} while my claim was researched. I never had a doubt that these charges would be found to be fraudulent. I thought the claim had been resolved until I received a letter on XX/XX/2025 denying my claim. The XXXX charges of {$970.00} were added back on our account. The letter said my claim had been denied because the merchant provided documentation confirming 1 : My credit card was used to book the excursion and 2 : I received the service ( XXXX XXXX XXXX  ) with me listed as the lead traveler with 14 other passengers ( no names ). Not once but twice they say I booked this same excursion and received the service with 14 more passengers. My card was used without my knowledge and I was not in XXXX to use this service twice.

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 2025-06-19 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of 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. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: IL

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
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Formal Complaint Against Credit Bureaus for Reporting Fraudulent Information in Violation of Federal Law Dear CFPB Representative, I am filing this formal complaint against Experian, Equifax, and TransUnion for knowingly reporting false, fraudulent, and inaccurate information on my consumer credit reports, in violation of multiple provisions under federal law, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I have been a victim of identity theft, and fraudulent accounts have been reported without my knowledge or authorization. Despite providing the necessary documentation and a formal identity theft affidavit, the credit bureaus have failed to fulfill their legal obligations to investigate and delete the erroneous entries from my reports.

Violations Cited : 1. 15 U.S.C. 1681c-2 ( a ) Requires the blocking of all information resulting from identity theft within 4 business days upon proper notification.

2. 15 U.S.C. 1681i ( a ) Requires a reasonable reinvestigation of disputed information.

3. 15 U.S.C. 1681e ( b ) Mandates the credit bureaus to report only with the maximum possible accuracy.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits the furnishing of inaccurate information to credit reporting agencies.

5. 15 U.S.C. 1681c ( a ) ( 5 ) Limits how long negative information can remain on a consumers report.

6. 15 U.S.C. 1692e ( 8 ) FDCPA provision prohibiting communication of false credit information.

My Dispute : I have found several unauthorized and fraudulent accounts listed on my reports, some of which may have been sold or transferred without proper verification. Additionally, personal information such as previous addresses and employers are incorrect, which further indicates sloppy or negligent reporting.

Despite repeated efforts, the bureaus continue to furnish and verify false data. Their failure to correct or delete this information is a direct violation of my consumer rights, and it has caused significant financial harm and emotional distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Formal Complaint Against Credit Bureaus for Reporting Fraudulent Information in Violation of Federal Law Dear CFPB Representative, I am filing this formal complaint against Experian, Equifax, and TransUnion for knowingly reporting false, fraudulent, and inaccurate information on my consumer credit reports, in violation of multiple provisions under federal law, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I have been a victim of identity theft, and fraudulent accounts have been reported without my knowledge or authorization. Despite providing the necessary documentation and a formal identity theft affidavit, the credit bureaus have failed to fulfill their legal obligations to investigate and delete the erroneous entries from my reports.

Violations Cited : 1. 15 U.S.C. 1681c-2 ( a ) Requires the blocking of all information resulting from identity theft within 4 business days upon proper notification.

2. 15 U.S.C. 1681i ( a ) Requires a reasonable reinvestigation of disputed information.

3. 15 U.S.C. 1681e ( b ) Mandates the credit bureaus to report only with the maximum possible accuracy.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits the furnishing of inaccurate information to credit reporting agencies.

5. 15 U.S.C. 1681c ( a ) ( 5 ) Limits how long negative information can remain on a consumers report.

6. 15 U.S.C. 1692e ( 8 ) FDCPA provision prohibiting communication of false credit information.

My Dispute : I have found several unauthorized and fraudulent accounts listed on my reports, some of which may have been sold or transferred without proper verification. Additionally, personal information such as previous addresses and employers are incorrect, which further indicates sloppy or negligent reporting.

Despite repeated efforts, the bureaus continue to furnish and verify false data. Their failure to correct or delete this information is a direct violation of my consumer rights, and it has caused significant financial harm and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
Request for Account Blocking and Deletion Due to Data Breach Dear Experian Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

4. Identity Theft XXXX credit management Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. * * 15 USC 1681c-2 ( a ) * * : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. * * 15 USC 1681i * * : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. * * 15 USC 1681e ( b ) * * : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. * * 15 USC 1681g ( a ) * * : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. * * 15 USC 1681m * * : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. * * 15 USC 1681n * * : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 
Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 
Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Formal Complaint Against Credit Bureaus for Reporting Fraudulent Information in Violation of Federal Law Dear CFPB Representative, I am filing this formal complaint against Experian, Equifax, and TransUnion for knowingly reporting false, fraudulent, and inaccurate information on my consumer credit reports, in violation of multiple provisions under federal law, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I have been a victim of identity theft, and fraudulent accounts have been reported without my knowledge or authorization. Despite providing the necessary documentation and a formal identity theft affidavit, the credit bureaus have failed to fulfill their legal obligations to investigate and delete the erroneous entries from my reports.

Violations Cited : 1. 15 U.S.C. 1681c-2 ( a ) Requires the blocking of all information resulting from identity theft within 4 business days upon proper notification.

2. 15 U.S.C. 1681i ( a ) Requires a reasonable reinvestigation of disputed information.

3. 15 U.S.C. 1681e ( b ) Mandates the credit bureaus to report only with the maximum possible accuracy.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits the furnishing of inaccurate information to credit reporting agencies.

5. 15 U.S.C. 1681c ( a ) ( 5 ) Limits how long negative information can remain on a consumers report.

6. 15 U.S.C. 1692e ( 8 ) FDCPA provision prohibiting communication of false credit information.

My Dispute : I have found several unauthorized and fraudulent accounts listed on my reports, some of which may have been sold or transferred without proper verification. Additionally, personal information such as previous addresses and employers are incorrect, which further indicates sloppy or negligent reporting.

Despite repeated efforts, the bureaus continue to furnish and verify false data. Their failure to correct or delete this information is a direct violation of my consumer rights, and it has caused significant financial harm and emotional distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: PA

Complaint narrative:
I am writing to dispute the late payment ( s ) reported on my account XXXX XXXX ( XXXX ). Under the Fair Credit Billing Act, specifically 15 U.S.C. 1666, I am exercising my right to dispute a billing error, as I believe the reported late payment ( s ) is inaccurate.

I am requesting that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide documentation supporting the validity of the reported late payment ( s ), including billing statements and payment records.

Under federal law, you are required to investigate my dispute and respond within 30 days. If the information can not be verified, it must be removed.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: PA

Complaint narrative:
I am writing to dispute the late payment ( s ) reported on my account XXXX XXXX ( XXXX ). Under the Fair Credit Billing Act, specifically 15 U.S.C. 1666, I am exercising my right to dispute a billing error, as I believe the reported late payment ( s ) is inaccurate.

I am requesting that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide documentation supporting the validity of the reported late payment ( s ), including billing statements and payment records.

Under federal law, you are required to investigate my dispute and respond within 30 days. If the information can not be verified, it must be removed.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
On or around XX/XX/XXXX, a credit card account was fraudulently opened in my name by Goldman Sachs Bank USA ( Apple Card ) without my authorization or consent. I never applied for this account, received no services or funds, and never resided at the address associated with it. The account was charged off in XX/XX/XXXX for {$5500.00} and continues to be reported inaccurately. 

I submitted a valid FTC Identity Theft Report, IC3 Report, government-issued ID, and proof of address. Goldman Sachs has failed to cease furnishing data in violation of 15 U.S.C. 1681s-2 ( b ) and failed to block information under 1681c-2 ( a ). 

XXXX initially removed the fraudulent tradeline, but reinserted it without notifying me in writing within 5 business days, violating 1681i ( a ) ( 5 ) ( B ). Their actions constitute willful noncompliance under 1681n, for which I reserve the right to pursue statutory damages.

Both entities have relied solely on unverifiable digital consent records without producing legal proof of authentication ( such as IP logs or biometric evidence ). Their continued reporting of this fraudulent account is causing measurable and ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX was exposed in a data breach that leaked the data of over 360,000 people. I have reason to believe that I was part of the data breach in which my personal information was leaked. I have reached out to them to place a credit freeze and obtain a copy of my report, but without success. 

XXXX is also not thoroughly and accurately investigating disputes. They are just returning them as verified. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you conduct an immediate investigation and provide direct verification of the bankruptcy filing from the original source. The court has confirmed that it does not report bankruptcies to credit bureaus, as stated in the official correspondence from the Clerk of the Court.

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