vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-02 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: TX

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

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 2025-05-02 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: WA

Complaint narrative:
Experian has reinserted a repossession account from XXXX XXXX ( Account ending in XXXXXXXX XXXX XXXX  ) with a reported balance of {$4300.00}, despite the fact that this account was previously removed following a formal dispute. The Fair Credit Reporting Act ( FCRA ), specifically under 15 USC XXXXi ( a ) ( XXXX ) ( B ), prohibits a consumer reporting agency from re-reporting any item that was previously deleted unless the furnisher of the information certifies that it is accurate and completeand the consumer must be notified within XXXX business days of such reinsertion. I was not informed in writing, nor was I provided with any documentation showing that the account had been verified in full compliance with this law. This reappearance is a direct violation of the FCRA and is damaging to my credit profile, particularly as it concerns a high-balance, derogatory item like a repossession. Reinserted accounts that lack proper certification and fail to include consumer notification not only reflect gross negligence but may also indicate that my data has been mishandled due to a system error or data breach, resulting in serious inaccuracies tied to my file.

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 2025-05-02 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: GA

Complaint narrative:
I have included all the information you requested to remove these fraudulent accounts from my credit report. I have included an identity theft report, my SSN card, my drivers license with my address, proof of address since XXXX, and a utility bill. 

Please remove these fraudulent accounts from my credit report. 

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

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 2025-05-02 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:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC XXXXg, I am requesting their deletion within XXXX days. Enclosed are relevant documents as proof.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting XXXX previous XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX from XX/XX/year>, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not valid or verifiable residences tied to my identity. I have no recollection or documentation that connects me to either of these locations. Including these addresses on my file is a serious breach of data accuracy and increases the risk of misassociated accounts or mistaken identity. Under 15 USC 1681e ( b ), Experian is required to maintain strictly accurate personal data, and any information that can not be verified through reliable sources should not be included on my report. These errors may be due to a data breach or misattribution from another consumers file.

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 2025-05-02 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: FL

Complaint narrative:
I am a victim of XXXXXXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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 2025-05-02 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: TX

Complaint narrative:
In XX/XX/year>, I called the credit bureau to have all despite remarks removed from my credit report ( specifically XXXX XXXX XXXX ). I was assured that the dispute remarks would be removed. I checked my credit recently and noticed that the credit bureau failed to remove the dispute remarks that I requested via phone.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion shows a hard inquiry from XXXX dated XX/XX/year> that I did not authorize. I have no recollection of applying for any credit through this entity at that time, and this inquiry may be connected to identity misuse or a data breach.

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 2025-05-02 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: WA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I was in a XXXX XXXX XXXX XX/XX/year>. A friend 's XXXX personal account was hacked with selling items for a sister in law to be put in skilled care and they were selling items to help. I chatted with the person who I though I was chatting with and ended up being a scam and they hacked into their messenger account as well. I did transfer money from my XXXX  to a XXXX for {$700.00} and XXXX  would not refund XXXX money even though it was a scam. I filed police reports, and with the XXXX XXXX XXXX and filed an escalation with XXXX  which they denied. After this happened, i researched and found numerous XXXX XXXX posts with the same wording and photos and the common theme. Some of the posts have a @ highlightXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XX/XX/XXXX Bank of America [ Wire Fraud Department or Customer Claims Department ] Re : Wire Fraud Unauthorized Transaction on Account Ending in XXXX To Whom It May Concern, My name is XXXX XXXX XXXX, and I have been a loyal Bank of America customer for 41 years. I reside at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX, Missouri resident since XX/XX/XXXX ). 

I am writing to formally dispute a wire fraud transaction that occurred on XX/XX/XXXX, which resulted in the theft of {$7500.00} from my Bank of America checking account ending in XXXX. This transaction was unauthorized and fraudulent. The funds were wired to an individual named XXXX XXXX at XXXX XXXX XXXX XXXXXXXX without my knowledge or consent. My entire account balance was drained in an instantleaving my account at {$0.00}. 

I reported this incident to the BOA Wire Fraud Department via telephone on XX/XX/XXXX. Since that time, I followed up weekly for over XXXX weeks, as encouraged by your representatives, who continuously told me to call back next Tuesday. Despite my diligence and full cooperation, I was recently informed that Bank of America denied any responsibility and refuses to reimburse the stolen funds. 

Frankly, I am stunned. As a long-time customer, I entrusted Bank of America with the security of my finances. That trust has now been profoundly broken. This was a clear case of wire fraud, and the failure to protect my accountand now to deny restitutionis unacceptable. 

I am requesting the following : Immediate reimbursement of the {$7500.00} to my BOA checking account ending in XXXX, or via a direct check. 

Reversal and refund of any and all overdraft or penalty charges caused by this fraudulent wire. 

A full copy of the investigation file conducted by BOA regarding this incident. 

In addition, I will be : Filing a police report with the XXXX Police Department, as this is a crime committed against me. 

Submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). 

I intend to take every action necessary to see that this injustice is addressed and my funds are returned. After 41 years of loyalty, I never imagined I would have to fight to be protected from a clear-cut case of fraud. 
Please respond in writing at your earliest opportunity. I would appreciate prompt attention and transparency moving forward. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : 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 monetary relief
Consumer complaint received 2025-05-02 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: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX Balance : {$100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance : {$440.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$580.00} Open Date XX/XX/XXXX Inquiries : XXXX Date XX/XX/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 2025-05-02 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: PA

Complaint narrative:
I am filing a complaint against my Creditor reporting a late payment on my credit report ending Account [ XXXX ] that are inaccurate and not properly verified. I have disputed this account with the Creditor and credit bureaus as well. but the late payments remain without proper validation or documentation Under 15 USC 1681S2 a furnisher must report accurate information under 15 USC 1681 I the credit bureaus must preform a reasonable investigation within XXXX days. Neither of them have provided sufficient evidence to support the negative reporting I started this journey in trying to fix this problem from XX/XX/year> but XXXX XXXX responded by stating they can not remove the late payments from my credit report. I went further to dispute the late payments with the credit buearus and the response was verified. I have included my letters an, tracking numbers and credit bureaus response,

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 2025-05-02 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: PA

Complaint narrative:
I am filing a complaint against my Creditor reporting a late payment on my credit report ending Account [ XXXX ] that are inaccurate and not properly verified. I have disputed this account with the Creditor and credit bureaus as well. but the late payments remain without proper validation or documentation Under 15 USC 1681S2 a furnisher must report accurate information under 15 USC 1681 I the credit bureaus must preform a reasonable investigation within XXXX days. Neither of them have provided sufficient evidence to support the negative reporting I started this journey in trying to fix this problem from XX/XX/year> but XXXX XXXX responded by stating they can not remove the late payments from my credit report. I went further to dispute the late payments with the credit buearus and the response was verified. I have included my letters an, tracking numbers and credit bureaus response,

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 2025-05-02 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: CT

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