vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-09-09 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: LA

Complaint narrative:
On XX/XX/year>, I submitted a complete FCRA 605B Identity Theft Block request to Equifax. This package included FTC Identity Theft Report # XXXX, proof of identity, proof of current address, and a signed affidavit of non-ownership. 

Under 15 U.S.C. 1681c-2, Equifax was required to block the fraudulent accounts within XXXX business days. The statutory deadline expired on XX/XX/year>. Equifax failed to block or delete the accounts and has not issued a lawful 605B ( c ) exception notice. 

Fraudulent tradelines XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX remain on my Equifax file, even though they have been unverifiable for over XXXX years. This violates 605B, 607 ( b ), and 611 of the FCRA. I am demanding immediate deletion and a full six-year retroactive purge across all Equifax systems to ensure no residual codes, archives, or suppression markers remain. See attached Day XXXX Final Notice Letter and supporting exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts currently appearing on my credit report. These accounts are not mine, nor have I ever authorized them in any way. Their inclusion is a serious error that undermines the integrity of my credit file and unjustly damages my reputation.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request that the reported late payment entries on my credit file be reviewed for accuracy under 15 U.S.C. 1681e ( b ) and 1681i. If these entries can not be fully verified as accurate and complete, they must be corrected or deleted from my 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 2025-09-09 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report reflects collection accounts that I believe are inaccurate. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am requesting that these accounts be reviewed, and if they can not be properly verified, they must be deleted from my 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 2025-09-09 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: IL

Complaint narrative:
Good morning, My name is XXXX XXXX. Around XXXX 2024, I employed the services of XXXX XXXX XXXX XXXX to help me pay off creditors : XXXX card, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

The payments or correct remaining balance were never reported accurrately or credit beaureaus. The XXXX XXXX Transunion, Equifax, and Experian all report that I was late on payments to XXXX  Card, XXXX XXXX, and XXXX XXXX. I would like all negative and deliquent reporting of the XXXX accounts mention to be remove according to the Fair Credit act. 

XXXX XXXX bank and XXXX XXXX acxount balance is {$0.00} and paid off. XXXX card balance is {$1300.00} and will be paid soon. 

In addition, I would like Transunion to provide original requested explanation off why credit fell XXXX point aftet paying back XXXX XXXX and account closed. 

All XXXX agencies have inaccurrate information negative information it is in violation of the far credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
Good morning, My name is XXXX XXXX. Around XXXX 2024, I employed the services of XXXX XXXX XXXX XXXX to help me pay off creditors : XXXX card, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

The payments or correct remaining balance were never reported accurrately or credit beaureaus. The XXXX XXXX Transunion, Equifax, and Experian all report that I was late on payments to XXXX  Card, XXXX XXXX, and XXXX XXXX. I would like all negative and deliquent reporting of the XXXX accounts mention to be remove according to the Fair Credit act. 

XXXX XXXX bank and XXXX XXXX acxount balance is {$0.00} and paid off. XXXX card balance is {$1300.00} and will be paid soon. 

In addition, I would like Transunion to provide original requested explanation off why credit fell XXXX point aftet paying back XXXX XXXX and account closed. 

All XXXX agencies have inaccurrate information negative information it is in violation of the far credit 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 explanation
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Received a new credit card almost a month ago and I activated it and have been using it but my online and mobile banking app do not show the new credit card. It shows my old credit card number, with the amount that is on my NEW credit card, but shows no recent activity on the card, says {$0.00} due and {$0.00} on the card. 

I have been in contact with the company numerous times and have been told : a technology ticket was made on the XXXX. Then I called on the XXXX and was told to wait longer. Then called again and spoke to XXXXXXXX XXXXXXXX and was again told to wait. I'm on week 3 since that " technology ticket '' was created and nothing has changed. Mind you I was in contact with them well before the technology ticket and was told " we just updated some stuff so give it a couple days and it should be showing it '' - again, nothing changed and this issue was happening before their " update ''. 

For a couple hours on Sunday the new credit card account showed up on my app. I was able to quickly make a payment as the payment stated it was due on the XXXX however the card was not reflected anywhere on my account prior to the XXXX. Monday I checked my account and once again, the credit card account was gone and it only showed the old account again. There is money on the credit card already that I can not verify are even my purchases because it shows me nothing. No one knows what they are doing, I'm being told to wait at the expense of missing a payment and my credit being hit.

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 2025-09-09 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. The following items do not belong to me and is a result of fraud that I did not authorize : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additionally, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccurate information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate credit report. I request that these accounts be reviewed, and if they can not be properly verified as accurate, they must be deleted from my 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 2025-09-09 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX Clarity Services XXXX XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : Formal Complaint FCRA / XXXX XXXX XXXX Dear Clarity Services XXXX XXXX, I am submitting this formal complaint regarding my Clarity Services consumer file. Based on my review, I have identified potential inaccuracies, missing information, and mislinked data in violation of 15 U.S.C. 1681e ( b ) and 1681g of the Fair Credit Reporting Act ( FCRA ) and Metro 2 / CRRG reporting standards.

1. Identity Segments Field : Name : XXXX XXXX Observed Issue : Reported XXXX  times ; possible duplication or mislinking Tracking # : XX/XX/XXXX XX/XX/XXXX ( XXXX, XXXX ) Field : Date of Birth : XX/XX/XXXX Observed Issue : Reported 5 times ; possible duplication or mislinking Tracking # : XX/XX/XXXX XX/XX/XXXX ( XXXX, XXXX ) Field : XXXX ( last XXXX : XXXX ) Observed Issue : Used to link personal data ; possible mix-up Tracking # : N/A Concern : Multiple entries XXXX indicate a file mix-up or misassociation, violating FCRA 1681e ( b ), which requires maximum possible accuracy. 

XXXX. Contact Information Field : Home Address Observed Issue : XXXX XXXX XXXX reported multiple times ; no other addresses should be associated Tracking # : XX/XX/XXXX Field : Email Observed Issue : XXXX only Tracking # : XX/XX/XXXX Field : Phone Observed Issue : No phone numbers reported Tracking # : N/A Concern : Missing or incomplete contact information XXXX lead to inaccurate reporting XXXX. Financial Segments Field : Accounts Observed Issue : No accounts reported ; I have active financial accounts Reference : FCRA XXXX ( b ), XXXX XXXX Field : Income Observed Issue : No information reported Reference : Potential missing data Field : Employment Observed Issue : No information reported Reference : Potential missing data Field : Banking Observed Issue : No information reported Reference : Potential missing data Field : Check Cashing Observed Issue : No information available Reference : Potential missing data Concern : Lack of accurate financial information renders my consumer file incomplete, violating FCRA XXXX ( b ) and XXXX XXXX / CRRG reporting standards. 


XXXX. XXXX and Validation Fields Field : Valid SSN Format True ( correct ) Field : SSN Deceased False ( correct ) Field : XXXX Score/Flag XXXX / False ( correct ) Note : These fields appear accurate. 

XXXX. Inquiries Date : XX/XX/XXXX XX/XX/XXXX Purpose : Consumer Requests Tracking # : Multiple tracking numbers ( XXXX, XXXX ) Concern : While legitimate, repeated tracking numbers XXXX indicate mislinked or duplicated data elements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
I am requesting the removal of certain items from my credit file, which are detailed in the attached XXXX document. I am a victim of identity theft and have multiple accounts and inquiries on my report that I did not authorize. I ask that these items be deleted so that my credit report reflects only accurate information. I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report. Please remove these items from my credit report as soon as possible.

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