vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX  - 2025-XXXX XXXX XXXX  - 2025-XXXX XXXX  - 2025-XXXX XXXX XXXX - 2025-XXXX XXXX - 2025-0XXXX XXXX XXXX - 2025-XXXX  15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the hard inquiries listed on my Equifax credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed inquiries : * XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the creditors above on the date specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
I am filing this complaint to dispute the payment history associated with several accounts on my credit report. Upon reviewing my report, I identified multiple inaccuracies that appear to be billing errors as defined under 15 U.S.C. 1666 ( b ) of the Truth in Lending Act.

Legal Violations Identified : The creditors involved have failed to comply with their legal responsibilities under 15 U.S.C. 1666 ( b ), including : 1666 ( b ) ( 4 ) : Failure to properly reflect a payment or credit made by me on my billing statement.

1666 ( b ) ( 5 ) : Computation or accounting errors made by the creditor on the statement. 

Additionally, I did not receive billing statements at least 21 days before payment due dates, which is required to assess late fees or report late payments under federal law. As such, the late payments currently reported on these accounts are invalid and should not exist on my credit profile. 

Requested Actions : I am formally requesting the following : Documented proof that I was actually late on each of the listed accounts, including due dates, billing dates, and payment dates. 

If no such documentary evidence can be provided, I request that the late payment status be updated to " Paid on Time '' on all affected accounts. 

Immediate correction of my credit report to reflect accurate payment history. 

Disputed Items : XXXX XXXX Account Number : XXXX * * * * XXXX  Account Number : XXXX * * * * XXXX ( Duplicate entry of same account with multiple late reports ) Account Number : XXXX * * * * Other Agencies Notified : This complaint has also been sent to the following agencies for review and enforcement : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Office of the State Attorney General Conclusion : These reporting errors have a negative and unjustified impact on my creditworthiness. I am requesting immediate investigation, correction, and documentation. Failure to act in compliance with federal law may result in further formal complaints or legal action. 

Thank you for your prompt attention. 

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 non-monetary relief
Consumer complaint received 2025-05-28 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: WI

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I 'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$89.00} XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you the credit reporting agencies Experian, TransUnion, and Equifax block the fraudulent information appearing on my consumer credit reports that is the result of identity theft and fraud, within XXXX business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts that were not opened, made, or authorized by me : This fraudulent, inaccurate, and false information consists of the following accounts, which were not opened, made, or authorized by me : A personal account at XXXX XXXX XXXX opened on XX/XX/XXXX under account number ( private ) An XXXX loan account at XXXX XXXX opened on XX/XX/XXXX under account number ( private ) AXXXX XXXX  loan account at XXXX opened on XX/XX/XXXX under account number ( private ) XXXX XXXX XXXX  account at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number ( private ) XXXX XXXX XXXX account at XXXX opened on XX/XX/XXXX under account number ( private ) XXXX XXXX account at XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number ( private ) A XXXX XXXX account at XXXX opened on XX/XX/XXXX under account number ( private ) A XXXX account at XXXX XXXXXXXX opened on XX/XX/XXXX under account number ( private ) AXXXX XXXX loan account at XXXX opened on XX/XX/XXXX under account number ( private ) XXXX XXXX XXXX account at XXXX XXXXXXXX opened on XX/XX/XXXX under account number ( private ) These fraudulent accounts have also resulted in multiple unauthorized hard inquiries on my credit report. The following inquiries are not mine and are related to the fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize any of the aforementioned accounts or inquiries. I did not authorize or initiate these accounts, collections, or inquiriesthey are the result of identity theft and fraud. 

As required by FCRA XXXX, I request that TransUnion XXXX  these items from my credit report within XXXX business days. 

Attached to this complaint are : A copy of my FTC Identity Theft Report ( Case # [ insert case number ] ) A copy of my consumer credit report showing the fraudulent accounts and inquiries A list of the fraudulent hard inquiries A copy of my government-issued ID and proof of address I request that TransUnion investigate and XXXX the above-referenced fraudulent information from my credit file 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 2025-05-28 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: CA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you the credit reporting agencies Experian, TransUnion, and Equifax block the fraudulent information appearing on my consumer credit reports that is the result of identity theft and fraud, within XXXX business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts that were not opened, made, or authorized by me : This fraudulent, inaccurate, and false information consists of the following accounts, which were not opened, made, or authorized by me : A personal account at XXXX XXXX XXXX opened on XX/XX/XXXX under account number ( private ) An XXXX loan account at XXXX XXXX opened on XX/XX/XXXX under account number ( private ) AXXXX XXXX  loan account at XXXX opened on XX/XX/XXXX under account number ( private ) XXXX XXXX XXXX  account at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number ( private ) XXXX XXXX XXXX account at XXXX opened on XX/XX/XXXX under account number ( private ) XXXX XXXX account at XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number ( private ) A XXXX XXXX account at XXXX opened on XX/XX/XXXX under account number ( private ) A XXXX account at XXXX XXXXXXXX opened on XX/XX/XXXX under account number ( private ) AXXXX XXXX loan account at XXXX opened on XX/XX/XXXX under account number ( private ) XXXX XXXX XXXX account at XXXX XXXXXXXX opened on XX/XX/XXXX under account number ( private ) These fraudulent accounts have also resulted in multiple unauthorized hard inquiries on my credit report. The following inquiries are not mine and are related to the fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize any of the aforementioned accounts or inquiries. I did not authorize or initiate these accounts, collections, or inquiriesthey are the result of identity theft and fraud. 

As required by FCRA XXXX, I request that TransUnion XXXX  these items from my credit report within XXXX business days. 

Attached to this complaint are : A copy of my FTC Identity Theft Report ( Case # [ insert case number ] ) A copy of my consumer credit report showing the fraudulent accounts and inquiries A list of the fraudulent hard inquiries A copy of my government-issued ID and proof of address I request that TransUnion investigate and XXXX the above-referenced fraudulent information from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: WA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-28 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:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXXncorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted XXXX 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Tilt Finance, Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX  denied two separate disputes totaling {$2000.00} involving numerous unauthorized crypto-related transactions, including purchases on XXXX, XXXX, and XXXX between XXXX and XX/XX/year>. 

Despite promising provisional credit within 5 business days, they closed my account before that deadline and reversed any credits without providing documentation or allowing me to properly respond. 

I never authorized these transactions. I suspect either account compromise or deceptive practices via third-party services. I have requested documentation multiple times and have received nothing but automated denial letters. 

This is a clear violation of the Electronic Funds Transfer Act ( EFTA ), which requires provisional credit and a transparent dispute process. XXXX behavior closing my account mid-dispute, denying claims without evidence, and refusing to communicate is deceptive and predatory. 

Dispute IDs : XXXX {$1100.00} XXXX {$870.00} Total : {$2000.00} I am seeking a full investigation, production of all documentation relied upon, and reimbursement of the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Back in XXXX I opened a checking account with Chase under my SSN ending in XXXX, Before opening the account I was made aware of another profile under my name I told them it had to be due to identity theft which they agreed due to it not being my SSN but my name and other info attached to it somehow! Chase Bank opened a ticket on XX/XX/XXXX but till this day havent done anything about the previous account and therefore closed the current account I had opened in XXXX due to this Im assuming! they closed my account and said they would send a letter explaining the reason which they didnt do nor disclosed the reason over the phone. The rep told me there isnt anything showing why it was closed. I want my rights restored Ive been dealing with these types of situations over the years and it needs to stop! The name and account info that was provided to me was XXXX XXXX Account XXXX XXXXXXXX Creation date : XX/XX/year> This is all the info they could provide me with due to saying everything else was private info, which I dont understand if they claim its my account in the first place! I DEMAND THIS ACCOUNT BE DELETED AND REOPEN MY RECENTLY CLOSED CHECKING & SAVINGS ACCOUNT WITH CHASE! I shouldnt be punished for something I had no control over and I was told on numerous occasions including the phone call from Saturday it would be rectified to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account whitout my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened a claim on XX/XX/year> for an amount totaling XXXX from charges I did not authorize. I had gotten new cards for my checking account but they never showed up to my address of XXXX XXXX XXXX since my phone and wallet was stolen. After opening the claim BOA denied them on XX/XX/XXXX saying they could not approve my claim. I have opened a complaint against them to show me evidence. Ive tried reaching out to their enterprise correspondence team and left XXXX voicemails asking them why and what evidence I needed to submit but both times the call got transferred. Ive emailed them a month ago and many more times but to no response. They have no provided the provisional credit promised after XXXX business days and they have no contacted me since. Please do something.

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 2025-05-28 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: PA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report. Supporting documents are enclosed to substantiate my claim.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CT XXXX XXXX XXXX Date : [ XX/XX/XXXX ] Experian XXXX XXXX XXXX XXXX  TX XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report Experian Report Dispute To Whom It May Concern, I am writing to dispute several hard inquiries listed on my Experian credit report. I am requesting a formal investigation into these entries, as I do not recall authorizing these credit pulls. If these inquiries were submitted without my knowledge or consent, I request their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

Below are the inquiries I am disputing XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Please conduct an investigation into each of the above inquiries. If proper authorization can not be verified, I am requesting that they be removed from my credit file. These inquiries may be impacting my credit score and financial standing unfairly.

Ive enclosed a copy of my government-issued ID and a utility bill as proof of identity and address.

Please confirm receipt of this dispute and inform me of the outcome of your investigation in writing.

Thank you for your time and prompt 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 2025-05-28 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: CA

Complaint narrative:
This letter serves as my final formal notice concerning the inaccurate late payment listed on my credit report and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite multiple prior disputes, you continue to report these negative items without providing any supporting documentation. A generic verified response does not meet your obligation under FCRA 1681i to conduct a reasonable reinvestigation.

You are also in violation of FCRA 1681e ( b ), which requires you to ensure maximum possible accuracy. Your failure to remove unverified data and refusal to provide original evidence constitutes willful noncompliance.

You have 30 days from the date of this letter to provide : Original, complete documentation from the creditor validating the alleged late payment ; A full description of your reinvestigation, including sources used ; Immediate deletion of the disputed items if not substantiated with original evidence.

This issue aligns with recent enforcement actions by the CFPB, including the XXXX  2025 lawsuit against Experian for similar violations. Your conduct mirrors those cited failings and strengthens my legal position. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX -The bank confirmed a system glitch and advised updating the account. Please make the necessary corrections. 
XXXX XXXX XXXXXXXX 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