vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: RI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C 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 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-01 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: LEXISNEXIS
State: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your 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 2025-08-01 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: OR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : 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 2025-08-01 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: NC

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-01 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C 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 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am disputing inaccurate and unfair credit reporting by Bank of America on my closed credit card account. 

On XXXX XXXX XXXX I made a payment that was accepted. I continued making regular payments, including one on XXXX XXXX XXXX. However, Bank of America recently informed me that the XX/XX/XXXX payment was reversed on XXXX XXXX XXXX due to an issue with the external bank account. I had no knowledge of this until XXXX. Despite this, Bank of America reported me as 30 days late in XXXX and 60 days late in XXXX, and also increased my reported balance by over {$2000.00}. 

These late payment entries are inaccurate and misleading. I was not informed of the returned payment until months later, and I continued to pay during the affected period. I did not willfully miss or skip any payments, nor was I notified at the time of any failure. 

I spoke with a Bank of America supervisor who acknowledged the situation and submitted a dispute, but I later received a denial letter dated XXXX XXXX XXXX  ( case number XXXX ), refusing to correct the report. This letter is attached to this complaint.

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 2025-08-01 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 am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your 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 2025-08-01 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 formally request the removal of a XXXX XXXX account listed on my credit reporting under the name XXXX for the amount of {$2000.00} Upon reviewing my credit report, I have found that this account named XXXX is not mine / reporting incorrect information ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete, or unverifiable.

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 2025-08-01 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: AL

Complaint narrative:
According to FCRA section 605b and 15 usc 1681c-2. I didnt recieve any written notice of the debt. My information are not right. They have and incorrect address and the amount of debt. A third party is trying to collect debt from me who im not even knowledgeable of who they are. I haven't yet got a written notice and they report it to Experian and its on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
These fraudulent accounts do not pertain to me. I ask that you promptly investigate and erase them from my credit history. Supporting documentation has been attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
Dear CNAC, I am writing to formally request the removal of the charged-off account referenced above from my credit report. While I acknowledge that this account was previously charged off, it has since been purchased by another lender ( XXXX XXXX XXXXXXXX XXXX XXXX and shows a {$0.00} balance with your institution. The charge-off status is still reflected negatively on my credit report, despite no longer being owned or collected by CNAC. 
Since the account has been closed and transferred, and CNAC no longer retains a financial interest in the account, I respectfully request that you update your reporting to reflect this by removing the tradeline altogether. Continued reporting of this derogatory account now with a XXXX balance and no active relationship serves no purpose other than to damage my credit. 
Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and not misleading. Maintaining a charged-off account with a {$0.00} balance, sold to another creditor, may be considered materially misleading in its current form. 
Please consider this a goodwill request and an opportunity to assist in my credit rebuilding efforts. I would appreciate written confirmation of deletion once completed. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I have been unable to access my XXXX account for several months since your platform migration. My Social Security Number and login credentials no longer work, and all attempts to recover access have failed. 

As a result, Ive had no way to review balances, payment history, or forbearance records. Despite this, negative tradelines from XXXX are appearing on my credit report, which I believe may be inaccurately reportedespecially in light of federal COVID-era protections under the CARES Act. 

Please immediately provide : - Full payment history of my account ( s ) - Confirmation of forbearance/deferment status - Any details on credit reporting activity and justification - Immediate restoration of access to my online account If XXXX can not verify this information or correct any inaccurate reporting, I will be forced to escalate by filing formal complaints with the Department of Education XXXX CFPB, and potentially pursue legal remedies under the Fair Credit Reporting Act ( FCRA ). 

Sincerely, * * XXXX XXXX XXXX * * XXXX : XXXX XXXX : XX/XX/year> Phone : ( XXXX ) XXXX Email : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C 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 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-01 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: NC

Complaint narrative:
CFPB Complaint TransUnion Reporting Fraudulent XXXX  Account -- - I am submitting this complaint against TransUnion for reporting an unauthorized and fraudulent account from a company called XXXX  on my credit report. I never applied for, opened, or agreed to any credit service from XXXX, yet they are reporting an account that falsely claims I made late payments. 

I have disputed this account multiple times with TransUnion and provided documentation, including my ID and proof of address. Despite this, TransUnion has refused to remove the account, violating my rights under the Fair Credit Reporting Act ( FCRA ), including Sections 1681i and 1681c-2. 

XXXX falsely claims this is my account, but I have never dealt with them, never applied for anything from them, and had no knowledge of this account until I saw it harming my credit. I only looked up XXXX address for the purpose of submitting this complaint. 

TransUnion is choosing to believe XXXX over me the consumer without conducting a proper investigation as required under FCRA 1681i. This is a serious failure to protect my rights and to maintain accurate and fair credit reporting.

This fraudulent account includes reported late payments that I did not cause. The presence of this false information is damaging my credit and causing stress and harm. I feel my rights are being ignored, and TransUnion is refusing to act even when presented with clear disputes. 

I am demanding that TransUnion : Immediately delete the fraudulent Kickoff account from my credit report Provide written confirmation of the deletion Be investigated for noncompliance with the Fair Credit Reporting Act I am extremely frustrated and need the CFPBs assistance in having this false information removed permanently and in ensuring TransUnion complies with federal law.

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 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
TD Bank USA/Nordstrom continues to inaccurately report a charged-off account ending in XXXX on my credit reports without proper debt validation, violating FCRA 1681s-2 ( b ). 

XXXX XXXX XXXX, the assigned debt collector, received my debt validation request on XX/XX/year>. On XX/XX/year>, XXXX explicitly ceased collection and returned the account, admitting they could not properly validate it. They provided no original contract, no proper chain of title, and no legally sufficient validation. ( See XXXX insufficient validation response attached. ) Therefore, TD Bank/Nordstroms continued credit reporting is unlawful. Without valid documentation or verification, TD Bank/Nordstrom must immediately delete this inaccurate tradeline from my credit file. 

Continued reporting has caused ongoing financial and emotional harm. Immediate deletion is required to resolve this issue.

I am a stay-at-home grandmother with no income or attachable assets. TD Bank/Nordstroms continued false and unverified reporting causes significant emotional distress and unjustifiable harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AZ

Complaint narrative:
improper validation on done thru electronica system and not pphysically validated with proper documentation and proof. addresses are not verifiable.

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 2025-08-01 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:
I am requesting that the creditor either correct the inaccurate and incomplete information being reported, or remove the account from my credit report if it can not be verified in full. I request written confirmation of the resolution and correction sent to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I have always prioritized paying my obligations on time and have consistently demonstrated responsible credit behavior. I was recently made aware of a late payment listed on my credit file, which came as a complete surprise.

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 2025-08-01 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: NY

Complaint narrative:
I was recently reviewing a copy of my credit report and noticed several inaccuracies on an account. This account is damaging my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief