vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-17 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: FL

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate and Unverified Credit Information Pursuant to FCRA Sections 609 and 611 Dear Sir or Madam, I am writing to formally dispute all collections, charge-offs, and late payments reported on my Experian credit report related to accounts with Bank of America and XXXXXXXX XXXX XXXX  XXXX under my name, XXXX XXXX XXXX XXXX This dispute is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Sections 609 and 611. 

I request a comprehensive investigation, validation, and verification of these negative entries. Please provide complete and verifiable documentation proving the accuracy and legal right to report these debts, including but not limited to : Copies of original signed contracts or agreements bearing my signature Detailed payment histories and transaction records related to these accounts Documentation establishing the legal ownership or assignment of the debts to any collectors or creditors Evidence of the chain of title demonstrating lawful transfer of the debts If XXXX  can not provide this complete documentation within the XXXX investigation period mandated by the FCRA, XXXX demand the immediate and permanent removal of all unverifiable or inaccurate negative information associated with Bank of America and XXXX XXXX XXXX accounts from my credit report. 

Furthermore, considering the recent data breaches impacting Experian and the lawsuits involving Bank of America, I ask you to carefully scrutinize the accuracy and integrity of all reporting sourced from these entities. 

Please provide a written response detailing your findings, any corrections made to my credit report, and confirmation that all recipients of my report will be notified of such changes in compliance with FCRA requirements. 

This letter serves as a formal demand for deletion of unsubstantiated negative items, and I expect your compliance within the legally mandated XXXX timeframe. 

Sincerely, XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX digits ) : XXXX. Please remove all items negatively impacting my credit profile 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 2025-09-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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 deny any association with these creditors, and I did not initiate this inquiry. Please remove it 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 explanation
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to inform you that there has been an account on my credit report for too long that I do not recognize, nor did I open or authorize. This account is the result of identity theft.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
I tried multiple times in XXXX to make my standard {$50.00} payment. The online system kept saying I was blocked from making online payments. When I called on XX/XX/year>, an XXXX rep claimed my bank would not allow me to make the payment ( even though I have used the same card this entire time to make payments ). They said I had to provide my checking account information to make a payment of {$100.00}, which I did, and was given a confirmation number. They reversed the payment, did not tell me about it, and are now claiming they could not locate my checking account. It feels very suspicious given how close I am to paying off this predatory account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
XXXX is furnishing inaccurate, misleading credit reporting on my federal student loan and failed to provide a compliant reinvestigation/response after I disputed in writing. 

Details & timeline : My Experian report shows my XXXX account ( Acct # ending XXXX ] ) as Open with {$2400.00} past-due as of XX/XX/year> ; balance {$40000.00} ; monthly payment {$240.00} ; XXXX term. 
The payment grid shows a sequence of severe delinquencies ( XXXX ) from XXXX XXXX  ( XXXX : XXXX ; XXXX : XXXX ; XXXX : XXXX ; XXXX : XXXX ). 
The tradeline simultaneously carries a consumer dispute notation ( ITEM IN DISPUTE BY CONSUMER ), and Experian notes : Account previously in dispute investigation complete, reported by data furnisher. This implies XXXX furnished verification without addressing the specific errors I raised

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 2025-09-17 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: TX

Complaint narrative:
Creditor : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. {$880.00} This is not my account and I have no documentation supporting this collection : As stated in the FCRA my reported information must be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XX/XX/XXXX, and XXXX, XXXX, I was traveling outside the country and i used and atm to get cash. I was charged non chase atm fees. Th problem is that there are no chase atms in XXXX. 

Two of the charges were revered but they refuse to reverse the rest of the charges because i have reached a " limit '' of reversals ( 2 ).

I was told to " have cash on hand so i wont be charged fees ''. How am i supposed to know how much cash i will need while traveling in XXXX for 2 weeks? 

I am due back the full amount of fees due to their lack of access of free services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-09-17 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: MD

Complaint narrative:
Disputed Accounts & Errors XXXXXXXX XXXX  ( Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX XXXX XXXX {>= $1,000,000}. 
o Error : Paid status contradicts XXXX with active balance. 
XXXX. XXXX XXXX ( Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Reported : XXXX XXXX XXXX. 
o Error : Contradictory. Must be corrected. 
XXXX. XXXX ( Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX {$45.00}. 
o XXXX : Paid with balance is inaccurate. 
XXXX. XXXX ( Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX o Reported : Derogatory Open Late 120 Days Past Due {$3400.00}. 
o Errors : Timeshare miscoded as mortgage ; no DOFD ; delinquency inconsistency ; payment/past-due mismatch. 
o All late months disputed ( all XXXX ). 
Legal Basis FCRA 607 ( b ), 611, 616617 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ), 1681i ( a ) ( 7 ) XXXX XXXX XXXX  Reg V ( 12 CFR 1022.42.43 ) Demands Provide Method of Verification and ledgers per late.

Correct Paid vs balance contradictions. 
Correct misclassified timeshare and insert DOFD. 
If not verifiable, delete. 
Enclosures : ID, proof of address, highlighted report pages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am formally disputing fraudulent accounts that have appeared on my credit report. I did not open, authorize, or engage with these accounts in any way. Their reporting is entirely inaccurate, misleading, and damaging, creating an incorrect portrayal of my financial history and creditworthiness.

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 2025-09-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express Gift Card Fraud & Mishandled Claim I received a {$200.00} American Express gift card. The card arrived with the security number scratched off, so I filed a claim. Amex issued a replacement card, but that card was immediately used fraudulently on a foreign website in the middle of the night for the full {$200.00} balance.

I reported this, but Amex closed my case and is refusing to provide a refund or replacement, even though the replacement card they sent me was already compromised. I believe this is unfair and mishandled.

I am seeking resolution and a refund of the {$200.00}, since I never had the chance to use the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: OR

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-09-17 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: WV

Complaint narrative:
I am formally requesting the correction and removal of the late payment inaccurately reported on my credit file. My records confirm consistent on-time payments, and this negative entry is erroneous. Its continued reporting misrepresents my creditworthiness and causes undue harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : XXXXXXXX XXXX XXXX Date : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX , Date Opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, XXXX as proof from the US 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