vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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 2025-09-04 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:
Complaint Against : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Ending : XXXX Credit Bureau Reporting XXXX XXXX, Equifax, XXXX, and XXXX  Issue : Inaccurate Credit Reporting / Failure to Conduct Reasonable Investigation Details of Complaint : I am filing a complaint regarding the XXXX account ending in XXXX, which appears on my XXXX credit report. This account has been previously disputed and marked as verified by XXXX as of XX/XX/XXXX. However, the information continues to be reported inaccurately and inconsistently. 

Conflicting Status The account is reported as Paid in full/was a charge-off, while the narrative states Paid less than full balance. Both can not be true, and this contradiction results in misleading reporting. 

Date Closed Reporting The account shows a closure date of XX/XX/XXXX, but this information was not reflected until years later. Reporting closure years after the fact raises concerns of inaccurate and potentially misleading re-aging. 

Ongoing Updates After Closure Despite being closed in XXXX, the account continues to be updated as recently as XX/XX/XXXX. This practice unfairly extends the negative impact of the account on my credit history. 

I have requested verification under the Fair Credit Reporting Act ( FCRA ), but XXXX has not provided documentation or method of verification, only marking the account as verified. This does not meet the standard of a reasonable investigation as required by law. 

Resolution Requested : Provide documentation showing the original signed contract, full payment history, and settlement terms, OR Correct the contradictory reporting to reflect the true and accurate status, OR Delete the account from my credit file if it can not be fully verified with supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
Complaint Against : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Ending : XXXX Credit Bureau Reporting XXXX XXXX, XXXX, XXXX, and Transunion Issue XXXX Inaccurate Credit Reporting / Failure to Conduct Reasonable Investigation Details of Complaint : I am filing a complaint regarding the XXXX account ending in XXXX, which appears on my XXXX credit report. This account has been previously disputed and marked as verified by XXXX as of XX/XX/XXXX. However, the information continues to be reported inaccurately and inconsistently. 

Conflicting Status The account is reported as Paid in full/was a charge-off, while the narrative states Paid less than full balance. Both can not be true, and this contradiction results in misleading reporting. 

Date Closed Reporting The account shows a closure date of XX/XX/XXXX, but this information was not reflected until years later. Reporting closure years after the fact raises concerns of inaccurate and potentially misleading re-aging. 

Ongoing Updates After Closure Despite being closed in XXXX, the account continues to be updated as recently as XX/XX/XXXX. This practice unfairly extends the negative impact of the account on my credit history. 

I have requested verification under the Fair Credit Reporting Act ( FCRA ), but XXXX has not provided documentation or method of verification, only marking the account as verified. This does not meet the standard of a reasonable investigation as required by law. 

Resolution Requested : Provide documentation showing the original signed contract, full payment history, and settlement terms, OR Correct the contradictory reporting to reflect the true and accurate status, OR Delete the account from my credit file if it can not be fully verified with supporting documentation.

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 2025-09-04 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: TX

Complaint narrative:
Complaint Against : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Ending : XXXX Credit Bureau Reporting : XXXX, XXXX, Experian, and XXXX  Issue XXXX Inaccurate Credit Reporting / Failure to Conduct Reasonable Investigation Details of Complaint : I am filing a complaint regarding the XXXX account ending in XXXX, which appears on my XXXX credit report. This account has been previously disputed and marked as verified by XXXX as of XX/XX/XXXX. However, the information continues to be reported inaccurately and inconsistently. 

Conflicting Status The account is reported as Paid in full/was a charge-off, while the narrative states Paid less than full balance. Both can not be true, and this contradiction results in misleading reporting.

Date Closed Reporting The account shows a closure date of XX/XX/XXXX, but this information was not reflected until years later. Reporting closure years after the fact raises concerns of inaccurate and potentially misleading re-aging. 

Ongoing Updates After Closure Despite being closed in XXXX, the account continues to be updated as recently as XX/XX/XXXX. This practice unfairly extends the negative impact of the account on my credit history. 

I have requested verification under the Fair Credit Reporting Act ( FCRA ), but XXXX has not provided documentation or method of verification, only marking the account as verified. This does not meet the standard of a reasonable investigation as required by law. 

Resolution Requested : Provide documentation showing the original signed contract, full payment history, and settlement terms, OR Correct the contradictory reporting to reflect the true and accurate status, OR Delete the account from my credit file if it can not be fully verified with supporting documentation.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I transferred money to my girlfriend XXXX XXXX today because my XXXX  would not let me pay bills. I got help to send the money to her XXXX, but then she had the same issue. We tried a bank account verification, but the deposits never sent. Now they've locked her out of her account XXXXThis is the most unprofessionally l 've ever been treated and put to the side along with having my money stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FC

RA 605B ( 15. U. S. C. 1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00} XXXX/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MD

Complaint narrative:
XX/XX/scrub>/2025 called XXXX XXXX to request information on an account ending inXXXX .i requested the date and amount of last payment on this account.. i was informed by a rep i was requesting the information from. she stated, because this account is so long ago, we, do not have the information you is requesting.. i stated, well there is a statute of limitation on this account., she stated i know, but we will still try to collect even if we can't. also, we will keep reporting to credit agencies as due on you. i explained that is against the law. She stated so what. The Company Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEXXXX Phone-XXXX my name 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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: IN

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I was told I can pay the machine off early and I could have the option without getting a prepayment penalty and I would get reimbursed for the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CT

Complaint narrative:
This account is the result of identity theft. I did not open this account, authorize its use, or receive any goods or services from it. It is fraudulent and does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2021, Balance : {$180.00} 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
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 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 : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$11000.00} 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 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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: MS

Complaint narrative:
Money be getting tooken out my account when i dont make the transactions and i asked them for reports on me making the transactions but they wouldnt send them saying that it doesnt show therefor i would be in the negatives like now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
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 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 : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>2022, 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,,, 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 2025-09-04 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 disputing a late payment listed on my credit report. This entry is inaccurate, as all payments were made on time according to my records. Allowing this false information to remain damages my credit standing and misrepresents my financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX from the previous owner, who signed the California title over to me. Capital One Auto Finance is still listed as the legal owner ( lienholder ), and I can not transfer ownership through the XXXX until the lien is formally released.

I mailed a complete lien release request to Capital One Auto Finance, including all required documents and a letter requesting either a notarized lien release or a countersigned title. The certified mail was delivered to their XXXX, VA office in XXXX XXXX. 

Ive received no response and have no way to speak to anyone. Their phone system blocks calls without an account number, and I have been unable to reach their Title Department by any method. 

This has left me unable to legally register the vehicle I own, despite doing everything required to resolve the issue.

Company response to consumer: Closed with explanation