vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint against Equifax for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>2025, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX XXXX  XXXX was fraudulent. Despite receiving this information, Equifax has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding several serious inaccuracies and unauthorized items appearing on my Experian credit report. After reviewing my report, I discovered that Experian is reporting two addresses that do not belong to me. The addresses XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX are completely incorrect. I have never lived at or been associated with either of these locations, yet they continue to appear in my personal information section, which raises concerns about potential errors or identity mix-ups. 

In addition to the wrong addresses, I also found two accounts from XXXX XXXX XXXX being reported inaccurately. The first account, Account # XXXXXXXX XXXX XXXX High Credit {$470.00}, Date Opened XX/XX/XXXXXXXX XXXX XXXX and the second account, Account # XXXXXXXX XXXX XXXX  High Credit {$520.00}, Date Opened XX/XX/XXXXXXXX XXXX XXXX, are both showing late payments. This information is completely false, as I have never made any late payments on these accounts. The reporting of late payments is damaging my credit reputation and is a clear violation of the Fair Credit Reporting Act, which requires credit bureaus to ensure maximum possible accuracy in consumer credit files. 

Furthermore, I identified several unauthorized credit inquiries that I did not approve or initiate. The inquiries made by XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, and XXXX on XX/XX/XXXX were made without my consent. I have never applied for any credit with these companies around those dates and did not authorize them to access my personal credit report. These inquiries are unauthorized and are negatively affecting my credit score. 

I have already contacted Experian to dispute these inaccuracies and unauthorized inquiries, but I am submitting this complaint to the Consumer Financial Protection Bureau because I believe my consumer rights under the Fair Credit Reporting Act have been violated. I request that the CFPB investigate these matters thoroughly and ensure that Experian removes the wrong addresses, corrects the inaccurate late payment history, and deletes all unauthorized inquiries from my credit report. I also ask that Experian be held accountable for failing to maintain accurate and verified information in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am filing this complaint concerning an auto loan account reported by GM Financial ( Account # XXXX ). 

The account is being reported as both Paid/Closed and Written Off, which is contradictory and inaccurate. This error negatively affects my credit score and misrepresents my payment history. 

I contacted GM Financial to request correction, but the issue remains unresolved. Under FCRA 623 ( a ) and 607 ( b ), furnishers are required to maintain and report complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this complaint because I was a victim of identity theft related to the XXXX  data breach. As a result of this breach, fraudulent and unauthorized accounts, inquiries, and personal information have appeared on my credit report. These items were not initiated, authorized, or consented to by me. 

Despite notifying the credit bureaus and providing the required documentation, the inaccurate and fraudulent information remains on my credit file. This is a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2, FCRA 605B ), which requires consumer reporting agencies to block and remove all information resulting from identity theft within four ( 4 ) business days after receiving proof and a valid identity theft report. 

The continued reporting of this fraudulent information has negatively impacted my credit standing and caused unnecessary hardship. This issue originated from XXXX data breach, and I am requesting immediate corrective action to prevent further damage and misuse of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I did not apply for or agree to any credit card or credit account with MoneyLion. I only used their earned wage access feature once and then canceled my account. After that, MoneyLion continued trying to take small payments ( {$4.00} and {$19.00} ) from my account even though I had revoked permission. 

On XX/XX/, MoneyLion reported a new credit account for {$900.00} to XXXX under my name without my knowledge or consent. I never received any disclosures, loan documents, or notice that I was opening a credit account. They are now forcing me to pay for a debt I did not agree to, and their system keeps attempting withdrawals even after I blocked them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Currently, I demand copies of my original documentation that proves responsibility of a posted collection against me personally. 
If the account is now owner by a third-party debt buyer, then I demand certification copies administered through the XXXX XXXX XXXXXXXX XXXX that the debt buyer is properly license as a registered debt buyer, and proof of proper surety bonding. 
If the account is valid, then I need a drop-dead date as to when the negative charge-off will be removed from my credit report altogether. 
If the debt buyer purchase can not be proved legally with a Bill of Sale attachment, then the account collection must be deleted from my credit report, and my information must be purged by the debt collection agency. 
A response letter with a contact source of who to call for any negotiation process would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my Experian consumer XXXX credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a personal loan account opened XXXX on XXXX under account number XXXX in the amount of XXXX. This fraudulent account has resulted in inaccurate and damaging information appearing on my Experian consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed frommy Experian credit report and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 

This is a formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove the following fraudulent account, including any related collections, charge-offs, late payments, and hard inquiries, that was added to my credit report without my knowledge or authorization. This account is the direct result of fraudulent activity and not any legitimate consumer transaction. 
This fraudulent, inaccurate, and false information consists of an installment account opened at XXXX XXXX XXXX XXXX Date Opened : XX/XX/scrub>XXXX 

This account was added without my knowledge or authorization and is the direct result of fraudulent activity, not any legitimate consumer transaction. In support of this request, I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Experian data breach.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX and TransUnion are reporting conflicting and inaccurate information for the same XXXX XXXX XXXX  account . XXXX reports the account as open with a past-due balance, while TransUnion reports it as closed and XXXX days late. These inconsistencies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ), which requires credit bureaus and furnishers to maintain and report only accurate, verifiable data. I requested documented proof of authorization and validation of all reported information, but neither XXXX XXXX nor the bureaus provided proper verification. Because the information can not be simultaneously accurate, I am requesting immediate deletion of this account and all related late payment data from all credit reports.

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 2025-10-09 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: TN

Complaint narrative:
Good Day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. 

Thank you for your prompt attention to this serious 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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The account listed as XXXX/CBNA does not belong to me. This account was opened fraudulently and without my knowledge or authorization as a direct result of identity theft. I am a victim of this crime and have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and a report with my local police department. I am not liable for any charges associated with this fraudulent account and request its immediate removal from my records and credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this correspondence as an update to my existing CFPB complaint against TransUnion XXXX XXXX XXXX XXXX XXXX XXXX 

Since filing my initial complaint XX/XX/year>, I have been blocked from accessing my TransUnion online account due to what the system describes as an IP restriction. This occurred shortly after I initiated the CFPB complaint process. As a result, I have been unable to view or obtain my credit report or monitor the progress of the ongoing investigation. 

This restriction effectively prevents me from exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g and 1681i, which require that consumers be able to access their credit information and receive timely updates on dispute investigations. 

I have issued a formal certified letter to TransUnion on XX/XX/year> demanding the reinstatement of my account access and requesting a mailed copy of my full consumer file. I am submitting this update so that the CFPB is aware of TransUnions continued obstruction and to request that this behavior be formally reviewed as part of my pending complaint. 


Thank you for your continued assistance in ensuring that TransUnion complies with federal consumer protection laws.

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 2025-10-09 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against TD BANK USA/TARGETCRED /TD a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

TD BANK USA/TARGETCRED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: TX

Complaint narrative:
The information that was added on my credit is incorrect and not mines i never applied for any loans or never had any credit cards on my credit i am a victim of identity theft and i have requested that the information be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX loans were discharged under the Borrower Defense

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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