vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have identified multiple accounts being reported inaccurately, incompletely, and in violation of FCRA, FDCPA, and XXXX XXXX standards.

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 2025-12-08 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: OH

Complaint narrative:
I have identified multiple accounts being reported inaccurately, incompletely, and in violation of FCRA, FDCPA, and XXXX XXXX standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My father opened an account under my name. Paperwork from the XXXX dealership which my dad went to and opened an account under my name has his signature. I have repeatedly disputed this and marked this account as fraud.

1. I have submitted an FBI claim.

2. I have submitted a local police report. 

The collection agency and XXXX claim that I am legally liable because my dad opened the account. This is not right nor correct. 

After years of going back and forth, I finally decided to settle with " XXXX XXXX '' to remove this from my credit. I paid them a large amount of money. The account is still on my credit report from the credit agencies.

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 2025-12-08 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly resulted in harm to both my credit standing and credit score. 
I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. 
Unfortunately, that assurance has not been honored, as these inquiries persist on my report. 
This failure to fulfill the commitment is unacceptable. 
The ongoing presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. 
This unresolved matter continues to cause significant emotional and financial distress.

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 2025-12-08 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
XXXX XXXX XXXX XXXX has reported inaccurate information on my credit report. They are claiming I have an outstanding debt that does not belong to me. I have reviewed my records, and I have no knowledge of this account, nor have I ever incurred any debt with them. 
I am requesting that XXXX XXXX XXXX XXXX investigate this account, provide verification of the debt, and correct or remove this false information from my credit report. This inaccurate reporting is causing harm to my credit and is a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
To whom it may concern : I am writing to dispute a collection account that appears on my credit report under the name XXXX XXXX XXXX.. This account is not mine and is being reported inaccurately. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a reinvestigation and deletion of this account. The FCRA requires that any information that is inaccurate, incomplete, or can not be verified must be removed from my credit report. 
Reasons for dispute : I have no knowledge of this alleged debt. 
I have never opened an account with the alleged original creditor. 
The debt collector has not provided proper validation, meaning the account is unverified and should not be reported. 
Requested action : Please conduct a full reinvestigation and delete this account. If the furnisher can not provide original documentation proving I am responsible for this debt, you must remove it from my credit file. 
Enclosed are copies of the following : My drivers license Proof of address The credit report page showing the disputed account Please send the results of your reinvestigation to the mailing address listed above. 
Thank you,

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 2025-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a phone call from a XXXX XXXX XXXX XXXX stating that he was needing to deliver a package to me and wondered if I would be home at a certain time to deliver and sign. I said no I was at work and wouldnt be there until XXXX. I asked what it was about and he said that he was a XXXX and had papers to deliver to me and he couldnt open the envelope as it was against the law to be able to tell me. He gave me a phone number to call XXXX and reference tracking XXXX XXXXXXXX XXXX. The man, XXXX XXXX told me it was about a loan from XXXXXXXX XXXX  XXXX it was repossessed, auctioned and balance due. He had my social security number, date of birth, etc. I explained I knew nothing of it, it was not on my credit and I have been paying my credit off. We went back and forth ( friendly ) - he spoke with the lawyer a couple of times and told me I could settle out of court for a certain amount. I told him I couldnt today but I could next week. He took my card #, and sent me a document with everything on it to sign. I did and then I got the signed document. When we hung up I didnt feel right. I checked the statute of limitations in XXXX and it is 4 years. Since I authorized the card for XXXX I cancelled my card immediately and contacted my bank. This XXXX is from a company he stated as XXXX XXXXXXXX XXXX which is NOT a collections or law firm for collections. Its an XXXX XXXX type of company. He gave me a call back XXXX  of XXXX. They have all my information. Everything. I dont have much and now Im afraid they will take what I do have. I was fooled. Please stop them.

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 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: SC

Complaint narrative:
PLAZA SERVIC is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERVIC 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 explanation
Consumer complaint received 2025-12-08 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: PA

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 XXXX 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 XXXX 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.

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 2025-12-08 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:
XXXX XXXX XXXX has reported inaccurate information on my credit report. They are claiming I have an outstanding debt that does not belong to me. I have reviewed my records, and I have no knowledge of this account, nor have I ever incurred any debt with them. 
I am requesting that XXXX XXXX XXXX investigate this account, provide verification of the debt, and correct or remove this false information from my credit report. This inaccurate reporting is causing harm to my credit and is a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my ExperianXX/XX/XXXX & XX/XX/XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My credit report is consistently showing late payments for student loans, XXXX XXXX XXXX for the month of XXXX. These were reported to the credit bureaus as on time and yet they have refused to update it.

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 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I received a XXXX XXXX notification that my credit score had dropped significantly. ( XXXX to XXXX ), After inquiring with Chase, I was advised that on XX/XX/year>, Chase attempted to automatically withdraw {$3900.00} from my personal checking account ( Account # XXXX ) but there were insufficient funds. I have multiple accounts with chase and XXXX account has over {$230000.00}. They were supposed to be linked to avoid this situation. On XX/XX/year> I received a statement dated XX/XX/year>, indicating I missed a payment. I immediately made a double payment and inquired as to what happened. Even though Chase had my current phone number of ( XXXX ) XXXX, they allegedly tried contacting me at my old phone number ( XXXX ) XXXX which was not in service for over XXXX years. Chase reversed the late fee but is refusing to remove the XXXX day late even though I received no notice and was under the impression by accounts were linked regardless. I can not have a XXXX day late on my credit profile as I am a XXXX of a law corporation and need to maintain stellar credit which I have for many years now as I have different credit lines. I need help please as this was a big misunderstanding but Chase is doing nothing to assist. My chase mortgage account number is XXXX XXXX XXXX. My personal banker is XXXX  XXXX ( XXXX ) XXXX. Thank you for your assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This incident has been reported to the XXXX XXXX Police Department XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX General Information Incident Type Identity Theft Tracking Number XXXX Report Date XX/XX/XXXX XXXX XXXX Reporting Person Information Name XXXX, XXXX Home Address XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, US Home Phone XXXX Email XXXX Race XXXX AMERICAN Ethnicity XXXX XXXX XXXX Resident Status R RESIDENT XXXX MALE DOB XX/XX/XXXX Driver License No XXXX Licensing State TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX Time ( start ) XX/XX/XXXX XXXX XXXX Incident Time ( end ) XX/XX/XXXX XXXX XXXX Location Type XXXX XXXX At what business or businesses did the unauthorized transaction ( s ) occur? Please provide name, address, city, and state. 
Several What was the total amount of charge ( s )? {$3500.00} Have you been reimbursed by your financial institution? If yes, how much? 
No Was your personal information used or different information? If no, please provide the information used. 
Yes Narrative Incident Description : My personal information was empacted in the XXXX XXXX XXXX XXXX. 
I recently was reviewing my credit report and noticed the following fraudulent accounts that was opened in my name without my permission : XXXX T Mobile acct # XXXX {$870.00} XXXX Collection acct # XXXX {$2000.00} XXXX acct # XXXX {$280.00} XXXX acct # XXXX {$86.00} XXXX acct # XXXX {$230.00} And XXXX hard inquires that someone tried to get credit in my name without my permission.

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 2025-12-08 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: NJ

Complaint narrative:
am a confirmed human trafficking survivor, verified by the New York XXXX XXXX XXXX XXXX and XXXX XXXX ( OTDA # XXXX ). During my trafficking period, multiple negative accounts, charge-offs, and inaccurate items were reported on my credit file. These items were directly connected to coercion, instability, and circumstances outside my control. 
Although the company eventually corrected or removed the inaccurate information, the damage had already been done. I suffered years of financial harm, including denials for housing, auto loans, higher deposits, higher interest rates, emotional distress, and long-term credit score damage. 
On XX/XX/year>, I submitted a formal written demand for compensation for the harm caused by their inaccurate reporting, pursuant to the Fair Credit Reporting Act ( FCRA ). I have not received an adequate response to my compensation request. 
I am filing this complaint because the inaccurate reporting caused significant financial and emotional damages before it was corrected, and the company has not addressed my request for compensation. I am asking the CFPB to require the company to review and respond to my compensation demand.

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 2025-12-08 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: TN

Complaint narrative:
I recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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