vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting inaccurate and incomplete personal information in my credit file, and it has failed to maintain accuracy in violation of the Fair Credit Reporting Act ( FCRA ). I am already a proven victim of identity theft due to industry-wide breaches, and Equifax has not taken proper steps to safeguard or correct my data. 

My Equifax credit report shows : My legal name is not reported in its full form as listed on my Social Security card, drivers license, and birth certificate. Suffixes and identifiers are missing, which creates a risk of mixed files and fraud. 

My address is not listed correctly, even though I have submitted proper documentation. 

Multiple unauthorized inquiries are being reported under my file. These inquiries were not authorized by me and were not made using my full legal identifying information. 

These actions violate the FCRA, including : 1681e ( b ) : Duty to maintain maximum possible accuracy.

1681i ( a ) : Duty to reinvestigate and correct or delete inaccurate information within 30 days.

1681g ( a ) : Duty to provide a complete and accurate disclosure of my file. 

Because Equifax continues to report unauthorized inquiries and incorrect personal identifiers, I am suffering ongoing harm as a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-09-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio recovery randomly started calling me everyday starting on XX/XX/year>. Ive told them to stop, I will NOT provide any personal information to even confirm my identity on a line for something I didnt sign up for, contract with, or even owe. I dont know them, and I recently changed my phone number so they shouldnt even have my current phone number. Im currently unemployed so Im expecting calls from unknown numbers but portfolio recovery is harassing em every single day which makes me want to revert my phone back to silence and block unknown numbers. I dont even use under to apply for jobs I am a XXXX  XXXX  so I apply through a private database specifically designed with the FMCSA , XXXX/clearinghouse, so there is No 3rd party or ability for my info to be sold or released. Its a direct apply through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citi Bank has called me 20 times in one weeks span about late payment

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 2025-09-13 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: DC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$470.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$0.00}

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 2025-09-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
I attempted to use my XXXX XXXX  gift card balance, but XXXX will not let me use it and refuses to tell me why or offer a solution.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft, someone has take my personal information and used it to open all these credit card and loan account. Never gave anyone permission or authorization to open these accounts

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 2025-09-13 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:
I am disputing multiple items on my credit report due to suspected identity theft, fraudulent activity, and inaccurate reporting. 

XXXX XXXX XXXX ( Account No. XXXX ) : Reported as a collection account. I deny liability and suspect identity theft. I request a thorough investigation and for the account to be flagged to prevent further negative reporting until resolved. 

XXXX XXXX ( Account No. XXXX ) : Reported as closed with charge-off. I dispute this account due to fraud and unresolved discrepancies indicative of identity theft. I deny responsibility and request immediate investigation and flagging under identity theft protections. 

XXXX XXXX ( Account No. XXXX ) : Reported as 30 days past due as of XX/XX/year>. This late payment is inaccurate. I have consistently made payments on time. I request correction of this erroneous late payment reporting. 

I have contacted the relevant credit bureaus and creditors to dispute these matters, requesting investigations under the Fair Credit Reporting Act and identity theft protections. Despite my efforts, these items remain unresolved and are adversely affecting my credit profile and financial standing.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft, someone has take my personal information and used it to open all these credit card and loan account. Never gave anyone permission or authorization to open these accounts

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 2025-09-13 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: NC

Complaint narrative:
I am a victim of identity theft, someone has take my personal information and used it to open all these credit card and loan account. Never gave anyone permission or authorization to open these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: NJ

Complaint narrative:
I looked at my Experian 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 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
There was fraud on my account. There was six unauthorized transactions on my account and I disputed them and they sent me this letter. I did not make any of these charges. They took my money. This was Huntington Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, navy fcu XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Navy FCU XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Navy FCU XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX All of these inquiries were not authorized on these dates.This fraudulent inquires should not appear on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX service fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX service fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lightstream loans XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX All of these inquiries were not authorized on these dates.This fraudulent inquires should not appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX  XXXX that was sold to me despite the dealership and lender being aware that the vehicle was defective ( a lemon ). Shortly after purchase, the vehicle became undriveable. I made multiple phone calls to a representative named XXXX, who repeatedly told me to continue paying on a car I could not drive and even suggested that I purchase a used transmission online at my own expense. 

I ultimately returned the vehicle after it became clear that it was unsafe and unrepairable. Despite this, the account was reported on my credit report, later removed, and then replaced again. This has severely harmed my credit and financial standing. 

I am requesting that this account be fully and permanently removed from my credit report because the car was sold under unfair circumstances, the lenders practices were abusive and misleading, and I should not be penalized for a vehicle that was defective from the start and returned.

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 2025-09-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I have an auto loan with Ally Financial ( account beginning in XXXX ). I submitted a written request asking Ally to provide all documents pertaining to my loan, including the contract, full payment history, disclosures, statements, and internal account records. 

Ally has failed to provide the requested documents or only provided incomplete information. Without these records, I can not verify the accuracy of my loan balance, payment applications, or Allys credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit report and to notify you of a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. Under this statute, if I report to you that an account is fraudulent, you are required to remove it from my credit report within a reasonable time frame.

It has come to my attention that certain fraudulent accounts are still being reported under my name and Social Security Number, despite my previous notification to you regarding these fraudulent activities. I have already submitted proper documentation indicating that these accounts were opened as a result of identity theft, and they should not be appearing on my credit report. Under FCRA 605B, once I have reported an account as fraudulent, it is your legal responsibility to remove it from my credit file within a reasonable period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-09-13 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: MO

Complaint narrative:
This complaint is against Experian, Equifax, and TransUnion. These companies are not just violating the Fair Credit Reporting Actthey are repeat offenders. The CFPB itself already fined them in XX/XX/year> for sham dispute processes. I am here, months later, proving that they are still committing the same violations. 

Over the past 45 months, I have filed disputes with all three bureaus. 

They continue to fail to provide validation documents within the legal 3045 day window. 

Instead of investigating, they only send me copies of my credit reportsstalling and deflecting. 

The fact that all three companies use the same tactics shows this is not an isolated error but a coordinated, systemic misconduct. 


This matches exactly what the CFPB identified earlier this year. That makes these repeat offenses and the companies repeat offenders. 
Screenshots and headlines from the CFPBs own XX/XX/year> enforcement actions against these bureaus. 

Those documents describe sham dispute processes that are identical to what I am experiencing now. 

Despite enforcement, these companies never stopped. They are openly violating the law again. 

This is not just about my account. Every consumer in the United States is impacted when the credit bureaus run fraudulent dispute processes. 

If a taxpayer like me can spot these repeat patterns of misconduct, then CFPB investigators can and should be able to spot them as well.

-- - Closing Statement : The CFPB already declared these practices illegal in XXXX. I am proving that the bureaus are still using them, which makes them repeat offenders. The fact that they defy enforcement actions and continue breaking the law shows blatant disregard for both regulators and consumers. 

If the CFPB ignores this, it signals to the public that prior enforcement was meaningless and that the agencies can commit repeat offenses without real accountability.

Company response to consumer: Closed with explanation