vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: OH

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXXXXXX XXXX XXXX -Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AL

Complaint narrative:
XXXX XXXX  Account Ending XXXX The balance has not updated since XXXX. 
Payment history shows gaps and missing months. 
Repossession date appears inconsistent with balance updates.

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 2025-11-21 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: AL

Complaint narrative:
XXXX XXXX  Account Ending XXXX The balance has not updated since XXXX. 
Payment history shows gaps and missing months. 
Repossession date appears inconsistent with balance updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NJ

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 2025-11-21 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: CA

Complaint narrative:
I am filing a new complaint regarding a XXXX XXXX account that is reporting inaccurately and inconsistently across my credit reports. In my previous CFPB complaint, the company stated there XXXX be potential fraud involved. 
I have now filed an official Identity Theft Report through XXXX and am attaching my affidavit to support this complaint. 
The XXXX XXXX account is reporting different account open dates ( XX/XX/year> and XX/XX/year> ), different account statuses, and inconsistent dispute reporting across credit bureaus. 
I am formally requesting deletion and blocking of this account under FCRA 605B due to identity theft. 
This inaccurate reporting is causing ongoing financial and credit harm.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Care credit received an overpayment from me of {$170.00} dollars and since XXXX I have been trying to recieve the money. On XXXX XXXX, I requested that they send it and they said they would express it and I should receive it within XXXX business days. 
I called today and they never did that and I am still waiting for my check of {$170.00} dollars

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 2025-11-21 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: IL

Complaint narrative:
I am submitting this statement in an effort to dispute and resolve inaccuracies in my credit report. Below, I have outlined the accounts in dispute, separated by each credit bureau ( Equifax, Experian, and TransUnion ). I am requesting that these issues be investigated and rectified in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX XXXX Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} XXXX XXXX  Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Inquiries : XXXX Pre Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXate : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Regionalac Date : XX/XX/XXXX XXXX Cre Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Bank Deal Date XXXX XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments XXXX XXXX XXXX XXXX Account Number : 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 2025-11-21 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX  Account Number : XXXX * * * * Reported Late Payments : XX/XX/year> Creditor Name XXXX XXXX XXXX  Account Number : XXXX * * * * Reported Late Payments : XX/XX/year> Creditor Name : XXXX Account Number : XXXX * * * * Reported Late Payments : XX/XX/year>

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX XXXX  my credit card was used for multiple unauthorized transactions at XXXX XXXX, totaling {$5900.00}. Bank of America refunded {$5000.00}, including XXXX of the XXXX {$900.00} charges, but the other {$900.00} has never been refunded. 

Over the past 18 months, I called Bank of America more than XXXX times. I repeatedly asked for the dispute results and an explanation for the missing refund, but the bank only told me the case was still under review and never provided any clear information or resolution. 

I am requesting CFPB assistance to require Bank of America to complete the investigation and refund the remaining {$900.00} unauthorized amount. I have attached screenshots of all fraudulent transactions and the banks letter confirming the partial refund.

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 2025-11-21 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 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: NY

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : Equifax ( XXXX ), Experian ( XXXX ), and TransUnion ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1300.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-21 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 submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : Equifax ( XXXX ), Experian ( XXXX ), and TransUnion ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX CARD Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$5000.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$460.00}

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This record provides an inaccurate reflection of my financial habits. Please revise it once reviewed.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
It has been more than 90 days, the issue started back in XXXX they confirmed confirmed my account closure and only refunded me {$83.00} out {$1400.00}. They have not mailed my {$1300.00} cheque more than 90 days.

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 2025-11-21 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: NC

Complaint narrative:
I am filing a complaint regarding inaccurate and harmful reporting on my credit file related to my former auto loan with XXXX XXXX. 

XXXX  is reporting multiple pieces of information that are factually incorrect, inconsistent, or contradictory. These errors are severely impacting my credit standing. 

1. XXXX  is reporting my account as Included in XXXX, which is false. 

I have never filed XXXX. This is a serious and damaging inaccuracy that violates : FCRA 1681e ( b ) failure to assure maximum possible accuracy FCRA 1681i failure to properly investigate disputed information 2. XXXX is reporting a XXXX delinquency, charge-off, and past-due balances AFTER the account was already closed. 

The payment history shows : XXXX late XXXX late XXXX late XXXX late XXXX late XXXX late Charge-off codes Closed status These codes overlap in ways that are not consistent with normal reporting standards and appear duplicative or artificially extended. 

XXXX. The account shows conflicting Date of Last Activity, Date of First Delinquency, and Closed Date. 

The dates do not align and appear to have been updated in a way that re-ages the debt or extends the period of delinquency. 

4. The account contains multiple narrative codes that contradict each other. 

Examples include : Pays as agreed Charge-off Included in XXXX  Closed account/zero balance These codes can not all be true simultaneously. 

5. These inaccuracies are significantly damaging my credit score and my ability to secure stable housing and transportation. 

The reporting is not consistent with the original loan terms, my actual payment history, or my records. 

What I am requesting : I am asking that the CFPB require XXXX XXXX to : 1. Conduct a full investigation into the accuracy of the reporting.

2. Remove all inaccurate, inconsistent, or contradictory data from my credit reports. 


3. Provide corrected information to all three credit bureaus ( XXXX XXXX TransUnion ). 



These errors are causing substantial harm, and I am requesting prompt correction under the Fair Credit Reporting Act. 


-- -

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 2025-11-21 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: NC

Complaint narrative:
I am filing a complaint regarding inaccurate and harmful reporting on my credit file related to my former auto loan with XXXX XXXX. 

XXXX  is reporting multiple pieces of information that are factually incorrect, inconsistent, or contradictory. These errors are severely impacting my credit standing. 

1. XXXX  is reporting my account as Included in Bankruptcy, which is false. 
I have never filed bankruptcy. This is a serious and damaging inaccuracy that violates : FCRA 1681e ( b ) failure to assure maximum possible accuracy FCRA 1681i failure to properly investigate disputed information 2. XXXX  is reporting a XXXX delinquency, charge-off, and past-due balances AFTER the account was already closed. 

The payment history shows : XXXX late XXXX late XXXX late XXXX late XXXX late XXXX late Charge-off codes Closed status These codes overlap in ways that are not consistent with normal reporting standards and appear duplicative or artificially extended. 

3. The account shows conflicting Date of Last Activity, Date of First Delinquency, and Closed Date. 

The dates do not align and appear to have been updated in a way that re-ages the debt or extends the period of delinquency. 

4. The account contains multiple narrative codes that contradict each other. 

Examples include : Pays as agreed Charge-off Included in XXXX Closed account/zero balance These codes can not all be true simultaneously. 

5. These inaccuracies are significantly damaging my credit score and my ability to secure stable housing and transportation. 

The reporting is not consistent with the original loan terms, my actual payment history, or my records. 

What I am requesting : I am asking that the CFPB require XXXX XXXX  to : 1. Conduct a full investigation into the accuracy of the reporting.

2. Remove all inaccurate, inconsistent, or contradictory data from my credit reports.

3. Provide corrected information to all three credit bureaus ( XXXX, Equifax, XXXX ). 



These errors are causing substantial harm, and I am requesting prompt correction under the Fair Credit Reporting Act. 


-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: LA

Complaint narrative:
I am requesting that TransUnion conduct a full reinvestigation of the following accounts on my credit report. I believe these entries may contain errors, and I am asking for their correction or removal if they can not be validated. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$260.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$10000.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief