vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX of Original Complaint : XXXX XXXX, 2025 Bureau Involved : Experian Information Solutions , Inc . 
Response Date : XX/XX/year>2025 Response Type : Closed with explanation Complaint Summary I am escalating my complaint against Experian due to its failure to comply with the Fair Credit Reporting Act ( FCRA ). I initially filed a formal dispute through the CFPB portal on XX/XX/year>2025, identifying multiple accounts that were inaccurate, unverifiable, and inconsistently reported across the three credit bureaus. Despite providing detailed documentation, Experian failed to conduct a reasonable reinvestigation and instead closed my complaint with a generic explanation on XX/XX/scrub>, 2025. 

Violations of the FCRA Experian is in violation of several provisions of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation. Experian relied solely on automated furnisher verification without independently validating accuracy or reviewing supporting documents I provided.

15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy. The disputed accounts still show conflicting balances, duplicate entries, re-aged debt, and closed/paid accounts reporting derogatory activity.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide the required Method of Verification ( MOV ) despite my formal request. Experian has not disclosed what records, communications, or documents were used to verify the disputed items.

Impact on Me Because Experian continues to report inaccurate and unverifiable negative information, my creditworthiness is being harmed. I am being unfairly denied accurate credit reporting, which has impacted my ability to access financial opportunities.

Requested Resolution I am requesting that the CFPB require Experian to : Delete the disputed accounts that remain unverifiable, duplicated, re-aged, or inaccurately reported, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Verification ( MOV ) for each account that Experian claims to have XXXX, including the name of the individual at the furnisher, the records reviewed, and the exact verification method. 

Issue a corrected credit report to me reflecting the deletions. 

Cease and desist from further reporting of inaccurate or unverifiable data. 

Next Steps If Experian continues to disregard its obligations under the FCRA, I intend to pursue additional remedies, including litigation for willful non-compliance under 15 U.S.C. 1681n.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Contacted XXXX  on several occasions to remove the spelling of my name and addresses. Spouse name was XXXX XXXX XXXX ( XXXX  ) and numerous inquirers unknown to me. This is not the first time XXXX has caused my credit rating to go down. I have one account with a balance, XXXX  for XXXX XXXXXXXX and no other debts. My credit score was XXXX at the beginning of 2025.

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 2025-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/year>, I learned from XXXX  XXXX that a check I never received in the mail had been cashed through Ally Bank. 
Check number : XXXX Amount : {$73000.00} On XX/XX/year>, I completed and submitted an Affidavit and Agreement of Forged Endorsement to XXXX  XXXX. 

On XX/XX/year>, the funds were credited back to my XXXX XXXX account. However, as of today, XX/XX/year>, I still can not access or withdraw this money. 

I filed a complaint with the CFPB, and on XX/XX/year>, XXXX XXXX responded that they are waiting to receive the funds back from Ally Bank and only after that will they issue me a new check. At the same time, they gave no timeline for when Ally Bank will return the money. 

As a result, I have been unable to access my savings for four months since XXXX  XXXX claims they mailed the original check, and for nearly three months since I submitted the Affidavit and Agreement of Forged Endorsement. 

I want access to my money. I need clear and specific timelines from Ally Bank. I have called them, but they provide no comments. I have no information about what they are doing or, most importantly, when they will return my funds.

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 2025-08-17 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: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed.

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 2025-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It XXXX Concern : I, XXXX XXXX, submit this formal complaint regarding the unlawful and inaccurate credit reporting practices of XXXX, Equifax, and XXXX following my documented victimization in the Equifax XXXX breach. 



Facts XXXX. I was a victim of the Equifax data breach, which exposed my personal information and led directly to identity theft. 
XXXX. I filed an FTC Identity Theft Report ( Report XXXX XXXXXXXX, dated XX/XX/XXXX ) which details fraudulent accounts that were opened in my name without authorization, including : XXXX XXXX fraudulent account, {$4900.00} ( opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX fraudulent collection account, {$890.00} ( opened XX/XX/XXXX, related to unauthorized XXXX XXXX ) XXXX. Despite providing notice and documentation, all three consumer reporting agencies continue to publish negative accounts resulting from this breach and theft. 
XXXX. To date, I have not received any Negative Information Notice required by XXXX XXXX. XXXX ( a ) ( XXXX ) from any furnisher, further evidencing noncompliance. 



Violations of XXXX XXXX XXXX. XXXX Failure to block fraudulent information after submission of an Identity Theft Report. 
XXXX XXXX. XXXX ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 
XXXX XXXX. XXXX Failure to properly reinvestigate disputed information. 
XXXX XXXX. XXXX ( a ) ( XXXX ) Failure of furnishers to provide required Negative Information Notices. 

Case law reinforces these duties : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs must do more than parrot furnishers responses ; they must conduct meaningful investigations. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Willful failure to follow procedures creates liability. 
In re Equifax , Inc . XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) Confirmed the Equifax breach foreseeably exposed consumers to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: WV

Complaint narrative:
IDENTITY MIX, SHOWING OLD OR OUTDATED ACCOUNTS, ACCOUNTS SHOWING CLOSED WITHOUT CONSUMER REQUEST, TRANSFERRED INSTALLMENTS SHOWING CLOSED AND MISSING RATING HISTORY, INSTALLMENT STATUS UPDATED TO SHOW NOTHING

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 2025-08-17 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: WV

Complaint narrative:
IDENTITY MIX, SHOWING OLD OR OUTDATED ACCOUNTS, ACCOUNTS SHOWING CLOSED WITHOUT CONSUMER REQUEST, TRANSFERRED INSTALLMENTS SHOWING CLOSED AND MISSING RATING HISTORY, INSTALLMENT STATUS UPDATED TO SHOW NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: CA

Complaint narrative:
In XX/XX/year> I changed my address and had a new card sent to my address About XXXX weeks before my wallet that had a card in it had been stolen from a motel I could not answer my phone it was burned in fire and I can't remember my passwords. Now the new card was locked when I tried to activate it they said there was unusual activity and they locked it fine I get it. 
So I got a new id card mailed. They rejected it said I need birth certificate and ss card. Ok I got that. Now it's been XXXX and a half months I have no money. They say the photos are dark or illegible. I am XXXX XXXX XXXX and I am doing the best I can I keep sending I have others try on their phones they ignore it social security said they can't help me my case number with XXXX XXXX is XXXX XXXX XXXX XXXX they have XXXX and XXXX payments I have an unactivated XXXX XXXX card i get retirement benefits. For XXXX years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
My Citi XXXX XXXX  card ends in XXXX has been closed without any prior notice. I have reached out to the customer service department and requested for re opening the card. The person I have talked to even told me that she didnt even see any particular reason for closing my card and she was sure to reopen it. But I received an email denying my request. I have set up an auto payment which has {$100.00} balance and that payment was never delayed. The unexpected closure of the card resulted in considerable decrease of my credit score upto XXXX points which has been badly affected my credit score. I believe this is just to harass because of my nationality and purely discrimination. I humbly request that necessary action should be taken against the Citi card department.

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 2025-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/XXXX, I opened a savings account in XXXX CA, and deposited a check from a life insurance policy, I was told it was going to take 10 business days for the check to mature. In XXXX of XXXX, I was informed my account was frozen pending verification from the insurance company. Since then I have tried to get official communication with the reasons why it's still frozen since the insurance company verified that the check was legal but they have failed to give me any valid reason. They told me that my account has pending litigation but the superior cout in XXXX XXXX has refuted the claims, so they have no valid reason to freeze my account. They refuse to tell me what's going on and my bank manager only says her immediate manager is the one with the say. They have never sent me any letter telling me any action taken or even to tell me the reasons it has withheld my money. It's been 9 months and still they play hide and seek with all the branch employees and customer service not having any answer for me.

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 2025-08-17 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have inquiries on my report from banks regarding car dealerships that ran my credit through multiple banks. I was told XXXX maybe XXXX banks.. I have at least XXXX. This is absurd and unacceptable. These dealerships run your credit through so many banks and the consumer is not aware. I submitted several photos so that you can see when a customer has left the dealership. They are still running you credit. Illinois should put some type of law in place to stop this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-17 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: AL

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 168b permissible purposes of consumer reports. 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. 
XX/XX/XXXXhas violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-08-17 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: AL

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 168b permissible purposes of consumer reports. 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. 
XX/XX/XXXXhas violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Complaint ( Auto Loan / Repossession Threat ) Issue Type : Auto loan or lease Problems when you are unable to pay What happened : I am submitting a complaint regarding my auto loan with [ Lenders Name ]. 

On [ date you received the notice ], I received a notice that my account is in default and that my vehicle may be repossessed. I have not been given clear or fair information about my repayment options. I contacted the lender regarding my past-due amount, but I feel I was not provided reasonable solutions such as deferment, modification, or hardship assistance, even though I am experiencing financial difficulty. 

The lenders communication has been [ choose any that apply : threatening, unclear, harassing, not consistent with my contract terms ]. The letter advised me to remove personal belongings from my vehicle, which I feel is an intimidation tactic, as I am actively trying to resolve this issue. 

I am requesting that the CFPB review this account to ensure : My payments have been properly applied. 

The lender has offered all available hardship or repayment options. 

The lender is complying with the Fair Debt Collection Practices Act and all applicable state laws regarding repossession and collection practices. 

Desired Resolution : A clear and accurate statement of my account balance and past-due amount. 

A reasonable payment arrangement or hardship option to avoid repossession. 

Assurance that my rights as a consumer are protected during this process. 

Supporting Information : Loan account number : [ XXXX ] Vehicle : [ XXXX XXXX XXXX ] ( I have been making partial payments toward my account, but despite this, the lender has continued to classify me as delinquent and is threatening repossession. I believe my payments should be properly applied and reflected in my account status. The lender has not provided me with clear communication about how these payments are being applied, nor have they offered reasonable hardship options to bring my account current. 
( A repo threat while Iam sending money regularly can definitely look like an unfair or deceptive practice if theyre not applying payments correctly or not crediting them in a timely way. ) I will be speaking with lawyer soon

Company response to consumer: Closed with explanation