vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
Inquiries in Dispute XXXX XXXX XXXX AN Dated XX/XX/XXXX XXXX MO Dated XX/XX/XXXX XXXX XXXX Dated XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX XXXX CARD Dated XX/XX/XXXX Statement : I do not recall authorizing these companies to access my credit report or submitting applications with them. I am requesting that Experian verify each of these inquiries and provide proof that I gave written or electronic authorization for them. 
If proper authorization can not be verified, please remove these inquiries from my credit file. 

Late Payments in Dispute XXXX MTR, Account No. XXXX XXXX XXXX, Account No. XXXX Statement : I believe the reported late payments from XXXX XXXX XXXX are inaccurate. Please reinvestigate and provide verification or documentation supporting these reports. If Experian can not confirm the accuracy, I request that these late payment notations be removed or updated to show on-time status.

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NC

Complaint narrative:
For the billing cycle XX/XX/XXXX XX/XX/year>, my Discover statement shows an interest charge of {$4.00} based on balances subject to interest of {$760.00} ( 0 % promo ) and {$220.00} ( regular 21.24 % ), totaling $ XXXX though my actual balance during that period never exceeded about {$810.00}. 

I contacted multiple Discover customer service agents on XX/XX/year>, through chat, requesting a written reconciliation showing how those figures were derived and how payments were applied between promotional and regular APR buckets. Each response repeated generic information about average daily balances and payment allocation, but no numerical breakdown or correction was provided. 

I am requesting that Discovers billing-error or executive-response department review this discrepancy and provide a written explanation or adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: DE

Complaint narrative:
I am disputing the following items with TransUnion : CHARGED OFF ACCOUNTS XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$8800.00}XX/XX/XXXX, XXXX, XX/XX/XXXX, {$3400.00} XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX AUTO, XXXX, XX/XX/XXXX, {$4000.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$450.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$590.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$660.00} XXXX, XXXX, XX/XX/XXXX, {$26000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$840.00} XXXX, XXXX, XX/XX/XXXX, {$300.00}

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 2025-11-07 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:
I am filing a dispute regarding inaccurate information on my credit report. I respectfully request that the following accounts be investigated and corrected under the guidelines of the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$390.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$700.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1100.00} XXXX CRED, XXXX, XX/XX/XXXX, Balance : {$580.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$590.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$2700.00} Inquiries : XXXX, XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Late Payments : 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 explanation
Consumer complaint received 2025-11-07 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:
I am reaching out because my credit report still shows multiple unauthorized inquiries, even after I already submitted an identity theft report to the bureau. I never gave permission to these companies to access my credit report, nor have I applied for any credit with them. It is extremely frustrating and stressful to see that despite submitting proof of identity theft, these fraudulent inquiries remain on my report. This ongoing inaccuracy makes me feel unprotected as a consumer and continues to damage my peace of mind.

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 2025-11-07 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-07 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 filing this complaint because Equifax is reporting several accounts that appear to be inaccurate, unverifiable, or improperly updated. I have reviewed my credit report and found information that does not match my records. Some accounts are listed as charged off even though there is no valid proof of ownership, assignment, or recent activity to justify that status. Additionally, there are inconsistencies in payment history and dates when compared with other credit bureaus. I have previously tried to resolve these matters directly with Equifax but have not received any supporting documentation that proves these accounts are accurate under the Fair Credit Reporting Act ( FCRA ). I am requesting a full reinvestigation and correction or deletion of the disputed information. 

Disputed Charged-Off Accounts : XXXX Account # XXXX Reported XX/XX/XXXX for {$2800.00}. 

I do not have any confirmed or verifiable relationship with this debt collector. Please provide validation including the original creditor, contract, and payment history. 

XXXX Account # XXXX Reported XX/XX/XXXX for {$0.00}. 

This account should not reflect a charged-off status if the balance is {$0.00}. Please verify or delete if inaccurate. 

XXXX  XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX for {$1500.00}. 

I request documentation proving that this account was legitimately charged off and that the amount is correct. 

XXXX XXXX Account # XXXX Reported XX/XX/XXXX for {$750.00}. 

The information reported is inconsistent with other bureaus ; please confirm all dates and payment records. 

XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX for {$3000.00}. 

I have not received any notice from this company proving ownership of this account. Please provide validation or remove the entry. 

Late Payment : XXXX  XXXX Account # XXXX Reported late payment appears inconsistent. Please verify accuracy and provide documentation showing the specific missed payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I am sending this to formally request the immediate blocking of a fraudulent account that has appeared on my credit file. This situation has caused me serious concern and XXXX, as I have always taken great care to protect my personal and financial information.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CO

Complaint narrative:
I was approved for the Citi XXXX XXXX credit card. Less than two months after approval, my account was restricted. Citi then requested I submit an IRS Form 4506-C for income verification, which they stated was due to application errors on their part. I complied with this request and submitted the completed 4506-C form.

Despite my full compliance with this income verification, I discovered that Citi had permanently closed my account.

I received no prior warning or explanation for this closure. When I called customer service a day after I found out the card was closed, the representatives refused to provide any specific reason, calling it a " business decision '' and offering no path to appeal.

I am deeply concerned by this action for two reasons : Citi closed my account after I had already complied with their request for tax transcript verification ( Form 4506-C ), making the closure seem entirely arbitrary.

I am concerned this action may be discriminatory. It is widely reported in public forums that a significant number of the accounts being closed in this wave belong to individuals with last names of foreign national origin, a pattern I fit. This is especially alarming given Citi 's documented history, including a 2023 CFPB order ( Case 2023-BCFP-0021 ) fining the bank {$25.00} XXXX for this exact practice of discriminating based on national origin. 

I am seeking a full and transparent explanation for my account closure and for the points to be restored.

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 monetary relief
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft ( FTC Report # XXXX, notarized affidavit attached ). Two XXXX  XXXX XXXX accounts from XXXX and XXXX were charged-off and should no longer appear on my credit reports. XXXX  reviewed the same accounts, verified they were obsolete, and deleted them. Experian, however, continues to report one or more of these XXXX  XXXX XXXX tradelines as verified. 

I previously sent Experian and XXXX  XXXX XXXX certified identity-theft and reinvestigation requests under FCRA 605B and 611, including my FTC report , affidavit, ID, and proof that TransUnion removed the same accounts. Experian has not provided any verification documentssuch as the signed application, E-SIGN records, IP/device logs, or billing historyand continues to publish the account beyond the 7-year limit required by FCRA 605 ( a ).

This ongoing reporting is inaccurate, obsolete, and harmful. XXXX  XXXX XXXX is also furnishing data it knows or should know is inaccurate in violation of FCRA 623 ( a ) ( 2 ).

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 2025-11-07 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: DE

Complaint narrative:
I am disputing the following items with Experian : CHARGED OFF ACCOUNTS XXXX XXXX XXXX {$0.00} XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$8800.00} XXXX, XXXX, XX/XX/XXXX, {$3400.00} XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$4000.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$450.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$590.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$370.00} XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$840.00} XXXX, XXXX, XX/XX/XXXX, {$300.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-11-07 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: MD

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
No repairs were done to my unit in 7 days my XXXX was condemned and I was current on my rent. I moved out and lost everything because of the XXXX XXXX that overtook my XXXX XXXX I was current on my rent XXXX XXXX when I left and do not owe XXXX or XXXX or any kind of utilities. I have the mold inspection report, hotel receipts, and proof my home was uninhabited for the time they are trying to charge me for. She kicked me out of the office when I complained and refused to repair my unit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
My wife has been working with a family in California since XXXX of XXXX. The family is paying her for her services by checks from their XXXX XXXX account. For the last month and a half, USAA has consistently, for no reason, restricted our joint banking account, reversing legitimate deposits, and flagging routine transactions, despite our telling them over the phone multiple times ( at last count, this has happened almost 20 times since XXXX ) what is going on because their system constantly flags the transactions as fraudulent since she is currently in California and I am in Washington. 

I have asked and demanded repeatedly that they keep detailed records of this because it keeps happening yet they somehow are surprised that this happens each time. 

This is absolutely XXXX XXXX! We have been members of USAA for almost 40 years combined between the two of us and this needs to stop!

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 2025-11-07 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: NV

Complaint narrative:
I hereby dispute these accounts, which were not authorized by me. As they appear fraudulent, I request their immediate removal from my credit file and an appropriate investigation. Evidence is attached.

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 2025-11-07 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-07 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Tried to work with them on paying the loan down they did not they applied my payments wrong and have me paying more towards interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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