vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XX/XX/XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year>XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Student Loan Reporting by Equifax During Approved Forbearance Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding Equifaxs inaccurate reporting of late payments on my federal student loan, which occurred during a period in which I was enrolled in an approved forbearance. 

Despite my loan being in forbearance from XX/XX/XXXXXX/XX/2025 Equifax has reported XXXX or more late payments during this timeframe. This information is false, and it is negatively impacting my credit profile and financial standing. 

Violations of Federal Law This inaccurate reporting appears to violate multiple federal laws and regulations, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX ( b ) : Requires credit reporting agencies to maintain procedures to ensure the maximum possible accuracy of information. 
15 U.S.C. XXXX : Provides consumers the right to dispute inaccurate information and mandates a timely reinvestigation. 
15 U.S.C. XXXX ( a ) : Requires data furnishers, including loan servicers, to accurately report payment history and correct errors. 
Higher Education Act of 1965 ( HEA ) and Related Regulations XXXX XXXX. XXXX : Requires accurate and complete reporting of federal student loan information to consumer reporting agencies. 
XXXX XXXX. XXXX ( k ) : Prohibits loan servicer from reporting a loan as delinquent when it is in an approved forbearance. 
XXXX XXXX. XXXX ( b ) ( XXXX ) (XX/XX/XXXX) : Requires guaranty agencies to accurately and timely update the loans credit reporting status. 

Summary of Issue Loan Servicer : XXXX XXXX XXXX. 
Credit Bureau Involved : Equifax Servicer Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Disputed Reporting : Late payment ( XXXX ) reported during approved forbearance period Forbearance Period : XX/XX/XXXXXX/XX/Date of Discovery : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: OH

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-16 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: SC

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) 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 2025-10-16 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: SC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-16 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: PA

Complaint narrative:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current information.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current information.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully dispute entries connected with accounts I never created. Please conduct a meticulous investigation and delete them. Supporting materials are provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: AZ

Complaint narrative:
Good day. I cant express enough how frustrating and exhausting this situation has become. To suddenly discover a debt that I know nothing about, unverified and clearly not mine, is extremely distressing. Ive been receiving constant harassment from multiple communication channels using different tactics, and now Im even being threatened with legal action over something I have no connection to. As a law-abiding citizen, this blatant violation of my consumer rights is deeply insulting. Its affecting my mental health and has been causing me sleepless nights for days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was in a accident in XX/XX/year>2024. I was covered with my insurance for a rental car with XXXX. I went into XXXX gave my vehicle insurance info, in which XXXX already had because my insurance company sent it over to them. I was covered for a car at $ XXXXday. XXXX advised that I need to put a card on file, as I was told " I would not be charged ''. It was just because they needed a card on file. I turned the rental car to XXXX after the car was completed in XXXX, got my receipt and was advised everything looked good. On XX/XX/XXXX, I was charged {$1900.00} to my Capital One checking account for no reason from XXXX. I immediately called Capital One to dispute the charge. They reimbursed my charge and fixed my account accordingly. We even ordered me entire new card so they couldn't touch my account. On XX/XX/XXXX, an entire month later the charge has been reversed with no reason as to why with Capital One. They even let them take another XXXX out in XXXX. This is insane! I called Capital One and asked and they said they gave me no reason at all, stating " We just reversed it ''. No reason and I told them it was an unauthorized charge. They even let XXXX go into back into the account XXXX more times and I even closed the account. How can they allow a charge on a card that they deactivated, I even asked only to be told because " WE CAN ''. Really? Really? Now the account is XXXX because of all these XXXX charges. No wonder this company had so many lawsuits!! This is insane and illegal! Can I please get some assistance with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing this formal complaint regarding the account originally with XXXX XXXX XXXX XXXX, later reported byXX/XX/XXXX ( Account No. XXXX ). 

I am requesting the immediate deletion of this account from my credit reports due to multiple, documented inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 

Summary of inconsistencies : XX/XX/XXXXdoes not report this account at all, which indicates it is either closed, paid, or unverified by the furnisher. 
Equifax reports this same account under XXXX XXXX XXXX XXXX, showing a {$0.00} balance, status Closed, and marked as Transferred or Sold. 
TransUnion, however, reports it under XXXX with a {$20000.00} balance and status Collection / Charge-Off. This is materially inconsistent and can not be accurate for the same account. 

These contradictions across the credit bureaus demonstrate that the information being reported is inaccurate, unverifiable, and misleading. 
A single account can not simultaneously be reported as closed with XXXX balance by XXXX bureau and charged-off with a $ XXXX balance by another. This directly violates the FCRAs accuracy and verification requirements. 

Legal Violations : FCRA XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 
FCRA XXXX ( a ) ( XXXX ) & ( a ) ( XXXX ) ( 15 U.S.C. XXXX ) If disputed information is found to be inaccurate or unverifiable, it must be promptly deleted from the consumers file. 
FCRA XXXX ( a ) ( XXXX ) ( A ) Information furnishers are prohibited from reporting information they know or should know is inaccurate. 

Because XX/XX/XXXX no longer reports this account, and Equifax confirms it as closed and sold with no balance, TransUnions continued reporting of a charged-off {$20000.00} balance is factually false and legally indefensible. 

Requested Resolution : In accordance with the FCRA, I request that : Both TransUnion and Equifax conduct a full reinvestigation of this account with the furnisher. 
Any unverifiable or inconsistent data be immediately deleted from my credit file. 
Written confirmation of the deletion or correction be provided to me. 

Attachments : Copies of my Equifax and TransUnion credit reports showing the inconsistencies, and confirmation that XX/XX/XXXX does not list this account. 

Thank you, 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
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
Money was tooking out of my account on lots of different times. Had to renew cards over XXXX over again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, and these inquiries still remain. 

This failure to act is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft and has caused ongoing emotional and financial distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NJ

Complaint narrative:
XXXX XXXX XX/XX/1986 XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Credit Representative, I am disputing the account stated above previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify these items. But how is that possible? Under the laws of the FDCPA, I have contacted the creditor myself, and they have failed to properly verify ( * pursuant to FDCPA standard/guidelines ) that this is indeed accurate. 

Accounts in Dispute : XXXX. XXXX XXXX XXXX : XXXX XXXX I enclose copies of my requests to the CFPB and the Creditor asking the creditor to validate these items. I was given no validation/verification in accordance with the outline of the FDCPA of my obligation and/or responsibility of these disputed items. 

The Fair Credit Reporting Act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove these items before I am forced to take Legal Action. 

In the event you can not verify these items pursuant to FCRA and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

Sincerely, 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 2025-10-16 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:
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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
b'In XXXX  of this year I was XXXX  with severe medical issues. Shortly after I was home from the hospital I XXXX  from XXXX XXXX  Since then we have had to cut back on spending and payments. I was not spending or paying as much on American express and they proceeded to reduce my limit each month so that I would be over and the minimum payments were higher and higher. I tried to call them and they rarely if ever answered. If I did get someone on the phone they would tell me that I would need to call back to speak with someone elseXXXX XXXX XXXX XXXX XXXX  they said that I was still "over" my credit limit, again because they were reducing the limit monthly, and that I either needed to pay $XXXX+ or they would close my card, the minimum payment was $XXXX  and even if I paid that they would close my card unless I paid more. We did not have the money to pay the credit card, the mortgage and health insurance were first on our list. \nAmerican express closed my account, will not talk to me, will not stop interest, and will not give me my points that were earned. We tried to call the numbers that were given and they say that another division of American express is handling it now and the number they give XXXX XXXX  hangs up immediately. \nThe practices that American Express has used are deceptive, unfair and while I understand they are a big bank I hope that someone sees that this is insane. They are literally lowering limits to get paid more so that they can impose a higher APR, which is a penalty APR, these practices should be prohibited and American Express should be fined and stopped. I know if they are doing this to me they are doing it to countless others. I would respectfully ask that this matter be investigated and they be prohibited from collecting further interest, higher APR, and any additional fees or penalties, it was their choice to close my card, not mine. I will pay what I owe, but I cannot and will not pay XXXX  in unfair and unethical interest. I would also ask that the points I earned for the money I spent be given back to me.'

Company response to consumer: Closed with explanation