vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: NJ

Complaint narrative:
After reviewing my credit reports, I identified inaccurate and unverifiable negative information being reported by multiple data furnishers and consumer reporting agencies. Specifically, a charged-off revolving account continues to report ongoing delinquency and improper account aging after the charge-off event, creating a misleading impression that the obligation remains active. In addition, a paid and closed auto loan reflects a late payment notation that is not supported by documented billing cycles, due dates, or proof of consumer default. I submitted disputes requesting reinvestigation under the Fair Credit Reporting Act, yet the inaccurate information remains on my reports without evidence that a reasonable investigation was conducted or that the furnishers provided competent verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
account number : XXXX name : XXXX XXXX XXXX XXXX I am filing this complaint regarding a materially false, mathematically impossible, and unlawfully inflated credit card tradeline reported by XXXX XXXX XXXX XXXX and repeatedly published by TransUnion, Experian, and Equifax despite formal disputes. 
This account was a {$1000.00} credit card. There was never a {$10000.00} credit limit, authorization, amendment, or contractual modification. Nevertheless, the account is now reporting : -A fabricated balance of {$10000.00} -A fabricated credit limit of {$10000.00} -Conflicting high credit, credit limit, and charge-off data across bureaus -Simultaneous reporting as a loss/write-off while still displaying an active balance -A revolving credit card can not legally or mathematically generate debt exceeding its approved limit without documented amendments. None exist. The reported figures are not merely inaccurate they are impossible. 
-This is not a dispute over payment history. This is balance inflation and data fabrication. 

Specific Violations : -Balance Fabrication/ Impossible Debt -Reporting a {$10000.00} balance on a {$1000.00} credit card is a material misrepresentation.

-Violates FCRA 1681e ( b ) ( maximum possible accuracy ).

-Contradictory Tradeline Data -Credit limit , high credit, and balance figures conflict internally and across bureaus.

-Violates FCRA 1681c ( a ) ( 4 ) and 1681i ( a ).

-Improper Charge-Off Reporting -The account is reported as charged off / loss while still publishing a balance.

-Violates FCRA 1681s-2 ( a ) ( 1 ) ( inaccurate information furnished ).

-Failure to Conduct Reasonable Investigation -I sent formal, documented disputes to all three bureaus detailing these violations.

-Continued reporting proves no reasonable investigation occurred.

-Violates FCRA 1681i ( a ) ( 1 ) ( A ).

-Systemic Republishing of False Data -Each bureau is republishing demonstrably false information supplied by the furnisher.

-This is no longer an error it is willful non-compliance.

Harm Caused : Artificial inflation of utilization and debt Severe and ongoing credit score suppression Denial of credit opportunities Reputational and financial harm caused by knowingly false data- I have included copies of letters sent to Transunion, Experian and Equifax along with my license, social security number and proof of address

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 2025-12-24 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: FL

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-12-24 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: NH

Complaint narrative:
account number : XXXX name : XXXX XXXX XXXX XXXX I am filing this complaint regarding a materially false, mathematically impossible, and unlawfully inflated credit card tradeline reported by XXXX XXXX XXXX XXXX and repeatedly published by TransUnion, Experian, and Equifax despite formal disputes. 
This account was a {$1000.00} credit card. There was never a {$10000.00} credit limit, authorization, amendment, or contractual modification. Nevertheless, the account is now reporting : -A fabricated balance of {$10000.00} -A fabricated credit limit of {$10000.00} -Conflicting high credit, credit limit, and charge-off data across bureaus -Simultaneous reporting as a loss/write-off while still displaying an active balance -A revolving credit card can not legally or mathematically generate debt exceeding its approved limit without documented amendments. None exist. The reported figures are not merely inaccurate they are impossible. 
-This is not a dispute over payment history. This is balance inflation and data fabrication. 

Specific Violations : -Balance Fabrication/ Impossible Debt -Reporting a {$10000.00} balance on a {$1000.00} credit card is a material misrepresentation.

-Violates FCRA 1681e ( b ) ( maximum possible accuracy ).

-Contradictory Tradeline Data -Credit limit , high credit, and balance figures conflict internally and across bureaus.

-Violates FCRA 1681c ( a ) ( 4 ) and 1681i ( a ).

-Improper Charge-Off Reporting -The account is reported as charged off / loss while still publishing a balance.

-Violates FCRA 1681s-2 ( a ) ( 1 ) ( inaccurate information furnished ).

-Failure to Conduct Reasonable Investigation -I sent formal, documented disputes to all three bureaus detailing these violations.

-Continued reporting proves no reasonable investigation occurred.

-Violates FCRA 1681i ( a ) ( 1 ) ( A ).

-Systemic Republishing of False Data -Each bureau is republishing demonstrably false information supplied by the furnisher.

-This is no longer an error it is willful non-compliance.

Harm Caused : Artificial inflation of utilization and debt Severe and ongoing credit score suppression Denial of credit opportunities Reputational and financial harm caused by knowingly false data- I have included copies of letters sent to Transunion, Experian and Equifax along with my license, social security number and proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NH

Complaint narrative:
account number : XXXX name : XXXX XXXX XXXX XXXX I am filing this complaint regarding a materially false, mathematically impossible, and unlawfully inflated credit card tradeline reported by XXXX XXXX XXXX XXXX and repeatedly published by TransUnion, Experian, and Equifax despite formal disputes. 
This account was a {$1000.00} credit card. There was never a {$10000.00} credit limit, authorization, amendment, or contractual modification. Nevertheless, the account is now reporting : -A fabricated balance of {$10000.00} -A fabricated credit limit of {$10000.00} -Conflicting high credit, credit limit, and charge-off data across bureaus -Simultaneous reporting as a loss/write-off while still displaying an active balance -A revolving credit card can not legally or mathematically generate debt exceeding its approved limit without documented amendments. None exist. The reported figures are not merely inaccurate they are impossible. 
-This is not a dispute over payment history. This is balance inflation and data fabrication. 

Specific Violations : -Balance Fabrication/ Impossible Debt -Reporting a {$10000.00} balance on a {$1000.00} credit card is a material misrepresentation.

-Violates FCRA 1681e ( b ) ( maximum possible accuracy ).

-Contradictory Tradeline Data -Credit limit , high credit, and balance figures conflict internally and across bureaus.

-Violates FCRA 1681c ( a ) ( 4 ) and 1681i ( a ).

-Improper Charge-Off Reporting -The account is reported as charged off / loss while still publishing a balance.

-Violates FCRA 1681s-2 ( a ) ( 1 ) ( inaccurate information furnished ).

-Failure to Conduct Reasonable Investigation -I sent formal, documented disputes to all three bureaus detailing these violations.

-Continued reporting proves no reasonable investigation occurred.

-Violates FCRA 1681i ( a ) ( 1 ) ( A ).

-Systemic Republishing of False Data -Each bureau is republishing demonstrably false information supplied by the furnisher.

-This is no longer an error it is willful non-compliance.

Harm Caused : Artificial inflation of utilization and debt Severe and ongoing credit score suppression Denial of credit opportunities Reputational and financial harm caused by knowingly false data- I have included copies of letters sent to Transunion, Experian and Equifax along with my license, social security number and proof of address

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 2025-12-24 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: MA

Complaint narrative:
I am disputing an auto finance account reported by XXXX XXXX XXXX XXXX that resulted from identity theft. 

I did not apply for, authorize, or consent to any credit application, retail installment sale contract, or auto financing. My personal identifying information was used without my permission by a family member in connection with a vehicle transaction facilitated by a XXXX dealership. 

XXXX XXXX continues to maintain and report this account despite notice and documentary proof that the transaction is fraudulent. 

I have submitted an Identity Theft Affidavit and a comprehensive evidence packet. 

I am requesting immediate deletion of this account, cessation of all collection activity, and written confirmation that I have zero liability pursuant to 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 explanation
Consumer complaint received 2025-12-24 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: MA

Complaint narrative:
I am disputing an auto finance account reported by XXXX XXXX XXXX XXXX that resulted from identity theft. 

I did not apply for, authorize, or consent to any credit application, retail installment sale contract, or auto financing. My personal identifying information was used without my permission by a family member in connection with a vehicle transaction facilitated by a XXXX dealership. 

XXXX XXXX continues to maintain and report this account despite notice and documentary proof that the transaction is fraudulent. 

I have submitted an Identity Theft Affidavit and a comprehensive evidence packet. 

I am requesting immediate deletion of this account, cessation of all collection activity, and written confirmation that I have zero liability pursuant to 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 2025-12-24 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: MA

Complaint narrative:
I am disputing an auto finance account reported by XXXX XXXX XXXX XXXX that resulted from identity theft. 

I did not apply for, authorize, or consent to any credit application, retail installment sale contract, or auto financing. My personal identifying information was used without my permission by a family member in connection with a vehicle transaction facilitated by a XXXX dealership. 

XXXX XXXX continues to maintain and report this account despite notice and documentary proof that the transaction is fraudulent. 

I have submitted an Identity Theft Affidavit and a comprehensive evidence packet. 

I am requesting immediate deletion of this account, cessation of all collection activity, and written confirmation that I have zero liability pursuant to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXXXX/XX/XXXX, I visited a Fifth Third branch to deposit a {$1000.00} business check from my employer, issued as our XXXX bonus. Before completing the transaction, I specifically asked the teller whether the check would be available immediately upon deposit or if I should cash it first and then deposit the funds. I was advised that depositing the check directly would be fine. 

Later that day, when I noticed the funds were not available, I contacted the Fifth Third customer service line to confirm the status of the deposit. I was told the check would process overnight due to standard bank processing times. 

On XXXX XXXX XXXXXX/XX/XXXX, I checked my account again and saw that the {$1000.00} deposit was marked as processed ( not pending ). However, my available balance did not reflect the deposit. I called customer service again and was informed that the funds would not be available until XX/XX/XXXX. This was the first time I was told there would be an extended hold. I requested to speak with a supervisor, whom I believe was named XXXX, but was told there was nothing that could be done. 

I reviewed XXXX XXXX Rules and Regulations regarding deposit holds, and none of the listed reasons for placing a hold appear to apply to my situation. Later on XX/XX/XXXX, I used Fifth Thirds online chat to speak with a supervisor and requested clarification on which specific, listed policy justified the hold on my deposit. No one was able to provide an applicable reason. 

Today, XX/XX/XXXX, I spoke with my employer, who confirmed that the check has fully posted to their account and that the funds have been withdrawn. From my employers perspective, the transaction is complete. From my account perspective, the deposit shows as processedyet the funds are still unavailable. 

To further complicate matters, I contacted Fifth Third chat support again today and spoke with a supervisor named XXXX. She was unable to determine whether the deposit was made in-branch or via mobile deposit, which raised additional concerns about the accuracy of the information being reviewed. At this point, I have received conflicting explanations from multiple representatives, none of whom have been able to clearly explain the status of my funds or provide a valid, policy-based reason for the hold. 

My concern is simple : the check has been processed on both ends, yet no one can tell me where my money is or why it is being held. I am requesting a clear explanation, based on Fifth Thirds published Rules and Regulations, detailing why this hold applies to my deposit and when the funds will be made available. 

I appreciate your prompt attention to this matter and look forward to a clear and accurate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
These accounts are not my responsibility and must be removed within 15 days under USC 1681g.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: WI

Complaint narrative:
Credit card opened under my name with ChimeXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I have never interacted with Chime in any capacity nor given consent to use or access my information. I do not have an account with Chime. I never receieved any notice from Chime whether by email, phone, or physical mail regarding these actions taken by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be both unauthorized and potentially fraudulent. I kindly request swift action to address this issue. Supporting documents are attached for your reference.

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 2025-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to request assistance regarding an ongoing issue I have encountered when attempting to open personal checking accounts and business bank accounts. Each time I apply and enter my personal information, my application is denied or flagged for unspecified security reasons. In some cases, I am asked to visit a physical branch, which is not always possible, as some institutions do not have locations near me. 

I am the rightful owner of my personal information and can verify my identity with valid government-issued identification, including my ID and passport. I have no reason to believe there is incorrect or fraudulent information associated with my identity, yet this issue has occurred repeatedly across multiple institutions. 

This has happened with XXXX XXXX, personal and business, Truist XXXX and also XXXX  of XXXX business where I have held an active bank account there for 10 years. 

I am requesting that this matter be reviewed to determine why my information is being flagged and what steps can be taken to resolve it. 

Thank you

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