vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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 against Equifax, Experian, and TransUnion for the illegal reinsertion of a fraudulent account on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). The account in question is : Account : XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account originated from a data breach where my personal information was compromised, leading to unauthorized activity. I previously disputed this account multiple times, providing evidence of its fraudulent nature, and it was successfully removed from my credit reports on XX/XX/XXXX. 

However, on XX/XX/XXXX, the account was reinserted into my credit reports across all three bureaus without any prior notification or validation. Under FCRA Section 611 ( a ) ( 5 ) ( B ), previously deleted information can not be reinserted unless the furnisher certifies its accuracy and the credit reporting agency notifies the consumer in writing within five business days, including the furnisher 's contact information. None of the bureausEquifax, Experian, or TransUnionprovided me with such notification, and no proper validation or certification was conducted. 

Attached are screenshots from my Experian report ( as of XX/XX/XXXX ) showing the reinserted account details, including : Status : Account charged off, {$6500.00} written off and past due as of XX/XX/XXXX. 



Remarks : Profit and loss write-off ; Account closed by credit grantor on XX/XX/XXXX. 



Payment history with derogatory marks. 

Similar reinsertions appear on my Equifax and TransUnion reports, causing ongoing damage to my XXXX XXXX. Despite my repeated disputes, the bureaus have failed to comply with FCRA requirements, resulting in significant financial harm, XXXX, and potential tax implications ( e.g., no 1099-C form received for the charged-off amount ).

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter across all three bureaus and compel them to : Immediately and permanently remove the XXXX XXXX  account from my credit reports. 



Provide written confirmation of the removal and an explanation for the illegal reinsertion. 



Ensure future compliance with FCRA notification and validation procedures. 

Thank you for your prompt attention to this violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
I am filing this complaint against Equifax, Experian, and TransUnion for the illegal reinsertion of a fraudulent account on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). The account in question is : Account : XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account originated from a data breach where my personal information was compromised, leading to unauthorized activity. I previously disputed this account multiple times, providing evidence of its fraudulent nature, and it was successfully removed from my credit reports on XX/XX/XXXX. 

However, on XX/XX/XXXX, the account was reinserted into my credit reports across all three bureaus without any prior notification or validation. Under FCRA Section 611 ( a ) ( 5 ) ( B ), previously deleted information can not be reinserted unless the furnisher certifies its accuracy and the credit reporting agency notifies the consumer in writing within five business days, including the furnisher 's contact information. None of the bureausEquifax, Experian, or TransUnionprovided me with such notification, and no proper validation or certification was conducted. 

Attached are screenshots from my Experian report ( as of XX/XX/XXXX ) showing the reinserted account details, including : Status : Account charged off, {$6500.00} written off and past due as of XX/XX/XXXX. 



Remarks : Profit and loss write-off ; Account closed by credit grantor on XX/XX/XXXX. 



Payment history with derogatory marks. 

Similar reinsertions appear on my Equifax and TransUnion reports, causing ongoing damage to my XXXX XXXX. Despite my repeated disputes, the bureaus have failed to comply with FCRA requirements, resulting in significant financial harm, XXXX, and potential tax implications ( e.g., no 1099-C form received for the charged-off amount ).

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter across all three bureaus and compel them to : Immediately and permanently remove the XXXX XXXX  account from my credit reports. 



Provide written confirmation of the removal and an explanation for the illegal reinsertion. 



Ensure future compliance with FCRA notification and validation procedures. 

Thank you for your prompt attention to this violation.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-13 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CARS Acquisition, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from a XXXX  dealership.The dealership engaged in multiple acts of misconduct, including : Failing to issue a valid temporary tag at the time of purchase Using a non-transferable tag from another vehicle Delaying registration for XXXX  month Demanding an additional {$1000.00} after the deal was finalized, falsely claiming the bank required it. I made XXXX payments on the account through XX/XX/year>. 
On XX/XX/year>, the dealer released my registration and tag only after I verbally agreed to pay the disputed balance. I believe these actions may violate XXXX  dealer laws and the Truth in Lending Act.I have filed complaints with the XXXX  XXXX and the XXXX  Attorney Generals Consumer Protection Division, and I have now formally disputed the financing with my lender, XXXX XXXX XXXX XXXX XXXX  . I am seeking to have the account placed in dispute and the title released without further payment obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My car was repossessed but I paid to get it back but when i got the car back the dashboard had every light on and it wouldnt crank without a jump start. They made another key and my original key doesnt work and they pulled wires out of the car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-08-13 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
! recently reviewed a copy of report and noticed I had a fradulent accounts and inquires on my report. Please remove these accounts and inquires from my report, they are hurting my ability to obtain credit. I have gone ahead and attached those fraudulent accounts and inquiries down below. 

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

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX Subject : Urgent Missing Capital One Accounts from XXXX Credit Report Dear XXXX XXXX : I am writing to urgently bring to your attention a serious credit reporting issue involving my Capital One accounts ending in XXXX and XXXX. 




These accounts were both opened in XX/XX/XXXX and are current, in good standing. However, they are not appearing on my XXXX  credit report. This omission is adversely and unlawfully affecting my credit profile and score. 



Please ensure that an immediate update is sent to XXXX  so these accounts are accurately reflected without further delay. This matter is time-sensitive and requires your urgent attention today. 



I appreciate your prompt action and confirmation once the update has been transmitted. 



Thank you kindly in advance. 


Best, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CBC Companies, Inc.
State: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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 disputing these accounts as they were not opened by me. They may involve identity theft. Please investigate thoroughly and remove them. Documents are provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-08-13 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-13 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am filing this complaint regarding an account reported by SYNCB/Care Credit that continues to appear inaccurately on my credit report : Account Name : SYNCB/Care Credit Reference No. : XXXX Date Opened : XX/XX/year> I previously disputed this account and requested the removal of any inaccurately reported late payments. Despite my prior dispute, the account remains on my credit report in a manner that I believe is inaccurate and negatively affects my credit standing. 

I am requesting the CFPB to assist in ensuring that this account is corrected or removed from my credit report so that my credit history accurately reflects my payment record. 

Sincerely, 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