vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: MD

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts [ No charged-off accounts listed for Equifax ] Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX Late Payments XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
Unauthorized accounts are being reported on my credit report under my name without my permission or knowledge. 
I have never authorized or managed these accounts, making this situation entirely unacceptable. 
It introduces inaccurate and misleading information into my financial history. 
I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern.

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 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
This account, originally from XXXX XXXX XXXX  and now with Midland Credit Management, is being reported on my credit report without my authorization. I have contacted the company to request validation, including a signed contract or agreement proving that I am responsible for this debt. No documentation has been provided. The account is affecting my credit and financial situation. I maintain that I do not owe this debt and request a proper investigation in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). If the company can not provide proof that I am responsible, the account should be deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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 2025-12-22 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: IN

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : Charged Off Accounts : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$400.00} XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$370.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1900.00} Inquiries : XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 2025-12-22 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:
I am submitting this filing in order to dispute the inaccuracies on my credit report regarding several accounts listed with your XXXX XXXX XXXX. Below is a detailed list of the disputed accounts for each bureau : EXPERIAN Charged Off XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$3000.00} Late Payments CB Indigo Account Number : XXXX Credit XXXX XXXX XXXX Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-12-22 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: MD

Complaint narrative:
Dear XXXX, I am writing to formally dispute the accuracy of the following information reported on my credit report with TransUnion under Section 605B of the Fair Credit Reporting Act ( FCRA ). The specific information I am disputing is as follows : Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-22 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: DC

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-22 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: MO

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX XXXX XXXX TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX  TransUnion ( XXXX ), XXXX ( XXXX ), and XXXXXXXX XXXX TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-12-22 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: NJ

Complaint narrative:
I am writing to dispute the following accounts on my credit report. I have reviewed my credit report and identified discrepancies that need to be addressed under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute, separated by bureau. 


CHARGED OFF Account Name XXXX XXXXXXXX XXXX  Account Number XXXX XXXXXXXX Date Opened XXXX XXXXXX/XX/year> Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
I entered a lease-to-own agreement for a washer through ACIMA on XX/XX/year>. The washer was defective shortly after delivery and never functioned properly. The merchant attempted repairs multiple times, the repair man didn't fix suspension properly and the washer continued to malfunction. Then it was finally replaced with an older model, that made heavy noise and movement, which I informed them immediately, and is now completely non-functional. 

The merchant has since permanently closed, making repair, replacement, or merchant resolution impossible. I have paid a total of {$510.00} for this washer. 

On XX/XX/year>, I contacted ACIMA to formally dispute the lease due to failure of consideration. ACIMA acknowledged the dispute but stated that no merchant would accept broken equipment and demanded an additional settlement payment of {$270.00} instead of canceling the lease. 

I disputed this demand, as I have already paid over {$500.00} for an unusable washer and can not obtain repair or replacement due to the merchants closure. I stopped ACH withdrawals only after initiating a formal dispute. 

ACIMA is continuing to treat this as a valid lease despite the merchant being defunct and the product being unusable, which constitutes an improper collection attempt for goods that were never successfully delivered in working condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Misrepresentation of account status and restrictions Unfair, Deceptive, or Abusive Acts and Practices ( 12 USC 5531 Regulatory Violations of Ally bank against me Unfair, Deceptive, or Abusive Acts or Practices ( 12 USC 5531 UDAAP ) Misrepresentation of account status and threats regarding the withholding of funds constitutes deceptive and abusive behavior.

The bank is taking advantage of my lack of access to my own funds without providing a legitimate or disclosed reason.

Truth in Savings Act ( 12 CFR 1030 TISA ) Ally Bank has failed to resolve any account error or provide updates within the 10-business-day timeframe required for investigating account issues Misrepresentation of Account Status Ally bank has given misleading reasons for restrictions ( e.g., fraud review, compliance issues ) that are not accurate or disclosed ) initially they sent an email that my password was compromised and someone tried to change it immediately call the bank and the customer care representative admitted that nothing happened on my account my password wasnt changed that this was just Ally banks system of getting customers to call in Ally bank has provided no timeline for resolution Offer no explanation for the contradiction between their email and actual account status This represents a systemic failure of Ally 's customer service, compliance, and fraud investigation processes that has caused extensive financial harm and banking relationship damage.

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 2025-12-22 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: LA

Complaint narrative:
am requesting that this fraudulent loan be fully investigated as identity theft, closed immediately, and permanently removed from my credit report. I request written confirmation that I am not financially responsible for this account.ADD IM REQUESTING ADDRESS BE REMOVE AND REPLACE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PER BANK STATEMENT ATTACH I am also requesting that any negative credit reporting related to this fraudulent loan be corrected or deleted with all credit reporting agencies, and that the lender cease any collection activity related to this account. 



Additionally, I request confirmation that my personal information has been secured to prevent further unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: LEXISNEXIS
State: LA

Complaint narrative:
am requesting that this fraudulent loan be fully investigated as identity theft, closed immediately, and permanently removed from my credit report. I request written confirmation that I am not financially responsible for this account.ADD IM REQUESTING ADDRESS BE REMOVE AND REPLACE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PER BANK STATEMENT ATTACH I am also requesting that any negative credit reporting related to this fraudulent loan be corrected or deleted with all credit reporting agencies, and that the lender cease any collection activity related to this account. 



Additionally, I request confirmation that my personal information has been secured to prevent further unauthorized use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: FL

Complaint narrative:
My Direct Express account, issued by Comerica Bank, has been restricted for over four ( 4 ) months, and my funds have been wrongfully withheld despite my full cooperation with all requirements communicated by Direct Express.

Since the restriction began, I have followed all instructions provided by Direct Express customer service in an effort to resolve this issue. However, my account remains frozen, and I have not been given a legitimate explanation, resolution, or timeline for restoration of access to my funds. 

Customer service has been extremely difficult to access, often requiring hours on hold to reach a representative. When contact is made, I receive inconsistent information and no meaningful assistance. There has been no escalation, no clear communication, and no written confirmation of any action taken to resolve the restriction. 
As a direct result of this prolonged and unjustified withholding of my funds, I have been unable to pay my nursing home fees for three ( 3 ) months. This has caused severe financial hardship and placed my housing and medical care at risk. These funds are necessary for basic living expenses.

I am requesting regulatory intervention due to Comerica Banks continued failure to release federally disbursed funds and to resolve this matter within a reasonable timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$45000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}

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 2025-12-22 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: NY

Complaint narrative:
I am writing to dispute the inaccuracies on my credit report. The following accounts are being disputed due to errors, including incorrect reporting, failure to update balances, and other discrepancies. Below is the detailed breakdown of the accounts in dispute : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payment : XXXX XXXXXXXX

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 Sir/Madam, I am writing to dispute the accuracy of the following information on my Equifax credit report under Section 605B of the Fair Credit Reporting Act. The details are as follows : CHARGED OFF XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} INQUIRIES XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX LATE PAYMENTS XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation