vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXave all violated my rights as a consumer under FCRA 15 USC 1681c-2. They knowingly reported inaccurate information. I need these items blocked and removed from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 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 2025-12-03 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 recently review a copy of my credit report and notice 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 2025-12-03 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: MI

Complaint narrative:
I am submitting this complaint because all three major credit bureaus, along with multiple furnishers, have engaged in ongoing and unlawful reporting practices harming my credit profile, beginning with XXXX XXXX XXXX false and unverified collection allegedly tied to XXXX XXXX XXXX which was placed on my report without proper validation, without an accurate DOFD, and in violation of FCRA 605 ( a ), 623 ( a ) ( 5 ), and 607 ( b ), as well as FDCPA obligations requiring accuracy and verification ; additionally, XXXX  XXXX XXXX continues reporting a charge-off with conflicting dates, inconsistent histories, and unverifiable information despite multiple disputes, violating FCRA billing-error protections under 15 U.S.C. 1666 and 1666a and the furnishers duty to correct and reinvestigate under 623 ( a ) ( 2 ) and 623 ( b ) ; further, XXXX XXXX is reporting incorrect late payments that contradict my own statements and payment records, which constitutes false representation under FDCPA 807 and noncompliance with FCRA 611 by failing to properly investigate dispute claims ; collectively, these entities have not provided the documentation required under FCRA 609 ( a ) ( 1 ), have failed to ensure maximum possible accuracy, and have allowed inaccurate, misleading, and unverified information to remain on my reports, causing financial harm, credit denials, and emotional 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 2025-12-03 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: MI

Complaint narrative:
I am submitting this complaint because all three major credit bureaus, along with multiple furnishers, have engaged in ongoing and unlawful reporting practices harming my credit profile, beginning with XXXX XXXX XXXX false and unverified collection allegedly tied to XXXX XXXX XXXX which was placed on my report without proper validation, without an accurate DOFD, and in violation of FCRA 605 ( a ), 623 ( a ) ( 5 ), and 607 ( b ), as well as FDCPA obligations requiring accuracy and verification ; additionally, XXXX  XXXX XXXX continues reporting a charge-off with conflicting dates, inconsistent histories, and unverifiable information despite multiple disputes, violating FCRA billing-error protections under 15 U.S.C. 1666 and 1666a and the furnishers duty to correct and reinvestigate under 623 ( a ) ( 2 ) and 623 ( b ) ; further, XXXX XXXX is reporting incorrect late payments that contradict my own statements and payment records, which constitutes false representation under FDCPA 807 and noncompliance with FCRA 611 by failing to properly investigate dispute claims ; collectively, these entities have not provided the documentation required under FCRA 609 ( a ) ( 1 ), have failed to ensure maximum possible accuracy, and have allowed inaccurate, misleading, and unverified information to remain on my reports, causing financial harm, credit denials, and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-03 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: PA

Complaint narrative:
I am submitting a complaint against Experian for reporting inaccurate and unfairly late payment information on my credit file regarding the account listed as XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$3600.00}, originally opened on XX/XX/XXXX, and showing a Date Last Active of XX/XX/XXXX ; Experian is reporting this account as 30 days late in XX/XX/XXXX, which I dispute as inaccurate because the information does not reflect my actual payment activity, has not been properly validated, and appears to be furnished with incorrect dates and delinquency reporting that materially lowers my creditworthiness, causing harm in obtaining credit and financial opportunities, and despite my attempts to the account issue directly with the furnisher, Experian has failed to ensure the information is complete, accurate, and verified as required under the Fair Credit Reporting Act ( FCRA ).

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 2025-12-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Delete this hard inquiry : CAP1 10-19-2025. I am disputing the hard inquiries listed on my credit report because they were reported without my authorization or written permission. I did not give consent for any company to access my consumer report, and no permissible purpose existed for these inquiries under the Fair Credit Reporting Act. Reporting inquiries without authorization is a violation of federal law and has caused damage to my credit profile. Under 15 U.S.C. 1681b and 15 U.S.C. 1681e ( b ), you are required to ensure that all information reported is accurate, lawful, and supported by a valid purpose. These inquiries are not. I am demanding the immediate deletion of every unauthorized inquiry and a confirmation in writing that my credit report has been updated to reflect this correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my Equifax, TransUnion and Experian credit report that remain unresolved despite my previous disputes and repeated attempts to correct the information. Upon reviewing my credit report in detail, I am extremely frustrated and disappointed to see that many accounts continue to reflect incomplete, inconsistent, and unverifiable information. These inaccuracies have a direct negative impact on my creditworthiness, my ability to obtain loans, and my financial reputation. It is unacceptable that these errors persist, and I am formally requesting that Equifax, TransUnion and Experian conduct a thorough and proper reinvestigation of each item listed below and correct and update them as required under FCRA 611 ( 15 U.S.C. 1681i procedure for disputing inaccurate information ), FCRA 623 ( a ) ( 2 ) duty to correct and update, FCRA 605 ( a ) prohibition on reporting obsolete information, and FCRA 609 ( a ) right to full disclosure of information reported by furnishers. 
XXXXXXXX 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 2025-12-03 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: TX

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied and was approved for capital one XXXX  credit card on XX/XX/year> ( XXXX ). An offer was made where if I spend {$4000.00} in the first 3 months of the card being issued I was to receive XXXX miles as a bonus. I successfully completed the offers terms and the miles were issued on XX/XX/XXXX ( XXXX ). Then my account was closed abruptly and without warning only 5 days later on XX/XX/XXXX ( XXXX ). All of my rewards were removed and I was told I would not be able to get them back. My account was in good standing and I had made all the payments on time. I believe this is was an intentional ploy to get me to run up a balance on the card, thinking I was to receive the rewards. All for capital one to cancel the card just 5 days after issuing them. Its dishonest and I wish to receive the rewards I had rightfully earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent inaccurate address XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, PA XXXX and Hard Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following items have resulted in several fraudulent appearing on my consumer credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned items as reported. The aforementioned items appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned items are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit items are the result of identity theft and fraud.

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 2025-12-03 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:
Equifax is continuing to report a fraudulent, identity-theft account on my credit file despite receiving my full identity-theft package, including my FTC Identity Theft Report, documentary evidence, and a formal dispute letter dated XX/XX/year>. The account at issue XXXXXXXX XXXX XXXX XXXXXXXX is not mine and is the result of identity theft, yet Equifax has refused to block or delete it as required by federal law. XXXX actions violate multiple provisions of the Fair Credit Reporting Act, including its failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( XXXX ), its failure to block identity-theft information despite proper documentation under 1681c-2, and its continued publication of inaccurate information in violation of 1681i ( a ) ( XXXX ). Equifax has ignored my evidence, provided no verification, and continues reporting this fraudulent account, causing ongoing harm. I am requesting that the CFPB compel Equifax to immediately block and permanently delete the fraudulent account, provide a full explanation of its so-called verification process, supply all documents relied upon during its investigation, and issue an updated certified credit report confirming permanent deletion with no reinsertion. I am also requesting that the CFPB take enforcement action for Equifaxs repeated and willful noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt.This Company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX and Equifax have all violated my rights as a consumer under FCRA 15 USC 1681c-2. They knowingly reported inaccurate information. I need these items blocked and removed from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-12-03 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: FL

Complaint narrative:
My name is XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-12-03 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: TN

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent items on my TransUnion credit report. These errors are negatively affecting my credit profile and include accounts that do not belong to me and incorrect reporting of my personal information. 

Disputed Items : XXXX XXXX ( XXXX * * ) * * This account was fraudulently opened in my name. It was previously removed after my dispute, but has now reappeared on my TransUnion report. I have already submitted a police report, an FTC report, and letters from the creditor confirming the fraud. 

Student Loans XXXX XXXX XXXXXXXX Multiple student loan accounts appear on my report that I did not open and are not mine. 

XXXX XXXX XXXX XXXX * * ) * * This auto lease account is mine, but it is inaccurately reported as 60 days past due despite current and on-time payments. 

Personal Information Errors Addresses, phone numbers, and employment history are listed incorrectly. 

XXXX and XXXX Breaches I have been a victim of several data breaches that have resulted in identity theft and fraudulent accounts appearing on my credit report. These incidents have been reported to the authorities and are on file with TransUnion.

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 2025-12-03 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: CA

Complaint narrative:
I am submitting to express my deep frustration regarding the persistent inaccuracies on my Equifax, TransUnion and Experian credit report, despite multiple prior disputes. I have reviewed my credit file thoroughly, and I am compelled to demand a full and thorough reinvestigation into the following accounts that continue to be reported incorrectly. These inaccuracies not only misrepresent my credit history but also have the potential to significantly damage my financial standing. I am exercising my rights under the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i Dispute of Inaccurate Information ; FCRA 623 ( a ) ( 2 ) Duty of Furnishers to Correct and Update ; FCRA 605 ( a ) Obsolete Information ; and FCRA 609, 15 U.S.C. 1681g Right to Full Disclosure ), and I expect prompt action to correct all errors. 

XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-12-03 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:
I am submitting to express my deep frustration regarding the persistent inaccuracies on my Equifax, TransUnion and Experian credit report, despite multiple prior disputes. I have reviewed my credit file thoroughly, and I am compelled to demand a full and thorough reinvestigation into the following accounts that continue to be reported incorrectly. These inaccuracies not only misrepresent my credit history but also have the potential to significantly damage my financial standing. I am exercising my rights under the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i Dispute of Inaccurate Information ; FCRA 623 ( a ) ( 2 ) Duty of Furnishers to Correct and Update ; FCRA 605 ( a ) Obsolete Information ; and FCRA 609, 15 U.S.C. 1681g Right to Full Disclosure ), and I expect prompt action to correct all errors. 

XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX 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