vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: FL

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

1681c2 ) that you, the Experian 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 Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I went to activate a pre-paid gift card through the American Express website and it repeatedly failed. I then called the number to activate it and they refused to activate it as well, instead stating that they would reissue the card which isn't applicable to a pre-paid. As a result, I then tried to issue a chargeback to which my bank refused so I'm out {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I tried to login to add a freeze to my credit report with Transunion. ( I was able to easily do it for XXXX XXXX XXXX XXXX. I had problems with my laptop, but was able to login on my XXXX. When I tried to initiate a freeze, it put me into a chat with someone and after many questions and verifications, and after asking at the end " is my credit frozen? '' I got kicked out of the chat and now I can't login to their website. This is the XXXX time I've run into problems with this company. They are AWFUL and their technology is XXXX rate if that. Someone needs to do something about this company. If they can't service the general population properly then they need their license to do this kind of work taken away from them.

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 2025-09-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
When I went to review my credit profile there were some inquiries that were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
Dear Experian 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 : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-30 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: NM

Complaint narrative:
I am not associated with the mentioned creditors and did not authorize this inquiry. Kindly delete it from my credit file right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/year>, I initially inquired specifically about KeyBank Select Checking {$500.00} promotion ( code XXXX, valid until XX/XX/year> ) - see attached initial email inquiry. On XX/XX/year>, bank representative confirmed promotion eligibility via email and instructed to set up direct deposit to receive bonus ( see attached email confirmation ). During in-branch account opening on XX/XX/year>, I was told I only qualified for Key Smart Checking with {$300.00} bonus ( XXXX ) while my wife qualified for Key Select Checking with {$500.00} bonus ( XXXX ). My account numbers are XXXX ( checking ) and XXXX ( savings ), and my wife 's account numbers are XXXX ( checking ) and XXXX ( savings ). The savings accounts were opened by the representative despite us only requesting checking accounts needed for the bonus promotion. During this process, I verbally reconfirmed bonus eligibility with the representative. He assured me not to worry, stating he had opened many accounts for similar situations and the bonus was applied successfully without issues. Before proceeding with my wife 's account, I specifically asked again about bonus eligibility to avoid unnecessary XXXX  inquiries. The representative again confirmed it would be applied. On XX/XX/year>, received email ( attached ) stating both promotions were not honored due to undisclosed XX/XX/XXXX branch restriction. This was never mentioned during account opening process. XXXX refused to provide written confirmation of denial. Total impact is {$800.00} ( {$300.00} for my account, {$500.00} for wife 's account ). Would not have opened accounts without these promotional offers and repeated assurances. Both promotions still being advertised as valid until XX/XX/year> ( see attached current promotion screenshots ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
An EXETER FINANCE LLC account was reported on my credit report that does not belong to me. I was incarcerated during the time the account was opened and had no ability to authorize or manage it. I requested verification and documentation from EXETER, but they have not provided proof that this account is accurate or belongs to me. I dispute the accuracy of this account and request that it be removed from my credit report and that any reporting to credit bureaus be corrected to reflect this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
My history shows punctual payments on this account, and I ask that it be updated accordingly. This mistake is frustrating in light of my consistent record.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Follow-up to Complaint ID XXXX regarding account XXXX XXXX. I have never received verification or documentation of this alleged debt. XXXX shows it as verified/updated, which is inaccurate and incomplete. 

The furnisher has failed to provide proof of the debt, the original agreement, or chain of assignment, as required under the FDCPA ( 15 U.S.C. 1692g ) and FCRA ( 15 U.S.C. 1681s-2 ). 

I no longer want verification I demand that the furnisher delete this account from all credit reports immediately. Screenshots of the XXXX reporting, my identification, and proof of address are attached for reference. 

Reporting this account without proper documentation is unlawful. I request confirmation once the account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-30 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately Bankruptcy XXXX  XXXX XXXX | Bankruptcy XXXX  XXXX XXXX | Bankruptcy XXXX  XXXX XXXX | XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX OF XXXX XXXX | XXXX OF XXXX XXXX. This inquiry is not authorized. Please remove it from my credit report immediately XXXX XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately Bankruptcy XXXX  XXXX XXXX | Bankruptcy XXXX  XXXX XXXX | Bankruptcy XXXX  XXXX XXXX | XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX OF XXXX XXXX | XXXX OF XXXX XXXX. This inquiry is not authorized. Please remove it from my credit report immediately XXXX XX/XX/year>.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone may have used my information to open up this account after it was leaked in the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AK

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest is reporting an inflated balance on my auto loan despite over XXXX years of consistent on-time payments. I requested an accounting ledger to see how my payments were applied, but Bridgecrest has refused to provide it to me and my authorized representative. Additionally, I recently discovered that the collateral vehicle was sold under false pretense - I was told and shown the XXXX report that the vehicle had XXXX accidents, but it was actually previously totaled. 

Details : My account has been in good standing, with timely payments made for over XXXX years. 
The reported balance remains disproportionately high compared to the original loan terms and payments made. 
I requested an accounting ledger showing how my payments were credited, but my request was denied. 
Bridgecrest continues to report the loan as valid and secured despite the underlying misrepresentation. 
The vehicle was represented as having no accident history, but I was later informed that it had been totaled and has a market value of less than {$1000.00}. 
I am paying $ XXXX for a vehicle with no real collateral value. 

Laws Violated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Misrepresentation of accident history. 
XXXX XXXX XXXX XXXX - Duty to provide evidence of debt when disputed. 
FCRA 623 ( a ) ( 8 ) - Duty to investigate and furnish accurate information Truth in Lending Act ( 15 U.S.C. 1666 ) - Duty to properly apply payments and provide accurate disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-30 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: FL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX and Equifax for the continued reporting of inaccurate, misleading, and unverifiable information regarding my XXXX XXXX account ( Account XXXX XXXX XXXX XXXX XXXX XXXX  ). This account demonstrates clear violations of the Fair Credit Reporting Act ( FCRA ) and federal law. 

Errors and violations include : Inconsistent high balance reporting across bureaus ( {$15000.00} vs. {$9600.00} ). 
Contradictory dates of last activity, reporting, and payments. 
Conflicting account statuses including Derogatory, Paid, Closed, and Collection/Chargeoff. 
Creditor remarks that directly contradict each other and do not reflect the true history of the account. 
No signed contract or validation has been provided under my name despite multiple requests, proving the account remains unverified. 

XXXX XXXX has shown itself to be an unreliable and untrustworthy furnisher of credit information. Equifax continues to report this unverifiable and conflicting data, failing to uphold its obligation to ensure maximum possible accuracy and to conduct a reasonable investigation under the FCRA. These failures amount to deceptive and negligent practices which directly harm my credit profile.

Company response to consumer: Closed with non-monetary relief