vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-11-20 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: PA

Complaint narrative:
You have failed to provide adequate documentation to verify the accuracy of this information. The FCRA requires you to maintain only accurate, complete, and verifiable information on my credit report. If verification can not be provided, the information must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my Equifax credit report. Please investigate these items as they may contain inaccuracies or errors. 

CHARGED OFF XXXX XXXXXXXX, XXXX, XX/XX/year>, {$620.00} XXXX XXXX XXXXXXXX, XX/XX/year>, {$5200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: OK

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-20 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
TRANSUNION Intermediate Holdings , Inc., and EXPERIAN Information Solutions , Inc., and EQUIFAX , Inc., which are all consumer reporting agencies and financial institutions. Their involvement in this complaint proves they are guilty and in violation of aggravated identity theft for knowingly using, transferring, and/or possessing my non public personal means of identification ( NPI ), which is a violation of my privacy and a violation of the Gramm-Leach-Bliley-Act. Additionally, while obtaining my non public personal customer information by false pretenses and without my consent, all CRA 's involved in this complaint went on to violate the Privacy Act of 1974 by disclosing my non public personal records contained in their system of records to other agencies and/or persons without my written request or written consent.

I have created individual statements for each financial institution/CRA 's SEE ALL ATTACHMENTS

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 2025-11-20 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:
TRANSUNION Intermediate Holdings , Inc., and EXPERIAN Information Solutions , Inc., and EQUIFAX , Inc., which are all consumer reporting agencies and financial institutions. Their involvement in this complaint proves they are guilty and in violation of aggravated identity theft for knowingly using, transferring, and/or possessing my non public personal means of identification ( NPI ), which is a violation of my privacy and a violation of the Gramm-Leach-Bliley-Act. Additionally, while obtaining my non public personal customer information by false pretenses and without my consent, all CRA 's involved in this complaint went on to violate the Privacy Act of 1974 by disclosing my non public personal records contained in their system of records to other agencies and/or persons without my written request or written consent.

I have created individual statements for each financial institution/CRA 's SEE ALL ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK, XXXX XXXX, XXXX XXXX inquires : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX bank

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 2025-11-20 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: TX

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: DC

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$670.00} - Date Opened : 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 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's department store. 
My case number with Macy 's is XXXX. This case is referring to two unauthorized charges that were made on my account on XX/XX/year> at Macy 's in XXXX XXXX XXXX in XXXX, CA. The XXXX. unauthorized purchase amount is {$1000.00} and the 2nd. unauthorized purchase amount is {$390.00}. 

The Macy 's at this location in XXXX XXXX XXXX in XXXX, CA has closed soon after the charges were made. We are unsure what card was used for the unauthorized transactions. We feel that there may have been other cards that were used for the unauthorized transactions or it is a case of Identity Theft where our information was used to make the unauthorized transactions. 
When calling Macy 's and reporting fraud, they claim that the authorized user personally walked in and made the purchases yet they never clarified how and what methods their purchases were made and never been able to give us proof that it's actually us who made these purchases. The attachments are screenshots that show the details of the unauthorized transactions as well as a police report we filed to open an investigation into this matter. We tried contacting Macy 's support multiple times and nothing was resolved with respect to clearing these unauthorized transactions that we clearly did not make. I contacted Macy 's XXXX department on XX/XX/year> to request updates and the agent told me that the person who investigated these transactions will give me a call within XXXX days to explain how they determined that the authorized user on the card had made the charged. I haven't received a call yet and I believe that I will not receive a call from them as they've been very unprofessional about this whole matter. 
We are not responsible for paying these charges. We would like to make sure we are not paying towards the unauthorized charges that were both made on XX/XX/year>. 
I would also like to add that I was diagnosed with XXXX XXXX late XXXX of this year and I started my XXXX treatment mid XXXX. This unexpected life altering event left our family in shock and fear and the last thing my husband ( the authorized user on the account ) or I would do during this time is head to Macy 's department store and recklessly shop for unnecessary items. 

Thank you for your time.

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 monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, 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, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 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.

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 2025-11-20 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: AL

Complaint narrative:
I need clarification as to why you are reporting certain information on my report. Please review the following : XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/year> Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this unverifiable inquiry from my credit report. In addition, I did not give you ( Equifax ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-20 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: NV

Complaint narrative:
I am submitting this complaint to formally dispute and demand correction of inaccurate and unverified negative entries that continue to appear on my credit report. Despite multiple prior requests and the submission of all required supporting documentation, these inaccuracies have not been adequately investigated or corrected. My follow-up efforts have been repeatedly disregarded or left unresolved, resulting in ongoing financial harm and emotional distress.

Under the Fair Credit Reporting Act ( FCRA ) including but not limited to 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 1681e ( b ) ( Accuracy of Consumer Reports ) I am legally entitled to a credit report that is accurate, fair, and fully verifiable. Consumer reporting agencies and furnishers are required to conduct a reasonable, good-faith investigation when a consumer disputes information and must delete or correct any item that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Issue : Capital One closed my longstanding credit card account after multiple returned payments that occurred due to a documented bank account mix-up, not an inability to pay. 
Complaint : In late XX/XX/XXXX ( XX/XX/XXXX ), I opened two new savings accounts with my bank. Due to this, there was an unintended mix-up with which bank account was sending and receiving payments to my Capital One credit card. As a result, several payments were returned. 
The returned payments were : XXXX {$450.00} XXXX {$470.00} XX/XX/XXXX {$650.00} XXXX {$540.00} XX/XX/XXXX {$630.00} For the first three occurrences, I immediately resubmitted each payment and it went through successfully, so I believed it to be a temporary bank error. When the XXXX payment was returned a second time on XX/XX/XXXX, I visited my bank and discovered the payments were being pulled from the wrong account. I resolved the issue the same day and transferred funds to ensure all payments cleared from the correct account. 
At no point were these returned payments due to financial hardship or an inability to pay. They were the result of the account routing issue, which has now been permanently corrected. 
I have been a Capital One customer in good standing since XX/XX/XXXX, and have maintained an excellent payment history for over three years. Despite explaining the situation, Capital One automatically closed my credit card and declined my request for a reconsideration review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-11-20 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation