vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some accounts have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent accounts from my file that were opened without my permission. Please see the listed accounts below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-12 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: CA

Complaint narrative:
I found inquiries on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
Draft CFPB Complaint Statement Subject : Request for Immediate Removal of Fraudulent Account & Inquiries Identity Theft ( FTC Reports # XXXX & # XXXX ) To Whom It May Concern : I am submitting this complaint because Experian, TransUnion, and Equifax are reporting fraudulent accounts and unauthorized inquiries on my credit file despite my filing of two official FTC Identity Theft Reports ( FTC Report # XXXX, filed XX/XX/XXXX, and FTC Report # XXXX, filed XX/XX/XXXX ) XXXX ftc XXXX ftc XXXX. 
Fraudulent Account XXXX / XXXX ( XXXX ) Opened without my authorization in XX/XX/XXXX, reported with a fraudulent balance of {$2500.00}. 
Despite my disputes and FTC documentation, this account remains on my reports XXXX ftc XXXX. 
Fraudulent Inquiries In addition, my reports show numerous unauthorized inquiries I did not approve, including but not limited to : XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Capital XXXX / XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ftc These inquiries are clear signs of attempted fraud and must be removed. 
Legal Grounds FCRA 605B ( 15 U.S.C. 1681c-2 ) : Bureaus must block fraudulent accounts and inquiries within 4 business days of receiving an FTC Identity Theft Report.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires a reasonable reinvestigation within 30 days. Continuing to report after FTC documentation violates this section.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits furnishers ( like XXXX ) from reporting information they know or should know is the result of identity theft. 
FCRA 616617 ( 15 U.S.C. 1681n1681o ) : Provides for damages and liability when agencies fail to comply.

Requested Relief Immediate removal of the Kikoff account ( CLWRDU ) from Experian, TransUnion, and Equifax.

Immediate deletion of all unauthorized inquiries listed above.

Written confirmation that these items have been blocked and will not be reinserted without full notice under FCRA 611 ( a ) ( 5 ). 
Notification to XXXX and all other furnishers that continued reporting violates 623 and subjects them to penalties. 
Conclusion The continued reporting of these fraudulent accounts and inquiries is unlawful under the FCRA. I respectfully request the CFPB to enforce immediate compliance and ensure that Experian, TransUnion, and Equifax remove these items without delay. 
Attached : FTC Identity Theft Reports # XXXX and # XXXX XXXX ftc XXXX ftc XXXX Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Draft CFPB Complaint Statement Subject : Request for Immediate Removal of Fraudulent Account & Inquiries Identity Theft ( FTC Reports # XXXX & # XXXX ) To Whom It May Concern : I am submitting this complaint because Experian, TransUnion, and Equifax are reporting fraudulent accounts and unauthorized inquiries on my credit file despite my filing of two official FTC Identity Theft Reports ( FTC Report # XXXX, filed XX/XX/XXXX, and FTC Report # XXXX, filed XX/XX/XXXX ) XXXX ftc XXXX ftc XXXX. 
Fraudulent Account XXXX / XXXX ( XXXX ) Opened without my authorization in XX/XX/XXXX, reported with a fraudulent balance of {$2500.00}. 
Despite my disputes and FTC documentation, this account remains on my reports XXXX ftc XXXX. 
Fraudulent Inquiries In addition, my reports show numerous unauthorized inquiries I did not approve, including but not limited to : XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Capital XXXX / XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ftc These inquiries are clear signs of attempted fraud and must be removed. 
Legal Grounds FCRA 605B ( 15 U.S.C. 1681c-2 ) : Bureaus must block fraudulent accounts and inquiries within 4 business days of receiving an FTC Identity Theft Report.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires a reasonable reinvestigation within 30 days. Continuing to report after FTC documentation violates this section.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits furnishers ( like XXXX ) from reporting information they know or should know is the result of identity theft. 
FCRA 616617 ( 15 U.S.C. 1681n1681o ) : Provides for damages and liability when agencies fail to comply.

Requested Relief Immediate removal of the Kikoff account ( CLWRDU ) from Experian, TransUnion, and Equifax.

Immediate deletion of all unauthorized inquiries listed above.

Written confirmation that these items have been blocked and will not be reinserted without full notice under FCRA 611 ( a ) ( 5 ). 
Notification to XXXX and all other furnishers that continued reporting violates 623 and subjects them to penalties. 
Conclusion The continued reporting of these fraudulent accounts and inquiries is unlawful under the FCRA. I respectfully request the CFPB to enforce immediate compliance and ensure that Experian, TransUnion, and Equifax remove these items without delay. 
Attached : FTC Identity Theft Reports # XXXX and # XXXX XXXX ftc XXXX ftc XXXX Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Phone : 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 2025-09-12 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: FL

Complaint narrative:
I am submitting this complaint to demand the immediate removal of XXXX XXXX XXXX account # XXXX XXXX XXXX  from my credit reports * *. The account is being reported inaccurately, inconsistently, and can not be verified. I have previously requested both Experian and Equifax to confirm the accuracy of this account and provide documentation of verification, yet I have received no proof or documentation showing that the information was verified with XXXX XXXX XXXX. 

Because the credit reporting agencies can not provide evidence that this account is accurate, I demand that it be removed immediately. If this account is not removed, I will take legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$54000.00} Balance : {$0.00} ( loan fully paid ) Reported Closed Dates : XX/XX/XXXX ( Experian ), XX/XX/XXXX ( Equifax ) XXXX  : Removed account could not be verified Reasons for Removal Conflicting Closure Dates Experian reports the account closed on XX/XX/XXXX, while Equifax reports XX/XX/XXXX. Both can not be accurate, violating FCRA 607 ( b ) and 609 ( a ).

Contradictory Account Statuses Experian reports Paid, was past due 90 days, while Equifax reports Pays account as agreed, violating FCRA 623 ( a ) ( 1 ) ( A ).

Improper Payment History Reporting Despite being closed and paid in full, Experian continues to report multiple late payments after closure. Metro 2 guidelines prohibit continued reporting of late payments on closed accounts.

Unverifiable Reporting XXXX has already removed this account because it could not be verified. This confirms that the account can not be reliably reported. 
Experian and Equifax have failed to provide any documentation of verification despite multiple requests. 
Demand Because this account is inaccurate, unverifiable, and conflicting, I demand its immediate removal from Experian and Equifax credit reports. If removal is not completed promptly, I will take legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-12 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: The Stark Collection Agency, Inc.
State: IL

Complaint narrative:
My credit report contains multiple inaccurate, misleading, and unverifiable items in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These errors involve unauthorized inquiries, false account reporting, missing creditor details, and failures to resolve disputes in good faith. These have harmed my creditworthiness, denied me fair access to credit, and caused me emotional and financial distress. 


-- - Details of Violations : 1. Unauthorized/Improper Inquiries ( FCRA 604 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized and lack permissible purpose. 


2. Inaccurate/Misleading Accounts ( FCRA 607 ( b ) & 611 ) XXXX XXXX XXXX XXXX {$3000.00} balance against {$3000.00} limit ( 100.47 % utilization, factually impossible ). Remarks show Dispute resolved consumer disagrees, yet bureau did not include my statement of disagreement. 

XXXX  XXXX ( opened XX/XX/XXXX ) {$500.00} limit, reported account previously in dispute now resolved but my consumer dispute statement not included. 

XXXX XXXX Opened XX/XX/XXXX, {$4000.00} balance, then closed by creditor with derogatory late payments. Closing with balance remaining is misleading and suggests unverifiable reporting. 

XXXX  XXXX ( opened XX/XX/XXXX ) {$700.00} balance, closed by creditor with balance remaining, and marked with multiple late payments while simultaneously reporting closed. 

XXXX  XXXX ( opened XX/XX/XXXX ) {$810.00} balance, closed at creditors request with balance still reporting, inaccurately coded. 

Stark Collection Agency {$170.00} balance, opened XX/XX/XXXX, reporting with no original creditor listed, violating XXXX XXXX standards requiring creditor identification. 


3. Personal Information Errors ( FCRA 607 ( b ) ) My date of birth was previously listed incorrectly as XXXX. 

Address history is incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
the wrong information is reporting such as addresses and employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX Balance : {$850.00}

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
Since approximately XX/XX/year>, we have been unable to access {$11000.00} we have frozen in our U.S. Bank accounts. All our e-bills were turned away and XXXX transactions were refused . We were told we could not either withdraw our funds and bank elsewhere. I had a walk-in visit with a customer relationship consultant who tried to help ; she said she could not give us any information. I scheduled an inperson appointment with a rep at another branch ; he said the notes on my account said he couldn't help. I had a walk-in at a third branch with a branch manager/assistant VP who also tried to help. She also said she could not help and I should call the Fraud Liaison of U.S. Bank at ( XXXX ) XXXX. I have since had three such phone calls to this line. The calls alone each required close to an hour wait time to simply speak to the representative but resulted in no further information. Those on the fraud phone line tell me I must go to a branch. Those at the branches tell me I must contact the fraud line. I have done both multiple times. 

I was also told by the fraud line that there would be notes on my account with emails for branch personnel to call for information. Those at the branches say that's not the case. 

Our funds have not been available since XXXX XXXX two months and no information about what is happening or what I am supposed to do.

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 2025-09-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Self Financial Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX I opened a XXXX account with self, shortly after I changed my mind about the whole ideal. So I decided to pay it off in full {$3000.00} and close it out, As of XXXX XXXX Hopefully it would negatively report on my credit. The next day I received a email saying my pay out was XXXX XXXX  for the full amount minus any fee, then came A email saying I was being blocked and terminate and my payout will be frozen as they conduct a review which could take 90 days to complete with no further information on a date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
In XXXX  XXXX, I disputed two charges made while I was in XXXX, XXXX : Both transactions posted higher than what I authorized at the point of sale. I have receipts showing the correct amounts in euros and can demonstrate that the posted USD charges exceed what would be expected under normal XXXX XXXX ( and any disclosed fees ). 

For over two months, I received no updates at all from Apple Card/Goldman Sachs about the status, despite my follow-ups. Eventually, the disputes were denied with no explanation or supporting documentation. Throughout this extended review, I was assessed interest on the disputed amounts, which I believe is unfair and improper while an investigation is pendingespecially given the excessive delay and lack of communication. This is a scammy company/card and I would not recommend it to anyone. I will be closing this card if my dispute is not overturned, and most likely will close it anyways due to this terrible experience. 

This experience has caused financial harm and significant inconvenience. The absence of transparency and the lengthy, unexplained timeline do not meet reasonable standards for a card issuers error-resolution process. Do not get this card if you value any sort of transparency or customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Climb Credit Inc.
State: MI

Complaint narrative:
I was forced to sign a student loan with a private bank for {$12000.00} on XX/XX/year>, I asked them to return the loan and they never did, I never went to class and they don't want to return the money to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some accounts have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent accounts from my file that were opened without my permission. Please see the listed accounts below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-12 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: IL

Complaint narrative:
XXXXSome one used my information and open fraudulent account 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