vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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:
In XX/XX/year>, I identified multiple fraudulent accounts and hard inquiries on my credit reports that I did not authorize. These appeared after the Equifax Data Breach, in which my personal information was compromised. I have an FTC Identity Theft Report ( # XXXX ) on file documenting this theft. 

I promptly submitted detailed disputes to [ Experian / TransUnion / Equifax ], including the FTC report, proof of the Equifax breach, and a list of all fraudulent accounts and inquiries. Despite providing clear and indisputable evidence, the credit bureau failed to block and delete the fraudulent information as required by the Fair Credit Reporting Act ( FCRA ) 605B within 4 business days.

Their continued reporting of this fraudulent data violates the FCRA ( 605B, 611, and 623 ) and demonstrates willful noncompliance. This has caused ongoing harm to my creditworthiness and financial opportunities. I am requesting immediate deletion of all fraudulent accounts, inquiries, and any related negative information from my file, along with confirmation in writing.

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 2025-08-11 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: MD

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 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 2025-08-11 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-11 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Venmo credit card compnay issued me a replacement card on XX/XX/year> then closed my account wiothout my knowledge on XX/XX/year>. 

The cedit card was stolen XX/XX/year> and I called about getting a replacement card and cancelling the original card. 

When I tried to activiate the new Venmo credit card on XX/XX/year>, the automated system kept disconnecting me after 2-3 minutes of verifications. The system never stated my account was closed.

When I called customer service they told me the account was closed XX/XX/year>. 

Furthermore, when I made a large {$3500.00} payment in XX/XX/year>, Venmo held the payment for 3 weeks, before it was credited to the account, Venmo said it was due to the amount of the payment. I told them I would not have made the large payment if I would have know I could not use the card for over 2 weeks. 

The fraud I reported on XX/XX/XXXX is still on my account balance and I am unable to login due to replacing my phone with a new phone number, the 2 factor authentication will not let me sign in to see my account and I do not get phsyical statements in the mail. I have no knowledge of whet is going on with my account and Venmo customer service disconnected on me after 10 minutes.

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 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
on XX/XX/year>, the vehicle broke down on the side of the road. I contacted the loan company to let them know what was going on. In the email correspondence I stated that I was open to trading in the vehicle to get another one or I can turn the vehicle in and go somewhere for a car. Between XX/XX/XXXX, XXXX XX/XX/year>, there was email correspondence to my case manager about the whereabouts of the car. After the vehicle was located, I did not receive any more correspondence from the loan company. On XX/XX/year>, I wrote a letter to loan company about wanting to voluntarily surrender the car do to constant mechanical issues and financial hardship. I got no response. On XX/XX/year>, I mailed a letter asking for a follow up on the letter I sent on XX/XX/year>. Again, no response. On XX/XX/year>, I sent out a final attempt letter pertaining to voluntarily surrendering the vehicle. That letter also went ignored. Due to lack of communication, I assumed that they had the vehicle, and I just wanted to hear anything back. This is my first time ever dealing with something like this. Last month I received notification from my credit report stating that North State Acceptance was reporting late payments to my account. I tried calling the company. I was told someone would call me back. I never got a call back. Just last month, XX/XX/year>, I received a notification that North State Acceptance had placed my account in Charge-Off status. Then today, XX/XX/year>, I receive an email from an account adjuster stating that they wanted to present to me a settlement offer. I am confused by this cause all of my correspondences had went unanswered, I did not receive a notice that the car was being sold or that it had been sold. I did not receive a notification of whether or not a deficiency balance was owed. There has been no communication from North State Acceptance about the status of the car or loan since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CBC Companies, Inc.

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
In XX/XX/year>, I identified multiple fraudulent accounts and hard inquiries on my credit reports that I did not authorize. These appeared after the Equifax Data Breach, in which my personal information was compromised. I have an FTC Identity Theft Report ( # XXXX ) on file documenting this theft. 

I promptly submitted detailed disputes to [ Experian / TransUnion / Equifax ], including the FTC report, proof of the Equifax breach, and a list of all fraudulent accounts and inquiries. Despite providing clear and indisputable evidence, the credit bureau failed to block and delete the fraudulent information as required by the Fair Credit Reporting Act ( FCRA ) 605B within 4 business days.

Their continued reporting of this fraudulent data violates the FCRA ( 605B, 611, and 623 ) and demonstrates willful noncompliance. This has caused ongoing harm to my creditworthiness and financial opportunities. I am requesting immediate deletion of all fraudulent accounts, inquiries, and any related negative information from my file, along with confirmation in writing.

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 2025-08-11 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: IL

Complaint narrative:
In XX/XX/year>, I identified multiple fraudulent accounts and hard inquiries on my credit reports that I did not authorize. These appeared after the Equifax Data Breach, in which my personal information was compromised. I have an FTC Identity Theft Report ( # XXXX ) on file documenting this theft. 

I promptly submitted detailed disputes to [ Experian / TransUnion / Equifax ], including the FTC report, proof of the Equifax breach, and a list of all fraudulent accounts and inquiries. Despite providing clear and indisputable evidence, the credit bureau failed to block and delete the fraudulent information as required by the Fair Credit Reporting Act ( FCRA ) 605B within 4 business days.

Their continued reporting of this fraudulent data violates the FCRA ( 605B, 611, and 623 ) and demonstrates willful noncompliance. This has caused ongoing harm to my creditworthiness and financial opportunities. I am requesting immediate deletion of all fraudulent accounts, inquiries, and any related negative information from my file, along with confirmation in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
Inconsistent Account Type - TransUnion : " Open account '' - Experian : " Collection '' These are two fundamentally different account types. A collection account should not be listed as " open '' this inconsistency can be disputed as inaccurate reporting. 

Reporting Without Complete Information ( XXXX  )- XXXX  : Not reporting this account at all.

If the debt is valid and being reported by two bureaus, it would usually be reported to all three. This discrepancy suggests an issue with the completeness or legitimacy of the reporting.

Discrepancy in Status / Resolution Comments- TransUnion : Dispute resolved reported by grantor - Experian : Account information disputed by consumer under the FCRA These comments contradict one another. Either the dispute is resolved, or its still disputed.

Date Inconsistencies- Date Last Active : - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX This is a major inconsistency one shows recent activity, the other shows none in over 3 years.

Lack of Proof of Ongoing Collection - No monthly payment amount.

- No recent payment activity.

- No collection agency contact.

These omissions make the debt difficult to verify and could qualify as " unverifiable '' under the Fair Credit Reporting Act ( FCRA ).

This account was CHARGED OFF on the following date ( XX/XX/XXXX ). Since then, the account has repeatedly been updated as CHARGED OFF every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXXXXXX Account No : XXXX ( see attached )

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 2025-08-11 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: NY

Complaint narrative:
I XXXX XXXX disputed XXXX XXXX XXXX XXXX debt requesting a writing signed contract of total itemize amount in question on XXXXXXXX XXXX todays date is 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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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 2025-08-11 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to remove the account and hard inquires off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: OH

Complaint narrative:
I am writing to dispute certain information in my credit file as provided to me by your agency. This dispute is being made pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. 
The following accounts are being reported inaccurately and can not be verified by me : XXXX XXXX Account Number : XXXX Amount : {$0.00} XXXX Account Number XXXX XXXX Amount : {$0.00} XXXX XXXX  Account Number : XXXX Amount : {$0.00} XXXX Account Number : XXXX Amount : {$0.00} XXXX  Account Number : XXXX Amount : {$0.00} These accounts are being reported with balances of {$0.00}, yet they remain on my credit file. This is misleading, inaccurate, and does not provide a fair and accurate representation of my credit history. Under the FCRA, you are required to report only information that is complete and correct, and to delete or correct any unverifiable, outdated, or inaccurate entries. 

Please conduct a full investigation into these accounts. If the furnishers of this information can not provide proper documentation verifying that these accounts are accurate and belong to me, I request that these accounts be deleted immediately from my credit report.As required by the FCRA, please respond to my dispute within 30 days of receipt of this letter, and provide me with the updated results of your investigation in writing.I have enclosed a copy of my government-issued ID and proof of address to assist with verification of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Inconsistent Date of Last Activity - TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Contradictory Date of Last Payment - TransUnion & Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Inconsistent Payment Status - TransUnion : Charged off as bad debt - Experian : Charge-off - Equifax : Charge-off, CHARGED OFF ACCOUNT FIXED RATE Different Last Reported Dates - TransUnion & Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Inconsistent High Credit and Credit Limit - TransUnion & Equifax : High Credit is {$10000.00} - Experian : No high credit listed at all - Credit Limit : {$0.00} on TransUnion, no data for Experian or Equifax Redundant or Damaging Comments- TransUnion : Profit and loss writeoff - Equifax : CHARGED OFF ACCOUNT FIXED RATE Potential FCRA Violation : Re-aging of Debt The Date of Last Activity being in XXXX for a payment that happened in XXXX ( or XXXX on Equifax ) could imply re-aging the account to keep it on your report longer a serious violation of the FCRA. 

This account was CHARGED OFF on the following date ( XX/XX/XXXX ). Since then, the account has repeatedly been updated as CHARGED OFF every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights.

Company response to consumer: Closed with non-monetary relief