vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: IN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$630.00} 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, 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-02 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: CT

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX Opened XXXX XXXX Balance {$860.00} XXXX XXXX XXXX  Acct XXXX XXXX Credit limit {$400.00} Opened XXXX XXXX XXXX  Acct XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XX/XX/XXXX Dept of ED/XXXX Acct # XXXX Opened XX/XX/XXXX XXXX XXXX Acct # XXXX Balance {$4300.00} Opened XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Discharged Filing XX/XX/XXXX XX/XX/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 2025-09-02 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: MN

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 Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$9500.00} 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, XXXX as proof from the XXXX 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-02 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:
In compliance with USC 1681g, delete these accounts falsely assigned to me within 15 days.

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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I am filing a complaint regarding Bank of Americas online banking system and their handling of scheduled credit card payments and autopay.

Despite multiple attempts to enroll in automatic payments for my credit card ( to pay the full statement balance each month ), the system has been unclear and unreliable : On several occasions, the online portal displayed conflicting payment dates for my statement balance in full. For example, one screen showed my payment scheduled for one date, while another section showed the same balance scheduled for a different date.

To avoid duplicate charges, I canceled what appeared to be a duplicate scheduled payment. Instead of leaving one active payment ( which any reasonable consumer would expect ), all payments were canceled without clear notice to me.

As a result, my credit card payment was not made, causing my car insurance payment to fail, interest to accrue, and unnecessary stress.

Additionally, I received no notice to the account being passed due. No email, no call, no text. I was made aware the account was past due due to the insurance payment declined. I then became aware the account was past due on my account homepage.

I also received an email from Bank of America confirming a {$790.00} payment scheduled for XX/XX/XXXX, yet my prior statement balance was not paid as expected. 
Bank of America has sent conflicting emails advising that I have a minimum payment scheduled and confirmed.

I have contacted Bank of America customer service multiple times about these issues. The representatives could not resolve the problem, refused to escalate me to a manager, and instead offered to log a complaint without any meaningful action. One agent even asked me for account information that is already stored in my profile, which is unreasonable and unhelpful. 

This experience raises serious concerns about compliance with the Credit CARD Acts requirements for transparency and fairness. A consumer with reasonable diligence should be able to clearly understand when and how their statement balance will be paid. Bank of Americas system is confusing, misleading, and sets customers up for missed payments and interest charges.

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 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am been sued in state where I don't live. On XX/XX/year> Midland credit management filed case against me in Virginia .. I live in Maryland .. they have access to my credit report and they know that XXXXVirginia has different serving process and they didn't want me to be aware of been served and loose opportunity of responding and possibly loose the case. Account was opened XXXX XXXX ( XXXX ) statute of limitations has passed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
I am writing to dispute the presence of a hard inquiry reflected in my credit file. I did not authorize this action, nor did I submit any application that would justify such an entry. It is inaccurate and should not remain on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: OH

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 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 2025-09-02 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: SC

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
When i opened the account with TD bank XXXX, the store supervisor told me that TD will secure my funds and information. However it is not the case here. 

These are the following transactions that made from my debit card / Account without my authorization. 
Post Date Merchant Name Transaction Amount XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX XXXX {$1200.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX {$310.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX {$41.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  {$200.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX {$90.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX {$32.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX$400.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX {$500.00} I have claim number XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am truly and deeply worried because this negative account is not mine. I have been a victim of identity theft, and this fraudulent activity is destroying my peace of mind and disrupting my life in ways I never imagined. Please, I am begging you, ensure that this account is BLOCKED and REMOVED immediately, as I never opened it, used it, or authorized any activity related to it. 

What makes this situation even more painful is how I have been treated during this process. Despite my repeated attempts to explain my situation, I feel ignored, dismissed, and even mistreated by your agents. Instead of finding support or understanding, I have only experienced indifference and a complete lack of empathy, as if my suffering doesnt matter. This is truly heartbreaking. I did not ask for this. I did not authorize this account. And yet, I am being forced to carry the burden of a crime I did not commit. I urgently ask that you review this matter immediately, remove this fraudulent account from my credit report, and provide the protection and support I rightfully deserve as a victim of identity theft.the account is XXXX  XXXX, Opened in XX/XX/scrub>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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX, NY XXXX and i have wrote this report because of unauthorized negative credit accounts on my credit report. These are all false and misleading. These have hindered my credit score and it hurts my image and soul to see this. I need these accounts investigated and removed from my consumer report. I have tried to resolve this with the 3 major credit agencies ( Transunion, Experian, Equifax ) and they refuse to help me with bad business. Please help as i am looking to buy a home and take care of my family AND I CAN NOT because of credit denials. XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXXXXXX XXXX XXXX ) Account Number XXXX Date Opened : XXXX Balance : {$990.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XXXX Balance : {$140.00}, and MORE!

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 2025-09-02 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:
Under USC 1681g, these invalid accounts must be deleted from my report within 15 days.

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 2025-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: DigniFi
State: TX

Complaint narrative:
Ive asked for my account to be closed as previously I thought there was fraud on the account. XXXX  cleared things up with me and after updating my balance to {$0.00} I also asked if late payments can be removed since I previously explained my hardship asking for a little time before I would be able to pay the account in full, which I did. XXXX  declined my request and this is now the only item on my report that negatively effecting me due to hardship I experienced recovering from XXXX. With the closure of my account I also asked XXXX  to update the credit bureaus with my account status as closed which they keep making excuses for. As of XX/XX/year> I spoke to a rep named XXXX who advised me my account was closed but between then and now I have been going back and forth with XXXX  about updating XXXX XXXX. I am submitting this complaint because I am so disappointed at the professionalism and lack of customer care. They want me to do all of the leg work disputing things when my request is simple. The easily reported to the buries that I was late on payment even after I communicated my hardship yet they can not report that my account is closed. Thats not right and definitely put a horrible taste in my mouth regarding how this company handles its consumers.

Company response to consumer: Closed with explanation