vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), credit information must be completely accurate and truthful. Unfortunately, the accounts listed in my report are not, and this has deeply affected my life and my familys well-being. Because of these reporting errors, weve faced financial setbacks, constant stress, and emotional exhaustion. Weve missed out on opportunities for better housing and fair credit, and its been a struggle to recover from the damage caused by these mistakes. The impact has been lasting and painful, and Im asking for these inaccurate accounts to be thoroughly reviewed and permanently removed so that my record finally reflects the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
On XX/XX/XXXX a Warranty Service Contract through Ford was signed. 
The Ford Dealership never " processed '' the Service Contract, at the time of the sale nor any time in XXXX or XXXX. 
The vehicle Warranty contract services were not provided. 
The Auto Loan was paid in Full on XX/XX/XXXXXXXX  I sent a written letter to Ford/Lincoln Protect Headquarter ( XX/XX/XXXX ) no response. 
I sent a written letter to XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) no response. 
I requested a full refund as stated in Terms and Conditions. 
You can not keep customers money when good and services where not provided when youre notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-12 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: SC

Complaint narrative:
I hope this letter finds you well. I am submitting to dispute an inaccuracy on my credit report that I believe has resulted from a clerical or reporting error. Upon reviewing my credit file, I noticed that XXXX of the accounts under my name is showing as " Late XXXX  Days '' with a balance of {$200000.00}, listed under XXXX XXXX XXXX XXXXXXXX. I am requesting that this account be investigated, as I believe the late payment status is incorrect. 
Under FCRA 611 ( 15 U.S.C 618i ), I am entitled to dispute inaccurate information on my credit report. I request that you thoroughly investigate this account and provide me with evidence that the late payment status is accurate. If no such evidence exists, I ask that this late status be corrected from my credit file. 
Additionally, under FCRA 623 ( a ) ( 2 ), the furnishers of this information are required to correct and update any inaccurate or incomplete information. It is their duty to report accurate data to the credit bureaus. If the information regarding this late payment is inaccurate, I ask that it be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope this letter finds you well. I am submitting to dispute an inaccuracy on my credit report that I believe has resulted from a clerical or reporting error. Upon reviewing my credit file, I noticed that XXXX of the accounts under my name is showing as " Late XXXX  Days '' with a balance of {$200000.00}, listed under XXXX XXXX XXXX XXXXXXXX. I am requesting that this account be investigated, as I believe the late payment status is incorrect. 
Under FCRA 611 ( 15 U.S.C 618i ), I am entitled to dispute inaccurate information on my credit report. I request that you thoroughly investigate this account and provide me with evidence that the late payment status is accurate. If no such evidence exists, I ask that this late status be corrected from my credit file. 
Additionally, under FCRA 623 ( a ) ( 2 ), the furnishers of this information are required to correct and update any inaccurate or incomplete information. It is their duty to report accurate data to the credit bureaus. If the information regarding this late payment is inaccurate, I ask that it be corrected.

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 2025-11-12 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: SC

Complaint narrative:
Both XXXX  and TransUnion have misrepresented the resolution of my dispute regarding XXXX XXXX XXXX. After my dispute submitted on XX/XX/year>, both credit bureaus moved the account out of the Collections section but kept it listed under Closed Accounts.

In addition, both bureaus have repeatedly updated the account with the remark consumer dispute after resolution, which is false and misleading. I am the original filer of the dispute not someone disputing after resolution. This notation inaccurately implies I reopened the dispute following a valid resolution when, in reality, no valid resolution ever occurred. The account remains unverifiable and was never properly validated by XXXX XXXX XXXX. 

This is misleading and violates FCRA 611 ( a ) ( 5 ) ( A ), which requires the deletion of unverifiable information not reclassification. I have never had a direct account with XXXX XXXX XXXX, and therefore listing this as a closed account is factually false and continues to damage my credit. 

Additionally, both bureaus are inaccurately reporting a collection account as a closed account, which violates Metro 2 credit reporting standards and the Fair Credit Reporting Act. Collection agencies do not maintain open or closed accounts those designations are reserved for original creditors. XXXX XXXX XXXX is a third-party debt collector and can not legally report this tradeline as closed. 

Reporting the tradeline in this format falsely suggests I had a direct credit relationship with XXXX XXXX XXXX, which I did not. This misrepresents the legal nature of the debt and misleads creditors and scoring systems. Under FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ), unverifiable or inaccurately reported information must be deleted, not reclassified. 

I am requesting that Equifax and TransUnion immediately and permanently delete this XXXX XXXX tradeline and that the CFPB investigate XXXX XXXX XXXX for continuing to furnish unverifiable or misleading data. 

I am also including Experian in this complaint, as they are currently reporting or investigating the same XXXX XXXX tradeline. Experian is hereby notified that if they follow the same unlawful reclassification as Equifax and TransUnion, that action will also constitute violations under FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ).

The purpose of this complaint is to ensure that all three credit bureaus follow a lawful and accurate resolution complete deletion of the XXXX XXXX XXXX tradeline. 

If these violations are not corrected promptly, I plan to pursue civil legal action for each violation, as the continued false reporting and improper reclassification of a collection account constitute a serious breach of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
Some establishment by the name XXXX whatever hack into my account and sent payment to him self and others.. This took place on XX/XX/XXXX around XXXX XXXX he withdrew over XXXX no matter How much attempts I tried to get back my money it never happen.. I called XXXX  XXXX  several times and no one was successful in helping! This business left me broke! Took what I was saving! All I want is my money back! The are calling people phone like they are a disputing company for chime and there not! I had someone hack me through chime..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
The company name is AVANT CREDIT CARD SERVICES ( PHONE NUMBER XXXX ) ) account credit card number is ( ( XXXX ) ) exp ( XX/XX/XXXX ) ) ) 3 digit code is ( ( XXXX ) ) ) Since XX/XX/XXXX I have have fraud charges to my account close to XXXX dollars 3 times total .. First, in XXXX of XXXX  for close to XXXX dollars from someone called XXXX ( I DO NOT KNOW THEM ... They never replaced money after I filed a claim for fraud ... Instead they closed the card issued another one .. AS< SOON as I activated the new card within 24 hours the same company went in and charged another XXXX dollars, after not replacing the first XXXXXXXX XXXX  Then, I closed that card and requested a third card and, this time, they charged another XXXX dollars within 24 hours again XXXX XXXX no, I explained to them this has to be an inside job, I haven't used your for almost a yearXXXX  Avant credit services has refused to refund close to XXXX dollars of fraud charges.. Yet, they continue to bill me every month with interest for an amount I never used!!! I ask them, Please look up videos, they have noneXXXX  In fact, I have not used this card in almost a year but have closed and opened 3 cards and the same XXXX  people keep charging my card, even after a new card comes .. Also, after I activate the new card the charges immediately appear all over again.. Therefore, I am paying interest and a bill for charges that I have never made.. They have never given me any credit, one time they did and took it back >> This company is a fraud, fake and criminal interprise.. Please investigate ( XXXX XXXX Phone number is XXXX ) ) ) I upset, I am paying a bill that I did not create and Avant has refused to return my money.... This company needs to be investigated ASAP Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-12 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: GA

Complaint narrative:
I am submitting this complaint to request a correction to the following accounts on my credit report, as they do not belong to me, nor have I ever been associated with them. I have always been diligent in maintaining a healthy credit history, and the information currently reported is not only inaccurate but also damaging to my creditworthiness. 
The first account in question is a XXXX XXXX, with a reported balance of {$400.00} and a date of last activity on XX/XX/XXXX. This account is marked as being 30 days late in XX/XX/XXXX, specifically on the XXXX, but I have no knowledge of this account or any transactions associated with it. 
The second account is listed under XXXX XXXX XXXX, showing a balance owed of {$310000.00} with a last activity date of XX/XX/XXXX. According to the report, this account was also marked as 30 days late in XX/XX/XXXX, specifically on the XXXX, but again, I have no affiliation with this account, and this debt does not belong to me. 
Lastly, there is a XXXX XXXX account with a reported balance of {$280.00}, last active on XX/XX/XXXX. This account is indicated as 30 days late in XX/XX/XXXX, specifically on the XXXX, but I have never had any dealings with this account. 
Upon reviewing my records and bank statements, I can confirm that I have no prior knowledge of these accounts, and I believe they may have been mistakenly attributed to me due to either a clerical error or identity confusion. I request that these accounts be thoroughly investigated and corrected at your earliest convenience.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any information in my credit report that is incomplete, inaccurate, or unverifiable. In accordance with this law,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint to request a correction to the following accounts on my credit report, as they do not belong to me, nor have I ever been associated with them. I have always been diligent in maintaining a healthy credit history, and the information currently reported is not only inaccurate but also damaging to my creditworthiness. 
The first account in question is a XXXX XXXX, with a reported balance of {$400.00} and a date of last activity on XX/XX/XXXX. This account is marked as being 30 days late in XX/XX/XXXX, specifically on the XXXX, but I have no knowledge of this account or any transactions associated with it. 
The second account is listed under XXXX XXXX XXXX, showing a balance owed of {$310000.00} with a last activity date of XX/XX/XXXX. According to the report, this account was also marked as 30 days late in XX/XX/XXXX, specifically on the XXXX, but again, I have no affiliation with this account, and this debt does not belong to me. 
Lastly, there is a XXXX XXXX account with a reported balance of {$280.00}, last active on XX/XX/XXXX. This account is indicated as 30 days late in XX/XX/XXXX, specifically on the XXXX, but I have never had any dealings with this account. 
Upon reviewing my records and bank statements, I can confirm that I have no prior knowledge of these accounts, and I believe they may have been mistakenly attributed to me due to either a clerical error or identity confusion. I request that these accounts be thoroughly investigated and corrected at your earliest convenience.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any information in my credit report that is incomplete, inaccurate, or unverifiable. In accordance with this 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 non-monetary relief
Consumer complaint received 2025-11-12 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: AR

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AL

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 2025-11-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance : {$20000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance : {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
Payment History show that I have missed or had late payments. Please remove any late payment from my credit 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