vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}

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

Complaint narrative:
Im still seeing inaccurate accounts on my credit report, and they have not been removed. Because of this ongoing issue, I am requesting a thorough review of the documents Ive submitted so I can finally have peace of mind.

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

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-08 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: FL

Complaint narrative:
On XX/XX/year>, I received the results of an online dispute I filed with TransUnion and Equifax and Experian regarding an account reported by XXXX XXXX XXXX, XXXX ( XXXX ) for {$12000.00}. 

My dispute was not about whether the account exists or whether the balance amount was correct, my dispute was that the loan funds were disbursed without my valid consent, based on a XXXX of XXXX I did not knowingly sign or authorize. This is a core issue of account legitimacy and authorization, not just payment history. 

In my online dispute, I specifically stated that XXXX released the funds without proper authorization and referenced that this matter is already the subject of an active CFPB complaint against XXXX. 

The dispute result from TransUnion simply stated that the account was verified as accurate in balance and status. The same was true for exportable and equifax It did not address or investigate my central dispute point, whether the completion certificate was valid and the disbursement was authorized. 

This appears to be a failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). TransUnion did not address the actual nature of my dispute, and XXXX failed to meet its duty as a furnisher under FCRA XXXX ( b ) to investigate all elements of the dispute and provide accurate, complete 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 non-monetary relief
Consumer complaint received 2025-08-08 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:
When I looked at my credit report today, I was surprised to see inaccurate accounts showing up, and I have no clue where they came from. I regularly check my report, and everything was fine until now. I refreshed my browser thinking it might resolve the problem, but nothing changed. Thats why Im urgently requesting that the documents Ive sent be carefully examined so I can put this behind me once and for all.

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 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/year> I bought a new car at XXXX XXXX XXXX in XXXX Arkansas. I was told I had a XXXX XXXX XXXX from TransUnion by the dealership. 
My interest rate is XXXX XXXX. My car cost {$31000.00}. My payment 's are {$870.00} a month. For XXXX XXXX 
( XXXX XXXX XXXX ) {$62000.00} I have a XXXX credit XXXX TransUnion XXXX of today. The dealership and Capital one auto finance told me to refinance the car. I haven't had it XXXX weeks. The dealership told me I wasn't approved for a different car, that was cheaper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Identity Theft : I am listed as cosigner on a loan that was charged-off by Service Finance Co XXXX XXXX XXXX, XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX, made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX, ( XXXX ) XXXX. Never heard of this person, never been to XXXX XXXX, do not know anyone from there. I have lived in my house in Louisiana for 32 years, do not cosign loans, my husband has been deceased for 20 years ( XXXX XXXX XXXX ). I am XXXX XXXX XXXX. My social security number was hacked in a data breach somewhere and is listed on this loan. I only found out about this fraud in XXXX of this year, XXXX, as a result of my XXXX XXXX being lowered without any known reason. The finance company refuses to give me information or return my phone calls or email. This was given a case number XXXX by the mother company, XXXX Bank, and assigned to XXXX XXXX at XXXX XXXX Co. Her phone is ( XXXX ) XXXX and her email is XXXX. She will not return my calls or my email. I have alerts on all XXXX credit bureaus, have reported to the Fed XXXX XXXX, the XXXX XXXX XXXX in XXXX XXXX, local law enforcement, XXXX XXXX XXXX XXXX, with no help from anyone. I do not know what else to do. I also sent a letter to XXXX XXXX. The loan was made XX/XX/XXXX and charged-off XX/XX/XXXX, with no payments ever made on the loan. Charge-off amount was {$41000.00}.

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 non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Identity Theft : I am listed as cosigner on a loan that was charged-off by Service Finance Co XXXX XXXX XXXX, XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX, made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX, ( XXXX ) XXXX. Never heard of this person, never been to XXXX XXXX, do not know anyone from there. I have lived in my house in Louisiana for 32 years, do not cosign loans, my husband has been deceased for 20 years ( XXXX XXXX XXXX ). I am XXXX XXXX XXXX. My social security number was hacked in a data breach somewhere and is listed on this loan. I only found out about this fraud in XXXX of this year, XXXX, as a result of my credit score being lowered without any known reason. The finance company refuses to give me information or return my phone calls or email. This was given a case number XXXX by the mother company, XXXX Bank, and assigned to XXXX XXXX at XXXX XXXX Co. Her phone is ( XXXX ) XXXX and her email is XXXX. She will not return my calls or my email. I have alerts on all XXXX credit bureaus, have reported to the Fed XXXX XXXX, the XXXX XXXX XXXX in XXXX XXXX, local law enforcement, XXXX XXXX XXXX XXXX, with no help from anyone. I do not know what else to do. I also sent a letter to XXXX XXXX. The loan was made XX/XX/XXXX and charged-off XX/XX/XXXX, with no payments ever made on the loan. Charge-off amount was {$41000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Identity Theft : I am listed as cosigner on a loan that was charged-off by Service Finance Co XXXX XXXX XXXX, XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX, made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX, ( XXXX ) XXXX. Never heard of this person, never been to XXXX XXXX, do not know anyone from there. I have lived in my house in Louisiana for 32 years, do not cosign loans, my husband has been deceased for 20 years ( XXXX XXXX XXXX ). I am XXXX XXXX XXXX. My social security number was hacked in a data breach somewhere and is listed on this loan. I only found out about this fraud in XXXX of this year, XXXX, as a result of my XXXX XXXX being lowered without any known reason. The finance company refuses to give me information or return my phone calls or email. This was given a case number XXXX by the mother company, XXXX Bank, and assigned to XXXX XXXX at XXXX XXXX Co. Her phone is ( XXXX ) XXXX and her email is XXXX. She will not return my calls or my email. I have alerts on all XXXX credit bureaus, have reported to the Fed XXXX XXXX, the XXXX XXXX XXXX in XXXX XXXX, local law enforcement, XXXX XXXX XXXX XXXX, with no help from anyone. I do not know what else to do. I also sent a letter to XXXX XXXX. The loan was made XX/XX/XXXX and charged-off XX/XX/XXXX, with no payments ever made on the loan. Charge-off amount was {$41000.00}.

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 2025-08-08 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: NJ

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Dear CFPB I am writing to formally dispute an account that is being reported under my name and personal information. I have noticed that a company is attempting to collect payment for an account I do not recognize, associated with unknown addresses that do not belong to me and have never been my residence. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report and to request its removal if found to be unverifiable or false.

I am requesting the following actions be taken immediately : 1. Investigation and full removal of the unauthorized account from my credit report.

2. Removal of all negative feedback and remarks associated with this account.

3. A formal letter sent to the company in question, instructing them to cease collections and remove any inaccurate data reported to the credit bureaus.

4. Written confirmation from your office once the account and all negative information have been removed.

Please consider this a formal dispute and take the necessary steps to ensure that my credit report reflects accurate and truthful information only. 

Thank you for your prompt attention to this matter. I expect to hear back within the XXXX  days as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Date of Birth : XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00}

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for a {$500.00} new checking account cash bonus with qualifying condition of {$7500.00} in direct deposits. I met the condition for qualifying direct deposits. The bank closed my account one day before the bonus was supposed to be paid without any warning or notification to me. Furthermore, i can not access any past historical records of my account.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-08 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: NM

Complaint narrative:
In XX/XX/year> I authorized an ACH transferred to a locally owned, reputable storefront to make XXXX T-shirts for my business. I paid {$1100.00} for the service. I was promised completion date of XX/XX/year>, and I never received anything. I contacted the merchant in excess of XXXX times over email, phone and visits to his store and I was never able to receive a response until I threatened the merchant with a fraud claim. The merchant then responded by stating your money has been refunded. Please speak to your bank.. So I filed a dispute with my bank and it has been closed XXXX times in less than 30 days without any investigation whatsoever. US Bank is maintaining that I authorize the transaction and therefore I am not entitled to any refund despite the written proof, I have to the contrary. US Bank has stolen my money.

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