vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To Experian, Equifax, and TransUnion, I am writing to formally dispute multiple late payment entries reported on my credit reports by XXXX and request a thorough reinvestigation under FCRA 15 U.S. Code 1666, 1666a, 611, 623 ( a ) ( 2 ), 605 ( a ), and 609. My review of the reports reveals that the same accounts are reported inconsistently across the three credit bureaus, creating an inaccurate reflection of my repayment history and violating my right to full disclosure. For instance, my XXXX XXXX account shows a balance of {$3700.00} with last activity dated XX/XX/XXXX and late payments of 90 days in XXXX XXXX and 120 days from XXXX XXXX, as reported in Experian, whereas the corresponding accounts in Equifax and TransUnion show differing balances and last activity dates XXXX XXXX {$3700.00} last activity XX/XX/XXXX in Equifax and XXXX XXXX {$3700.00} last activity XX/XX/XXXX in TransUnion ). These discrepancies fail to meet the requirements of FCRA to report accurate, updated, and verifiable information. 
Additionally, a second set of XXXX accounts shows further inconsistencies that materially affect my credit evaluation. XXXX XXXX shows a balance of {$2000.00} with last activity XX/XX/XXXX and late 90- and 120-day delinquencies in Experian, while the corresponding Equifax account XXXX XXXX shows a balance of {$2000.00} with last activity XX/XX/XXXX and last actual activity XX/XX/XXXX, and TransUnion XXXX XXXX XXXX {$2000.00} with last activity XX/XX/XXXX. These inconsistent balances and dates of last activity violate the obligation of furnishers to correct and update information under FCRA 623 ( a ) ( 2 ) and the credit bureaus duty under 611 to reinvestigate disputes promptly, resulting in misleading credit 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 non-monetary relief
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-15 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: EQUIFAX, INC.
State: NV

Complaint narrative:
To, Equifax, and, I am reaching out because while reviewing my credit files, I discovered several serious inaccuracies that violate my protections under federal law. These issues concern my rights under FCRA 15 U.S. Code 1666 regarding the correction of billing errors, 1666a concerning creditor restrictions during disputes, FCRA 611 which requires you to conduct a proper reinvestigation, FCRA 623 ( a ) ( 2 ) which mandates furnishers to correct and update all inaccurate or incomplete information, FCRA 605 ( a ) which restricts the reporting of obsolete data, and FCRA 609 which grants me the right to a full disclosure of the documentation used to verify the reported information on my credit file.

Because these errors directly affect the accuracy and fairness of my reports, I need immediate attention and proper corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because all three major credit bureaus Experian, Equifax, and TransUnion are reporting inconsistent, inaccurate, and unverifiable information regarding the same XXXX XXXX XXXX  account, which is harming my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). Experian reports the account as XXXX XXXX XXXX XXXXXXXX with a {$520.00} balance, opened XX/XX/XXXX, listing a last payment date of XX/XX/XXXX, and shows late payments of 30 days late in XXXX XXXX, 60 days late in XX/XX/XXXX, and 30 days late in XX/XX/XXXX ; Equifax reports the same account as XXXX XXXX XXXXXXXX, also with a {$520.00} balance and the same opening date, but lists the last payment as XX/XX/XXXX, while still showing the same late-payment pattern that contradicts my records ; and TransUnion reports it as XXXX XXXX XXXXXXXX with the same balance, same opening date, and a last payment date matching Experian at XX/XX/XXXX, again with the same flawed late entries. These inaccuracies across all three bureaus violate FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy, as well as FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require furnishers to provide accurate, complete, and updated information. Additionally, these inconsistent late-payment dates contradict my actual payment history and are being reported in a manner that is misleading, unverifiable, and damaging. I attempted to resolve these issues directly with the bureaus through formal disputes, but the incorrect and conflicting information remains, demonstrating a failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) and a failure by the furnisher to properly investigate under FCRA 623 ( b ). Because the same account is being reported under different names, different last-payment dates, and incorrect late-payment dates across all three credit reports, it is clear that the reporting is unreliable and the information can not be properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I WAS A VICTIOM OF XXXX XXXX AND FRAUDULENT XXXX XXXXXXXX XXXX ACCOUNT OPENED XXXX MUST BE REMOVED FROM MY CREDIT REPORT. ALSO FOLLOWING FRUDULENT INQUIRIES MUST BE REMOVED 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 
I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

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 2025-11-15 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX * * * * - Balance : {$3500.00} - Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Late fees for added to XXXX dollars monthly payments and other fees. From XXXX XXXX to 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 2025-11-15 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXXXXXX * * * * - Balance : {$3500.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account # : XXXX * * * * - Balance : {$920.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX * * * * - Balance : {$740.00} - Date Opened : XX/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 explanation
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-15 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: AL

Complaint narrative:
XXXX XXXX XXXX has furnished false and misleading information to the credit bureaus. 
On XX/XX/year>, a consent judgment was entered in my case ( XXXX ) with a specific payment schedule. Per the judgment, my first payment is not due until XX/XX/year>. I have not missed any payment because none were due. 

Despite this, XXXX reported a new delinquency in XX/XX/year>, which is impossible and contradicts the court judgment I am uploading. 

Reporting a delinquency before the first payment due date violates the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ) 15 U.S.C. 1681i ( failure to correct inaccurate information previously disputed ) The judgment shows the payment schedule and proves that XXXX  reporting is factually incorrect and harmful to my credit standing. 

Requested Resolution : I am requesting full deletion of the XXXX XXXX XXXX account from all credit bureaus due to inaccurate, misleading, and unlawful reporting during a court-ordered settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
On XX/XX/year> my information was used for this company to get a loan. On XX/XX/year> a payment of {$85.00} was taken out of my account. I googled the company to get in contact with them. They keep transferring me to different representative so no resolution was resolved. So on XX/XX/year> another payment of {$140.00} was taken out again. I called them and they got my email and said they were going to email dispute paperwork to fill it out and fax it to the number on the form. I never received any dispute paperwork in my email. On XX/XX/year> another payment of {$140.00} was taken out again. I called and the only thing they do is keep transferring me to different customer service representatives. Then they rush to get me off the phone by claiming they sent a email and tell me to fill out dispute forms in email and they will give me a call back. So I told them I was going to file a complaint and stop payment with my bank and the representative stated its was they can go in my account and get there money. I told them why I have to pay for something I never received and she stated it doesnt matter they had my banking information and thats were they going to get the money from.

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 2025-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, my hus

band and I received the 2 attached letters, one informing us that our money transfer from another bank was accepted, then a second stating the same transfer was rejected because of suspected fraud. Immediately, I called the number provided and asked for a manager, since I could see no reason for suspected fraud. The 3 employees I talked to stated that no manager was available and one would get back to me in the next 48 business hours. When I found that our account was frozen, the next employee I talked to stated to have access to our money again, that I needed to send my driver 's license, a bank statement from the bank I had transferred the money from to show that we owned the account, and later they added a third requirement, the 2 small deposits they had made to a third bank we use, totally no connection to the money transfer at hand. I sent these items, then the " research '' department said my license looked like it had been cropped and they wanted the back of it too. I clarified that this was a legit Fl license and sent the the back. They finally unfroze our account. Being very uncomfortable regarding this process that took 3 hours of my
day going back and forth, I looked Barclays Bank reviews on XXXX. A good number of customers had many similar experiences as we did. Frozen accounts, requiring an unreasonable number of documents, etc. Also, many customers complained about fraudulent credit cards being opened, getting no help from Barclays ' employees. It certainly made me start to wonder if Barclays ' employees are using all of these customer documents fraudulently, selling customer 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 2025-11-15 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: NV

Complaint narrative:
I am submitting a formal complaint regarding the inaccurate information reported on my credit file with TransUnion. Upon reviewing my credit report, I discovered multiple discrepancies, including incorrect addresses that do not belong to me : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, NV XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX which may have been reported due to a data mix-up. I have never lived at these addresses and request that they be removed. These accounts show as late but I do not recall receiving any notices regarding such late payments, and I believe they may have been reported inaccurately. Furthermore, I found an account with XXXX XXXX XXXX XXXX ( XXXX ) marked as late closed with a balance of {$0.00}, which I believe is incorrectly reported as " late closed, '' and I request clarification and removal if found inaccurate. Finally, I noticed charge-offs listed for XXXX XXXX XXXX ( XXXX ) with balances of {$1100.00} and {$910.00}, XXXXXXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$420.00} which I believe may not be accurate, and I request verification and removal of these charge-offs if they can not be substantiated. I ask that TransUnion investigate these discrepancies and, if found to be inaccurate or unverifiable, remove or correct these entries in accordance with the Fair Credit Reporting Act ( FCRA ). I respectfully request that TransUnion provide me with the results of their investigation and an updated copy of my credit report reflecting the necessary corrections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: NV

Complaint narrative:
I am submitting a formal complaint regarding the inaccurate information reported on my credit file with TransUnion. Upon reviewing my credit report, I discovered multiple discrepancies, including incorrect addresses that do not belong to me : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, NV XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX which may have been reported due to a data mix-up. I have never lived at these addresses and request that they be removed. These accounts show as late but I do not recall receiving any notices regarding such late payments, and I believe they may have been reported inaccurately. Furthermore, I found an account with XXXX XXXX XXXX XXXX ( XXXX ) marked as late closed with a balance of {$0.00}, which I believe is incorrectly reported as " late closed, '' and I request clarification and removal if found inaccurate. Finally, I noticed charge-offs listed for XXXX XXXX XXXX ( XXXX ) with balances of {$1100.00} and {$910.00}, XXXXXXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$420.00} which I believe may not be accurate, and I request verification and removal of these charge-offs if they can not be substantiated. I ask that TransUnion investigate these discrepancies and, if found to be inaccurate or unverifiable, remove or correct these entries in accordance with the Fair Credit Reporting Act ( FCRA ). I respectfully request that TransUnion provide me with the results of their investigation and an updated copy of my credit report reflecting the necessary corrections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Well what happened is i found out my mother began using my social security number to create bank account and rent property and using my credit to pay for utilities at her home in XXXX az and I put out a fraud alert and tried disputes but I was rejected by the company and denied for whatever reason

Company response to consumer: Closed with explanation