vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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 filing a complaint regarding inaccurate, unverifiable, and improperly reported information on my credit file. Several accounts, collections, and hard inquiries are being reported without proper validation, without permissible purpose, or with incorrect dates and balances. 
Despite the FCRA requirements for accuracy and accountability, the following issues are present on my Consumer report : Unverified collection accounts A charge-off being re-aged Unauthorized or shotgun auto inquiries Medical collection reported without proper validation Reporting errors and inconsistent dates These issues are violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 1681i, 1681e ( b ), 1681b, and 1681s-2. 
I have disputed this information, but the bureau has failed to properly reinvestigate or validate the disputed items.

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 2025-12-03 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I am submitting this complaint because I am a documented victim of identity theft, and multiple fraudulent accounts, inquiries, and negative items are being reported on my credit file without my authorization. 

I completed an FTC Identity Theft Report and provided my identity documents and supporting evidence to the credit bureaus. I also submitted written disputes by certified mail under FCRA 605B and 611. Despite this, the credit bureaus and certain furnishers have failed to block or remove the fraudulent information as required by law. 

The items I am disputing are not mine, were opened without my consent, and were created using my stolen personal information. I have never opened these accounts, used them, or authorized anyone to open them. These fraudulent accounts are causing significant harm to my credit standing and preventing me from obtaining housing, transportation, and financial stability. 

I am requesting that the CFPB investigate and require the credit bureaus and furnishers to comply with federal law, properly process my identity theft documentation, conduct a lawful reinvestigation, and remove all fraudulent accounts, inquiries, and negative information associated with the identity theft. 

I have already taken the proper steps with the FTC and the credit bureaus, and I am requesting your assistance because the credit bureaus and furnishers are failing to correct my credit report as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-12-03 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: IL

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report : XXXX XXXX  XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, XXXX : {$100.00} XXXX - Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, XXXX : {$0.00} Inquiries : No inquiries are being disputed on my Equifax credit report. 

Late Payments : I am disputing the following late payments on my Equifax credit report : XXXX XXXX - Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX - Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On or around XXXX XXXX, XXXX XXXX and XXXX Chase reduced the credit limits on my credit card accounts without any advance notice, without any adverse change in my payment history, and without any change in my income. 

I have never missed a payment, have not had any returned payments, and have consistently maintained my accounts in good standing. My income has remained stable, and there have been no issues that would justify a sudden reduction. 

These unexpected credit limit decreases caused my credit utilization to increase dramatically from manageable levels to over 90 % utilization on multiple cards overnight which resulted in a significant negative impact on my credit score. 

I contacted both companies to request a review and reinstatement of my previous limits, but the representatives were unable or unwilling to reverse the decrease or provide a reasonable explanation for the action taken. 

I am requesting that XXXX and Chase conduct a full account review, restore the previous credit limits that were in place prior to the reductions, and correct any negative impact resulting from these actions. 

I am asking for CFPB assistance because these sudden and unexplained credit limit decreases have caused substantial financial harm and appear to have been executed without proper justification or transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

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 2025-12-03 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: PA

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

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 2025-12-03 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: VA

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-12-03 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: NC

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report : XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$370.00} XXXX XXXX XXXX  Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$11000.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1800.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$2600.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : I am disputing the following inquiries on my TransUnion credit report : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX Late Payments : I am disputing the following late payments on my TransUnion credit report : XXXX - Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX. XXXXXXXX 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 explanation
Consumer complaint received 2025-12-03 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: AZ

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 2025-12-03 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: AZ

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 2025-12-03 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: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-03 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: Kikoff Inc.
State: GA

Complaint narrative:
Dear Kickoff Compliance Team, I am writing to formally dispute an account reported by your company that appears on my credit report. The account in question, account number [ Insert Kickoff Account Number ], does not belong to me. I have never opened, authorized, or been associated with this account. 

I previously disputed this account with the credit bureau ( s ), but it was incorrectly verified as mine. This inaccurate reporting is harming my credit score and financial standing.

I am requesting the following actions immediately : 1. A full investigation into this account and its reporting.

2. Written confirmation that this account is not mine and will be removed from all credit reporting agencies.

3. Assurance that this account will not be reported or re-reported in the future under my name.

Please be advised that continued reporting of this fraudulent account constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires the removal of inaccurate information. 

I am also submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I request a written response within 30 days of receipt of this letter confirming the resolution of this issue. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I went to the Wells Fargo branch because I noticed fraudulent activity connected to my business information and needed them to verify and correct it. Instead of addressing the fraud, they tried to involve me in something completely unrelated and claimed they needed to run an internal verification that I never requested or authorized. I did not go there to open any account, change any account, or authorize any new action. I only went to verify the fraud issue, and they refused to give clear information or resolve it.

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 2025-12-03 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:
I am writing to dispute the following accounts as they do not accurately reflect my credit history. I am requesting a thorough investigation and correction of these discrepancies. Please find the details of my dispute below. 

Charged-Off Accounts XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXXXXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries 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 XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : 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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: WI

Complaint narrative:
Company : Flagship Credit Acceptance Issue : Incorrect balance calculation / refusal to provide validation What happened : Flagship is reporting a balance of {$18000.00} to all three credit bureaus, but their internal payment history contains multiple unexplained principal adjustments, misc fees, and inconsistent entries. 

I requested a full and clear payment history and validation of how they calculated the {$18000.00}. They have not provided this. I provide what I can pay and how much I get paid with proof of check stub Nd my new job acceptance letter I am requesting CFPB assistance to have Flagship supply a full validated breakdown of the balance and correct any inaccurate 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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: OR

Complaint narrative:
KeyBank on multiple has given me an overdraft fee. They dont allow their clients 24 hours to fix their account. I only have till XXXX XXXX  my husband sent me a XXXX at XXXX last night p.m. and in KeyBanks contract. Do you have till XXXX XXXX  and if its under {$20.00} they wont give me overdraft fee that is a lie and there are several other occasions and Ill get the dates and times Im going to be asking for that today and then I was able to purchase XXXX XXXX from my bank last night after fixing my account before XXXX oclock and I woke up today went to go put money in my account knowing that I had some transactions going through and what do you know I couldnt because I got a {$20.00} overdraft fee because their system say it went through at XXXX something XXXX. that is not a consumers problem that is a KeyBank problem and theyre putting it on their clients and then theyre making money off them. This has happened to me at least four times now I would like somebody to give me a call back as soon as possible. Anything I would like to make sure that nobody else gets this done to them and if theyre doing it to me, imagine the other millions of people theyre doing too daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
Please correct/update this inaccurate information on 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 non-monetary relief
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
Hello to Whom This Concerns, I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. I ask that you would immediately please remove this account from my report, they are really hurting my ability to obtain credit.

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