vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
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 non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I have been trying to set up and register for an account with Experian for weeks. I had XXXX issues with XXXX  & XXXX. It appears someone may have tried to set up an account already. I have gone through weeks of trying to reset my password ( which I never set up ), calling every number online for Experian and you can NEVER NEVER NEVER get ahold of a live person. Experian is in charge of every persons credit information, what the XXXX is going when someone needs to get in contact with the CFPB to try and resolve an issue like this. It's ridiculous, this honestly should be a crime. The management at Experian shouldn't be involved in handling my dogs chew toy. This is so frustrating. All I want is to speak with someone to correct my account issue, HOPEFULLY there has not been any fraud, and move on from this. Someone please 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 2025-07-17 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: NY

Complaint narrative:
I'm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in 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 2025-07-18 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: UT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
Im writing to dispute an account listed on my credit report from XXXX XXXXXXXX XXXX. After carefully reviewing all three of my credit reports, Ive found multiple errors and inconsistencies related to this account that violate the Fair Credit Reporting Act ( FCRA ). 

Heres whats wrong : The reported balance of {$570.00} is higher than the original credit limit of {$300.00}, which doesnt make sense unless detailed proof of those charges exists. 
The payment history varies between credit bureaus some show months marked as current while others list the same periods as XXXX days late or charged off. 
The account is being updated every month as a charge-off, even though the default happened back in XXXX. This looks like re-aging, which is not allowed under FCRA 605 ( c ).

On Equifax, the original creditor isnt listed, which makes the entry incomplete under FCRA 609. 
Because of these reporting issues, Im asking that this XXXX XXXXXXXX XXXX account be deleted entirely from my credit file. If the account cant be fully verified with accurate and consistent information, it should not be reported. 

Ive included copies of my ID and supporting documents. Please investigate and respond to me in writing. If you cant verify the account properly, I expect it to be removed. 

Thank you for your time and attention. 

Sincerely, 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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NC

Complaint narrative:
Hey my name is XXXX XXXX and I have been getting different transactions with my chime someone hacked into my account and been using it for different transactions it took money out my account but if you look at my account it saying I didnt have funds and the purchase failed but it took money out my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-07-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: American Consumer Credit Counseling, Inc.
State: FL

Complaint narrative:
I am submitting this complaint to formally report a serious issue involving my insurance coverage, caused by a confirmed privacy breach and resulting identity theft. 

In XXXX, my personal information was exposed in a data breach at XXXX XXXX ( letter of confirmation attached ). As a result, my identity was stolen and a fraudulent insurance policy was opened in my name without my consent. This prevented me from reinstating my valid existing policy with my insurance company for the current month. 

Due to this forced lapse in coverage, my medically necessary cardiology follow-up appointment after my third XXXX XXXX was canceled. This coverage was only reinstated for the following month, leaving me with a dangerous gap in care and potential out-of-pocket medical expenses. 

Thank you for your attention and assistance. Please confirm receipt of this complaint and let me know if you require any additional information or documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 a victim of identity theft. Someone has used my personal information and opened several student loans, credit cards, auto loan car insurance etc. Ive never gave anyone permission or authorization to open these accounts without my 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 non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: GA

Complaint narrative:
I opened a Discover account on XX/XX/year>, with the intention of utilizing the XXXX feature. At the time, I was informed that I couldnt enroll in XXXX until the account had been open for 90 days. On XX/XX/XXXX, the XXXX day, I contacted Discover and spoke with a representative who confirmed that I met the requirements and advised me to wait a few more days before attempting to enroll. 
I followed this advice and waited over a week, but when I tried again on XX/XX/XXXX, I received the same error message stating I was ineligible to enroll in XXXX. I contacted customer service again, and the representative confirmed that I met all the requirements but could not determine why I was still unable to enroll. I was simply told to keep trying back at a later time. 
This lack of support and clarity is unacceptable. One of the main reasons I chose to open an account with Discover was to use XXXX, and I have successfully enrolled in XXXX with other bank accounts without any issues. This clearly indicates that the problem lies with Discovers system, not with my eligibility I am seeking prompt assistance in resolving this issue to access XXXX through my discover checking, as I have with other financial institutions. Your attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-07-17 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC XXXX XXXXeb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXXb ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
While my roommate and I were XXXX XXXX, we lived at XXXX XXXX in XXXX, CA, from XX/XX/XXXX, till XX/XX/XXXX. We were set to XXXX at the same time and cut our lease using our XXXX orders by XX/XX/XXXX. After we set that into action, they sent someone from their team to inspect the apartment. He gave us verbal approval of the inspection, and we went from there. Everything went as normal, as breaking a lease would, we signed papers releasing liability, and by the end of the month, we moved out. I return from XXXX in XX/XX/XXXX, still everything normal. In XX/XX/XXXX, a year after we moved out, we both received a phone call from collections. The phone call was from a Company I later identified as IQ Data XXXX, a debt collection agency out of DC. During the phone call, they told us we owe {$2200.00}. So I contacted my lawyer and we started working on it. That was XX/XX/XXXX. It is now XXXX, and I have repeatedly visited the leasing office asking for information. The manager is never there. The debt is now reflecting and hurting my credit quite a bit. This is causing me financial distress because my wife and I want to buy a house, but my credit has been affected drastically. I asked for proof that they gave due notice, and they said they sent a letter to my forwarding address, which they had no record of because we were XXXX. So they just sent it to our old apartment. XXXX XXXX XXXXXXXX XXXX, is managed by a company named XXXX XXXX. A company known for its wrongful acts and lack of contact information. They violated our Service members ' Civil Relief Act rights. I am a XXXX veteran and a XXXX veteran. I have struggled to find work, and financially, it is difficult to live here in XXXX California. My lawyer and I are attempting to contact the company but have been unsuccessful. My lack of paper trail for this is making it hard to even fight it. I don't know what to do. In addition, we never received back our security deposit and have received no notice saying why we didn't. I had a conversation with XXXX of the managers in XXXX, and she detailed how they replaced basically everything in the apartment and charged us for it. Floors, carpet, walls. I asked her to email it to me, and she never did. I haven't been able to catch her in her office since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
Experian has repeatedly re-inserted an account " XXXX XXXX '' and " XXXX XXXX '' onto my credit report, despite it being disputed and removed on five prior occasions. I have provided documentation of these previous removals.

This pattern of re-insertion violates the FCRA, as Experian has failed to prevent the re-reporting of inaccurate information after previous removals.

I am requesting that the CFPB investigate Experian 's practices regarding this account and ensure its permanent removal and compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the reporting by XXXX XXXX of my Secured Card account ( Account Number : XXXX - from TransUnion, or XXXX XXXX - from Equifax ). This account is inaccurately reported as 'Charged Off ' on my credit reports. 

The most egregious inaccuracy appears on my Equifax credit report ( dated XX/XX/XXXX ). While it states the account status is 'CHARGE_OFF ' and shows a 'Balance ' of {$310.00}, the 'PAYMENT DETAILS ' section explicitly states the 'Charge Off Amount ' is {$0.00}. This is a direct and irrefutable contradiction within the same report. If the charge-off amount is truly {$0.00}, the account can not simultaneously be accurately reported as a charged-off account with a {$310.00} balance. 

Furthermore, my Experian credit report for this account also shows an inconsistency, reporting ' {$310.00} written off ' yet also ' {$310.00} past due as of XX/XX/XXXX '. An account that has been written off should not simultaneously carry an active 'past due amount ' in this manner. 

I am aware this account is currently under 'CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS ' with Equifax , and was 'previously in dispute ' with Experian. The continued reporting of such fundamentally contradictory and misleading information violates the Fair Credit Reporting Act ( FCRA ), as the information is inaccurate and can not be verified consistently.

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