vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: NY

Complaint narrative:
I am submitting this follow-up complaint because Experian, Equifax, and TransUnion continue XXXX report inaccurate, unverifiable, and unauthorized information on my credit reports, despite my prior disputes and requests for correction. These ongoing errors continue to damage my credit reputation and misrepresent my financial history. 
Inaccurate and Unrelated Addresses The following addresses are still incorrectly reported on my credit file : XXXX 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 XXXX I have never resided at these locations. Their continued reporting violates FCRA 607 ( b ) ( reasonable procedures to ensure maximum accuracy ) and FCRA 611 ( a ) ( duty to correct or delete inaccurate information ).

Inaccurate or Misleading Accounts The following accounts remain inaccurately reported : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, still reported negatively. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, incorrectly impacting my credit. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, inaccurately reported. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, incorrectly affecting my file. 
* XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$4800.00}, unverifiable. 
XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) Balance Owed : {$420.00}, unverifiable and inaccurate. 
These accounts either reflect {$0.00} balances but continue to appear negatively, or they are unverifiable. This violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information known to be inaccurate. 
Unauthorized Inquiries The following inquiries remain on my file without my authorization : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> Under FCRA 604 ( a ) ( 3 ), credit reports may only be accessed for a permissible purpose. These inquiries were not authorized and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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 am submitting this follow-up complaint because Experian, Equifax, and TransUnion continue XXXX report inaccurate, unverifiable, and unauthorized information on my credit reports, despite my prior disputes and requests for correction. These ongoing errors continue to damage my credit reputation and misrepresent my financial history. 
Inaccurate and Unrelated Addresses The following addresses are still incorrectly reported on my credit file : XXXX 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 XXXX I have never resided at these locations. Their continued reporting violates FCRA 607 ( b ) ( reasonable procedures to ensure maximum accuracy ) and FCRA 611 ( a ) ( duty to correct or delete inaccurate information ).

Inaccurate or Misleading Accounts The following accounts remain inaccurately reported : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, still reported negatively. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, incorrectly impacting my credit. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, inaccurately reported. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, incorrectly affecting my file. 
* XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$4800.00}, unverifiable. 
XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) Balance Owed : {$420.00}, unverifiable and inaccurate. 
These accounts either reflect {$0.00} balances but continue to appear negatively, or they are unverifiable. This violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information known to be inaccurate. 
Unauthorized Inquiries The following inquiries remain on my file without my authorization : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> Under FCRA 604 ( a ) ( 3 ), credit reports may only be accessed for a permissible purpose. These inquiries were not authorized and must be removed.

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 2025-09-13 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: AZ

Complaint narrative:
Complaint Against : Equifax Information Services LLC Issue : Improper reporting of identity theft / failure to block fraudulent information under FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Details : My personal information was compromised in the Equifax data breach ( XXXX XXXX : XXXX ). Since then, fraudulent information has appeared on my Equifax credit file. I submitted a dispute letter with proof of identity theft, but Equifax has failed to properly block and remove the fraudulent items. 

The following are not mine and are the result of identity theft : Ally Financial inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX via Dealer inquiries XX/XX/XXXX & XX/XX/XXXX Bankruptcy Case # XXXX Filed XX/XX/XXXX, Reported XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ) Under 15 U.S.C. 1681c-2, Equifax is required to block this fraudulent information within 4 business days of receiving proper notice. They have not complied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: NE

Complaint narrative:
XXXX, Today Cash, Sunny Day, XXXX XXXX, XXXX XXXX XXXX XXXX I have payday loans and now I am underwater trying to repay just the minimums. I started the loans last fall around XXXX XXXX XXXX I have XXXX of them but have pain on all of them, most likely have repaid the principle for sure. In total it is about {$8000.00} ( principle without interest ). I ended up usinXXXX XXXX XXXX a debt settlement company to pay back what I owe however they are not very good at communicating with me where I am at with negotiating lower repayment to the lenders and I am paying over {$1000.00} a month. I live in Nebraska so I am not sure that the loans I received are even legal. Can you give me any insight? I feel like I am drowning. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
Company : Equifax Information Services, LLC Complaint Narrative : I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

The account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my Equifax credit file. Initially, the account was reported under the wrong name, XXXX XXXX. After my dispute, Equifax only corrected the name to XXXX XXXX XXXX, but the account is still reported with the address and phone number of XXXX XXXX, not XXXX XXXX XXXX 

This demonstrates that Equifax did not conduct a reasonable investigation as required by law. A proper reinvestigation would have required Equifax to obtain and provide documentation verifying the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.

To date, there is only a paper trail of dispute letters and CFPB complaints, but no meaningful reinvestigation has been conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because the account reported by XXXX XXXX XXXX XXXX XXXX XXXX  is being reported inaccurately and inconsistently across the three credit bureaus ( Equifax, XXXX XXXX XXXX  ). This account was closed in 2019, shows a {$0.00} balance, and has been paid, yet it continues to report derogatory or late payment information. 

The problems include : Multiple account variations : My reports show this same account under slightly different names and account numbers across the XXXX bureaus, making it unmatchable and unverifiable. 
Conflicting last activity/closure dates : XXXX  lists XX/XX/year>, Equifax lists XX/XX/year>, while XXXX  also shows different activity dates. These discrepancies violate FCRAs accuracy requirements. 
Payment history inconsistencies : One bureau shows 50 % on-time history, another 60 %, another 97 %. The same months are being reported differently ( for example, XXXX XXXX  show varying late statuses depending on bureau ). 
Closed account still showing derogatory status : Despite being closed with {$0.00} balance, the bureaus continue to show late payments and derogatory history, which is misleading and materially inaccurate. 
Contradictory remarks : Some reports show Paid from Collateral, while others state As Agreed. These contradictions further prove the data is not consistent or reliable.

Under the Fair Credit Reporting Act ( FCRA 607 ( b ) & 611 ( a ) ), consumer credit reporting must be accurate, consistent, and verifiable. Because of the multiple discrepancies, this account is unverified and inaccurate. Correction is not acceptable, as the account continues to reappear differently across bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: VA

Complaint narrative:
I am sending to formally dispute inaccurate information on my Experian and Equifax credit report concerning my student loan accounts reported by XXXX. 

Upon reviewing my credit report, I noticed that XXXX separate entries are listed under the same loan number. However, these entries reflect different balances and opening dates, which is both confusing and misleading. This appears to be a duplication error. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$52000.00} Date Opened : XX/XX/year> MXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$61000.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear TransUnion, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX 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 2025-09-13 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Hey I received from XXXX XXXX XXXX XXXX XXXXXXXX credit card XXXX  report XX/XX/2025 I have account from this bank and charged me XXXXXXXX XXXX for me I dont have any credit card with this credit card and I am not using any credit line because I dont apply for credit with milestone and Im not receiving any payment physical credit card to I activate the card Im not understanding what happened I want to contact the police about this problem but really if can help to close it the account because not mine and remove the report from my own account please thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: IL

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous \ninaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on \ntime, yet the way some accounts are being reported is inconsistent, misleading, and in several cases \nunverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et \nseq., and I request a thorough reinvestigation of the following itemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-13 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: MA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank Customer Service XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Complaint Regarding Unauthorized Transaction and Negative Balance Dear Chase Bank Customer Service , I am writing to formally dispute and request investigation regarding an unauthorized transaction and subsequent negative balance on my checking account card ending in XXXX. 

Here are the details of the issue : On XX/XX/year>, I rented a vehicle with a confirmed charge of {$230.00}, which was correctly processed on my card ending in XXXX. 
On XX/XX/year>, I lost my card and reported it as lost to Chase on XX/XX/year>. 
Despite this, on XX/XX/year>, a charge of {$1700.00} was posted to my account from the same rental company, even though the original card ending in XXXX had already been reported lost and should no longer have been available for transactions. 

This charge caused my account to go into a negative balance of - {$810.00}, which is highly concerning for several reasons : 1. I did not authorize or approve this transaction.

2. My card ending in XXXX had already been reported lost and should have been deactivated.

3. Chase normally declines purchases when there are insufficient funds in my account ( e.g., at gas stations or retail purchases ), so I question why such a large unauthorized charge was processed without my consent.

4. I was not notified in advance or asked to approve this overdraft, which directly impacted my finances. 

Based on the above, I believe this is a bank processing/security failure rather than an error on my part. I am therefore requesting : A full reversal of the {$1700.00} unauthorized charge.

Immediate correction of the XXXX negative balance caused by this incident. 
Written confirmation that I am not held responsible for these funds. 
An explanation of how this charge was processed despite the card being reported lost and with insufficient account balance. 

I trust Chase values its customers security and will treat this matter with urgency. Please consider this a formal dispute under the Fair Credit Billing Act ( FCBA ) and Electronic Fund Transfer Act ( EFTA ).

If I do not receive a timely resolution, I will have no choice but to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and sharing my experience publicly. 

Thank you for your prompt attention to this serious matter. I look forward to a written response within 10 business days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: MA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: MA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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