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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
wrong information on my credit report. someone else information. not mine

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
RE : FORMAL FCRA DISPUTE VALIDATION OF DEBT DEMAND ACCOUNTS UNAUTHORIZED INQUIRIES INTENT TO SUE FOR {$10000.00}

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This CFPB complaint has been filled to request pursuant to FCRA s 605 B ( 15 U.S.C. s 1681c - 2 ) that you, the TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This Fraudulent, inaccurate and false information consists of personal account and several fraudulent inquiries ( XXXX XXXX XXXX and XXXX XXXX XXXX ). I've attached a list of the hard inquiries that are fraudulent that need to be deleted and a attached copy of my FTC report as well.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I am writing to report a potential case of identity theft and to request assistance in this matter. 
On XX/XX/year>, I received a letter from Discover Credit Card XXXX dated XX/XX/year>, stating that they had recently received a credit card application using my name and Social Security number. The letter advised me to contact them if I did not apply for the credit card. 
I immediately contacted Discover at XXXX and spoke with a representative named XXXX. She confirmed that the application was not initiated by me and advised me to place a fraud alert with all major credit bureaus. 
At this time, I am unsure whether the individual committing this fraud has opened any other lines of credit in my name. I am deeply concerned about the potential misuse of my personal information and the impact this may have on my credit and financial security.

I am requesting the CFPBs assistance in investigating this matter and ensuring that appropriate measures are taken to protect my identity. Additionally, I would like to submit this as a formal complaint against the fraudulent activity involving my personal information. 
Please let me know what steps I need to take next and if any documentation is required from my end. 
Thank you for your attention to this urgent matter. 
Sincerely, 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My debit card was charged XXXX  times from an out of state firm that I did not authorize. XXXX XXXX {$1400.00} is lost. I signed a Written Statement of Unauthorized/ Improper ACH Debit Activity form on XX/XX/year>. My teller tells me Regions Bank declined my complaint. No communication or resolution has been made by my bank.

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: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

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 — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
A fraudulent auto loan was opened in my name with Hyundai Motor Finance. My brother forged my signature and obtained the vehicle without my permission. I did not sign any contract, did not take possession of the vehicle, did not make any payments, and did not authorize the purchase. Ive submitted my ftc form affidavit along with my police report and XXXX still getting denied for the removal off my credit ASAP. My police 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 2025-11-15 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: AL

Complaint narrative:
I am filing this complaint against Equifax Experian and TransUnion for their continued failure to comply with the Fair Credit Reporting Act in connection with my prior disputes. Despite multiple written requests and more than the legally allowed time for a reinvestigation the bureaus continue to report inaccurate and unverifiable information on my credit reports. This has caused ongoing harm to my consumer rights and credit standing. 

The bureaus have not corrected or removed the disputed information and have not provided any documentation to support their continued reporting. They have also failed to update the late payment history as requested. I specifically instructed that the late payment entries be updated to reflect Paid in time or Paid as agreed yet no corrections were made. 
Violations include the following laws : 15 USC 1681i a Failure to conduct a reasonable reinvestigation 15 USC 1681i a 7 Failure to provide a statement of the method of verification 15 USC 1681e b Failure to ensure maximum possible accuracy The bureaus failed to provide : Any documentation used to verify the disputed accounts The method and procedural details of the verification Contact information for any furnishers they relied on I requested a lawful reinvestigation deletion of all inaccurate and unverifiable information correction of all late payment reporting and full disclosure of the verification method. The bureaus have refused to comply.

I have already submitted complaints to the Consumer Financial Protection Bureau the Federal Trade Commission and my State Attorney General. Their continued non compliance violates my rights under federal law and places them in breach of their duties under the FCRA. Continued failure to comply may result in legal action including claims for statutory damages under 15 USC 1681n and 15 USC 1681o.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need these accounts removed below I also attached information. XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Bank XXXXXXXX XXXX Account Number : 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: 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:
I am submitting this follow-up complaint regarding several accounts and inquiries appearing on my credit reports with Experian, Equifax, and TransUnion that XXXX inaccurate, unverified, inconsistent, and unsubstantiated, despite my prior disputes and formal requests. The accounts in question include XXXX XXXX XXXX XXXXXXXX * * * * *, XXXX XXXX XXXX * * * *, XXXX OF XXXX XXXX * * * * * * * *, XXXX XXXX * * * * * * * *, XXXX XXXX XXXX *, and XXXX XXXX XXXX * * * * * * * *, and the inquiries RMS XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX on Experian. These accounts and inquiries continue to appear without proper verification, documentation, or authorization, with conflicting balances or statuses across the bureaus, in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FDCPA 807 and 809. The continued reporting of these unverified and inaccurate items is misleading, harms my creditworthiness, and misrepresents my financial standing. I am formally requesting the immediate and complete removal of all these accounts and inquiries from my credit reports.

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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding several accounts and inquiries appearing on my credit reports with Experian, Equifax, and TransUnion that XXXX inaccurate, unverified, inconsistent, and unsubstantiated, despite my prior disputes and formal requests. The accounts in question include XXXX XXXX XXXX XXXXXXXX * * * * *, XXXX XXXX XXXX * * * *, XXXX OF XXXX XXXX * * * * * * * *, XXXX XXXX * * * * * * * *, XXXX XXXX XXXX *, and XXXX XXXX XXXX * * * * * * * *, and the inquiries RMS XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX on Experian. These accounts and inquiries continue to appear without proper verification, documentation, or authorization, with conflicting balances or statuses across the bureaus, in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FDCPA 807 and 809. The continued reporting of these unverified and inaccurate items is misleading, harms my creditworthiness, and misrepresents my financial standing. I am formally requesting the immediate and complete removal of all these accounts and inquiries from my credit reports.

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: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My ID and drivers license and Social Security number was stolen from my car

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These accounts are unauthorized and are not mine. I would like all of these accounts to be removed from my credit report immediately.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These accounts are unauthorized and are not mine. I would like all of these accounts to be removed from my credit report immediately.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1666 regarding the correction of billing errors, 15 U.S.

Code 1666a concerning creditor restrictions during disputes, FCRA 611 ( 15 U.S.C. 1681i ) on disputing inaccurate information with credit bureaus, FCRA 623 ( a ) ( 2 ) regarding the duty to correct and update, and FCRA 605 ( a ) on obsolete information. I have noticed that several Department of EducationXXXX DPT EDXXXX student loan accounts and XXXX XXXX XXXX XXXX XXXX XXXX accounts are reporting late payments inconsistently and inaccurately across Experian, Equifax, and TransUnion XXXX which misrepresents my payment history and overall creditworthiness. 
For example, DPT EDXXXX account XXXXXXXX XXXX XXXX XXXX XXXX  shows a balance of {$3500.00} with a date opened of XX/XX/XXXX and last reported on XX/XX/XXXX in Experian. It is inaccurately reflecting late payments of XXXX  days from XXXX to XXXX XXXX XXXX days in XXXX XXXX XXXX days in XX/XX/XXXX, and XXXX days in XX/XX/XXXX. The same account appears in Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3400.00}, date opened XX/XX/XXXX, last reported XX/XX/XXXX, showing XXXX  days late from XXXX to XX/XX/XXXX and XXXX days late in XX/XX/XXXX. On TransUnion XXXXXXXX XXXX XXXX XXXX XXXX it reports a balance of {$3500.00}, date opened XX/XX/XXXX, last reported XX/XX/XXXX, showing XXXX days late XXXX to XX/XX/XXXX and XXXX days late XX/XX/XXXX. Similarly, DPT EDXXXX accounts XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all show late payments inconsistently across the three bureaus, ranging from XXXX to XXXX days late for overlapping periods, which does not accurately reflect my payment activity. 
Additionally, XXXX XXXX XXXX XXXX accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX  are reporting late payments of XXXX days in XX/XX/XXXX, with last reported dates and last activity dates that are inconsistent between Equifax and TransUnion, causing further misrepresentation of my payment history.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
SYNCHRONY PROJECT CARD, SYNCHRONY XXXX, XXXX XXXX ( XXXX ACCOUNT WITH THREE NAMES ) continues to furnish inaccurate information to XXXX  misclassifying a fixed term loan as a revolving account despite written dispute and XXXX balance invoice. 

FAX CONFIRMATION To SYNCHRONY ( 3 ACCOUNT NAMES FOR ONE ACCOUNT ) Date I Sent : XX/XX/year> fax ( after receiving postal letter at the end of 60 day investigation ended XX/XX/year> by Synchrony ) ; Time : XXXXXXXX XXXX  ( local )/ XXXX XXXX XXXX fax record ) ; Synchrony Fax Number : XXXX ; Pages Sent : 8 ( including cover ) ; Fax Confirmation No. : Job XXXX XXXXXXXX Result : OK ( XXXX duration ) ; Faxed 8-page package including Cover Letter, Invoice ( {$0.00} due ), Synchrony Follow-Up Letter, My Response, Evidence Summary ; XX/XX/XXXX, XXXX phone call, Synchrony rep,, XXXX, stated 30 days needed from Credit Bureau request ; no acknowledgment of account type error. XXXX stated 30 days needed to receive request from Credit Bureau ; did not acknowledge reclassification. XXXX ( myself ) clarified furnisher ( Synchrony ) controls reporting data. I requested a written correction immediately from Synchrony rep, XXXX. She kept telling me 30 days needed from Credit Bureau request. I have not received written correction ; EVIDENCE SUMMARY The following summarizes the misreported data currently displayed on the Equifax credit report as of the XX/XX/year> update. This evidence demonstrates partial correction of status but continued inaccuracies in account classification and amount reporting. 

FIELD| Reported Value ( XX/XX/year> ) | Correct / Expected Value| Remarks. 

ACCOUNT STATUS| Pays_as_agreed| Neutral/Accurate but does not cure balance or type errors ; Appears corrected ; no delinquency noted. 

LOAN TYPE| Charge Account / Revolving| Installment Loan| Incorrect misclassified account type. 

BALANCE| $ XXXX {$14000.00} ( Original Agreement ) or {$0.00} ( Per Invoice ) | Still inaccurate. 

HIGH CREDIT| $ XXXX $ XXXX Old inflated value retained. 

DATE REPORTED XX/XX/year> Proves Synchrony reverified data postdispute.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

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