vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: MT

Complaint narrative:
I am filing this formal complaint against Equifax for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the Bank of XXXX XXXX XXXX fraudulent. Despite receiving this information, Equifax has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} This tradeline is being reported as a charge-off, even though the balance is showing {$0.00}, which is misleading and inaccurate. FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing any information known to be inaccurate, and reporting a {$0.00} balance account as charged off is exactly that. A charge-off implies an unpaid delinquent balance, which is not the case here. The continued reporting of this derogatory item creates significant harm to my creditworthiness by lowering my score and making me appear as a higher credit risk. This affects my ability to qualify for mortgages, auto loans, and even employment screenings. I demand a complete reinvestigation, including verification with original creditor records and signed documentation. If the original creditor can not produce documentation proving that this was charged off with an outstanding balance at the time, you must immediately update this account to reflect paid/closed or remove the charge-off notation entirely. Maintaining this false charge-off on a {$0.00} balance account is a direct violation of the accuracy provisions of FCRA and is causing financial injury.

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint against the three major credit reporting agencies for continuing to report unauthorized credit inquiries on my credit file, despite multiple disputes. These inquiries were made without my knowledge or consent and therefore violate the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which limits when a consumer reporting agency may release or include inquiries in a consumers file.

A credit inquiry may only occur with a permissible purpose, such as written authorization, a firm offer of credit, or an existing account relationship. I never granted such permission for the inquiries listed below. By reporting inquiries without permissible purpose, the credit bureaus are violating both 15 U.S.C. 1681b and their obligation under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in consumer reports. 

Unauthorized Inquiries Reported XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX Violations Reporting inquiries without permissible purpose ( FCRA 1681b ) Failure to maintain maximum possible accuracy ( FCRA 1681e ( b ) Failure to properly reinvestigate and remove disputed items after multiple disputes ( FCRA 1681i )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In XX/XX/year>, I saw that Citizen bank had accessed my credit score. I was confused I am not currently, have not been in the past and was not planning to be a costumer. I hence walked in a Citizen bank and asked why.

Turns out that some criminal had opened a bank account in my name with a fake XXXX XXXXXXXX XXXX and stolen identify ( with my SSN, birthday and real name ). However, I never lived in XXXX, and also the signature was miles from my own. 
The clerk was very helpful, we checked the traffic in the account we found obviously fraudulent behaviour ( stolen IRS checks were payed in, and the payed money was further sent to other accounts ). 

The signature mismatch, fake XXXX  and behaviour on the account was very clearly indicating fraud. I called the Citizen fraud department and talked to the clerk and the local manger, all ensuring that the matter would be taken care of.

I also filed a police report with the local police and the FBI independently. I froze my credit and put out a fraud alert. I left my address and email at the bank so they can contact me for further assistance. 

In XX/XX/year>, I realise the account is still not closed and I go to the bank again, manger again says it is being handled. The local personal is very friendly and helpful but clearly their reports are not properly followed up on. 

While when I reported the fraud in XXXX the account had XXXXXXXX XXXX in it, now it is overdraft by XXXX. The bank has the audacity to send me threatening mail claiming I have to pay the overdraft else consequences because they are clearly not aware of the situation. 

I have informed the bank up to this point XXXX  times about the fraud ( XXXX  times in person, XXXX  times on the phone with the fraud department and costumer service ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion continue to report inaccurate late payment entries tied to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, despite my repeated billing error disputes. Over the past three months, I have submitted three separate dispute letters with complete identification and supporting documents. The errors remain unresolved in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

Disputed Accounts XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Reported Late Payment Open ) XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Reported Late Payment Open ) Violations Under 15 U.S.C. 1666, creditors are required to : Acknowledge receipt of a billing error within 30 days, Investigate and resolve the error within two billing cycles ( not more than 90 days ), and Provide a written explanation with documents relied upon. 

To date, the furnishers and credit bureaus have : Failed to provide a clear resolution, Refused to supply documentation relied upon, and Continued to report inaccurate late payment entries despite irrefutable evidence. 

This constitutes noncompliance with : FCBA ( 15 U.S.C. 1666 ), FCRA ( 15 U.S.C. 1681s-2 and 1681i ), and Potential state consumer protection laws.

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 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am still being harassed by a creditor who sold a debt to a law firm to settle a debt. The firm hired someone to harass me for a Debt that was being paid before the Law firm decided to serve me for a debt that was already settled. They have visited my mailing address XXXX  times in XXXX XXXX  after XXXX  payments were submitted to the firm in regards to the debt by XXXX XXXX XXXX, XXXX. Also, a XXXX XXXX showed up again this morning ( XXXX ) to serve documents on an already settled claim with XXXX XXXX XXXX, XXXX. I reached out to the firm before the first payment was received due to not being able to settle the debt on the website given via a correspondence document sent by mail to my mailing address in XXXX regarding the claim. I submitted payments for the said account number addressed in the correspondence document until the website was updated to accept a settlement. XXXX months after the debt was settled, the firm start harassing me in regards to a debt that was already settled and payments were being processed prior to the servicer showing up to my mailing address XXXX  times in XXXX XXXX And again today ( XXXX ), the XXXX shows up to serve documents again on a already settled claim. Also, after receiving XXXX payments in XXXX from the same checking account that was scheduled again to come out in XXXX a letter was received to confirm the scheduled payment by mail on XXXX. Today ( XXXX ) the XXXX arrived to serve documents again on a settled claim, a letter was received after the XXXX left, stating the account routing and checking account number was returned due to being invalid. Prior to today, I reached out to my bank a couple of days after the scheduled payment was scheduled to debt my account to confirm if a payment was showing pending from the same Debt Collector. Due to the harassment from the debt collector on a already settled claim. My bank advised there were no pending charges against my account for the same Debt Collector that debited the same account a month before the scheduled transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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 formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/scrub>XXXX XXXX XXXX I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being.

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 2025-09-12 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: KY

Complaint narrative:
I reviewed my credit report in detail and was deeply concerned to find multiple inaccuracies that do not accurately reflect my true financial history. I have always made a conscientious effort to meet my financial obligations on time, maintain responsible credit behavior, and manage my accounts diligently. Despite my careful management, several accounts on my credit report are being reported in ways that are inconsistent, misleading, incomplete, or unverifiable. This misreporting not only misrepresents my creditworthiness but also has the potential to negatively impact my ability to secure credit, housing, employment, and other opportunities. In light of these issues, I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and respectfully request a thorough and comprehensive reinvestigation of the items outlined below. 
XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I reviewed my credit report in detail and was deeply concerned to find multiple inaccuracies that do not accurately reflect my true financial history. I have always made a conscientious effort to meet my financial obligations on time, maintain responsible credit behavior, and manage my accounts diligently. Despite my careful management, several accounts on my credit report are being reported in ways that are inconsistent, misleading, incomplete, or unverifiable. This misreporting not only misrepresents my creditworthiness but also has the potential to negatively impact my ability to secure credit, housing, employment, and other opportunities. In light of these issues, I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and respectfully request a thorough and comprehensive reinvestigation of the items outlined below. 
XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX XX/XX/year>

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 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
This complaint is one of many.

Here I leave the information, emails, and everything. I bought a used car on XX/XX/2025. I gave a down payment of {$2000.00}. On XX/XX/2025, they changed everything that was supposedly signed, increasing the down payment and the payments. I did not accept because it was too much. The people from Nissan began to threaten me. In the end, I was the one who returned the car. They assured me that the next day they would return my deposit through my bank. Up to this date, Nissan does not want to me that the next day they would return my deposit through my bank. Up to this date, Nissan does not want to return the {$2000.00} l paid. I already made all the reports to the bank, but XXXX first said they could not do anything, then said they would give me the credit, and up to this moment I still have not received any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXX XXXX  Account number : XXXX Account name : 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 explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Please see the attached police report, FTC Identity Theft Report, and corresponding CFPB claim number for verification. 

All accounts listed in the attachments are fraudulent and were opened without my knowledge, consent, or authorization. Pursuant to 15 U.S. Code 1681c-2 ( Block of information resulting from identity theft ), you are required to block and remove these accounts from my credit file within four ( 4 ) business days of receiving this notice.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following items were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. One bureau found the information to be incorrect and corrected the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-12 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: TX

Complaint narrative:
The following items were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. One bureau found the information to be incorrect and corrected the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief