vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$10000.00} Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XXXX Balance {$51000.00} Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XXXX Balance {$29000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$23000.00} Chapter XXXX Bankruptcy XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
I, XXXX XXXX, am filing this complaint against the three major credit bureaus for failing to comply with the Fair Credit Reporting Act ( FCRA ) despite multiple formal disputes. 

In XX/XX/XXXX, I obtained my credit report from XXXX and identified numerous inaccuracies, including : Incorrect personal information ( outdated addresses and employer entries ). 

An unauthorized inquiry from XXXX Bank XXXX ( XX/XX/XXXX ). 

Multiple inaccurate or unverifiable accounts, including collections and charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

These errors remain on my credit file despite my disputes and the submission of all required identification and supporting documents. I prepared and submitted each dispute myself, as I have stated in every letter over the past few months. Yet the bureaus continue to claim that an unauthorized third party is involved, which is false and obstructs my ability to resolve this matter.

Under 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 7 ), and 1681g, the bureaus are required to : Maintain maximum possible accuracy.

Conduct a reasonable reinvestigation. 

Provide a complete method of verification, including all procedures, contacts, and documentation relied upon. 

Provide a full consumer file disclosure. 

I have also demanded the removal of outdated or unverifiable personal identifiers ( old addresses, former employer data, and any incorrect name or SSN variations ) and the retention of only accurate information. These requests have been ignored. 

This is the second month I am attempting to resolve these issues, yet the bureaus continue to report inaccurate, incomplete, and unverifiable information in violation of the FCRA.

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 2025-08-13 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: MI

Complaint narrative:
I, XXXX XXXX, am filing this complaint against the three major credit bureaus for failing to comply with the Fair Credit Reporting Act ( FCRA ) despite multiple formal disputes. 

In XX/XX/XXXX, I obtained my credit report from XXXX and identified numerous inaccuracies, including : Incorrect personal information ( outdated addresses and employer entries ). 

An unauthorized inquiry from XXXX Bank XXXX ( XX/XX/XXXX ). 

Multiple inaccurate or unverifiable accounts, including collections and charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

These errors remain on my credit file despite my disputes and the submission of all required identification and supporting documents. I prepared and submitted each dispute myself, as I have stated in every letter over the past few months. Yet the bureaus continue to claim that an unauthorized third party is involved, which is false and obstructs my ability to resolve this matter.

Under 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 7 ), and 1681g, the bureaus are required to : Maintain maximum possible accuracy.

Conduct a reasonable reinvestigation. 

Provide a complete method of verification, including all procedures, contacts, and documentation relied upon. 

Provide a full consumer file disclosure. 

I have also demanded the removal of outdated or unverifiable personal identifiers ( old addresses, former employer data, and any incorrect name or SSN variations ) and the retention of only accurate information. These requests have been ignored. 

This is the second month I am attempting to resolve these issues, yet the bureaus continue to report inaccurate, incomplete, and unverifiable information in violation of the FCRA.

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 2025-08-13 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: OR

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am submitting this formal complaint against Equifax and XXXX XXXXXXXX XXXX XXXX for the inaccurate reporting of a balance on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question, XXXX XXXXXXXX XXXX XXXX XXXX Account No. XXXX ), opened on XX/XX/year>, is being reported with a balance of {$140.00} as open. This is factually incorrect because I have already paid the balance in full prior to the date the report was furnished. The furnisher is in error and the credit bureau has failed to follow reasonable procedures to ensure maximum possible accuracy as required by FCRA 607 ( b ). Additionally, the furnisher has violated FCRA 623 ( a ) ( 1 ) ( A ) by reporting information they knew or should have known was inaccurate. Under FCRA 611 ( a ), I have the right to a reasonable reinvestigation, yet the continued reporting of this error demonstrates noncompliance. I demand immediate correction of the balance to reflect {$0.00} and full deletion of any negative notations related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: OK

Complaint narrative:
Despite my previous efforts, the inaccurate accounts are still appearing on my credit report. I am therefore asking for a thorough review of the attached documents so this matter can be fully resolved and I no longer have to worry about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear sir/madam On XX/XX/year>, Synchrony Bank XXXX XXXX showed this transaction {$48.00} ; right after that, I disputed this transaction with the bank. I didn't buy this item for {$48.00}. They've insisted that I buy this item. I requested that the Bank provide me with any evidence or proof that I bought and received this item from XXXX. However, they can't give any proof and keep charging me {$48.00} every month, and I have disputed this transaction every month. I talked with XXXX and requested that XXXX customer service XXXX Synchrony Bank to solve my issues. But until now, it still repeats : Synchrony Bank has charged me every month, and I keep disputing every month. 
I feel very tired because of disputing this transaction every month, which I haven't done. Please help me resolve this definitively ; it is not a big amount of money, but I wish the Bank would solve my issue fairly. 
By the way, I sent you my XXXX account. The XXXX account shows very clearly that I didn't buy any item on XX/XX/year> for {$48.00} Best regards

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: SC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of 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/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The company refuses to acknowledge that its been more than the allotted time, ( 19 calendar days, 14 business days ) allegedly 10 business days provided henceforth by them directly, for this mysterious letter they claim theyve sent ( on XX/XX/XXXX, today its XX/XX/XXXX ). Theres a section in their mobile app that is, supposed, to contain all mailed correspondence but theres no sign of this letter on there. Also their executive response team member, XXXX, was abhorrent. Not willing to help and when I requested to speak to his supervisor he said he doesnt have one, that he is his own boss. Citi bank must be one great place to work for if thats the case, allowed glorified customer service reps to be their own bosses. Theyre revolutionizing the banking industry there. They say theres not evidence of predatory banking practices, but who are they to make such a claim? Shouldnt an unbiased third party be the ones to decide that? Heres some proof for you, XXXX ( I singe him out because on the recorded phone call he did state that he is personally responding to this complaint ), Citibank, like all U.S. banks, is required under federal regulations to have an internal complaint process and in some cases a hardship review if your funds are frozen or on hold. 

If you believe the hold is causing you severe financial difficulty, there are a few routes you can take, depending on why the hold was placed : 1. Ask for a Hardship Release or Expedited Funds Availability Review Banks can release all or part of funds early if you can show a genuine hardship ( rent due, medical bills, loss of utilities, etc. ). 
Request this in writing from your branch or Citibank customer service, referencing the type of hold ( compliance review, fraud review, check hold, etc. ). 
Provide proof : utility shutoff notices, eviction warnings, overdue bills, or medical invoices. 

I mentioned this gentleman that I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why didnt I eat for 3 days? Well, because I have no money readily available. Its all being held by Citibank. XXXX response to an XXXX XXXX XXXX woman was as follows XXXX when you feel better and get discharged youll be able to go in person to the bank I explained to him that in anemic and not in the best of shape physically and Ive had several acquaintances and family members that didnt make it out the XXXX. Its common in my age. XXXX did bat and eye, didnt seem to care at all. I feel that if I continue to go on itll just be redundant but understand that XXXX is as much of a predatory banker as his corporation is and he does not uphold then values that one should expect from a mammoth banking institution like Citi bank. Thanks and have a great day.

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 2025-08-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was preapproved for a car loan through XXXX XXXX XXXX XXXX on XX/XX/year> and was approved for a sum over {$40000.00}. That day I also spent time contacting XXXX XXXX customer service to go over the details of the loan, the specific car I was looking trying to finance, providing the vin of the vehicle and the link to the vehicle on the dealer 's lot. After an hour of going over the amounts of my current trade in, the purchase cost of the vehicle and the fees of the purchase, the customer service member gave me the approval that it would be approved and I could go the next day to get the vehicle. 

When I arrived at the dealership I was given every reason as to why it would not be approved and that XXXX XXXX was informed the dealership that they did not have contact with me and would not approve the loan. 
As soon as I got home I tried to contact customer service again and speaking with a different agent they made it clear they had changed their mind, could not find my contact history with the agent and turned me down. 

Today I received a letter trying to explain why they came to the conclusion they did, but on the back of the paper it has the credit agency they used and the credit score they have. As by the credit monitoring system I use, and the credit monitoring system linked to my XXXX XXXX accounts ; XXXX, the number provided is far under than what I have, and they used Experian XXXX XXXX XXXX XXXXs what XXXX by XXXX uses to provide my scores, alerts, credit history and financial advice by using the credit simulator, and promoting products based on this score. 

This is deceptive, using one agency to influence and guide peoples financial decisions to then use another agency when it comes time to make decisions. They use the Bait and Switch to make you think you can get approved at a much better rate, but when it comes to signing the papers, the rate has risen and you are given a score that does not match. Also the Score provided on the denial letter does not match any of the credit monitoring I have or what XXXX XXXX shows in my accounts. The score on the paper does not come close to any of my Fico scores.

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 2025-08-13 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: GA

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file.

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 2025-08-13 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: GA

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief