vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of XXXX collection accounts placed by XXXX. XXXX of these accounts have already been deleted from both Experian and TransUnion after my disputes. However, Equifax continues to report all XXXX, which makes my credit reports inconsistent and misleading. In addition, XXXX of these accounts was paid in full. I also request that the Consumer Financial Protection Bureau direct Equifax, Experian, and TransUnion to review the remaining XXXX account for accuracy and fairness. It is unreasonable and inconsistent that XXXX accounts from the same collector have been removed, yet this XXXX account continues to remain. This creates an inaccurate picture of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute of the late payment currently listed on my credit report. My payment records confirm timely and consistent payments, making this entry inaccurate and detrimental to my credit profile.

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 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am formally disputing fraudulent accounts that have been added to my credit report without my authorization. These accounts were never opened or approved by me and do not belong to me in any capacity. Their reporting is inaccurate, misleading, and harmful to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: LA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe.

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-24 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: TX

Complaint narrative:
I am disputing the reporting of a late payment on my account, as this information is false and does not align with my consistent history of on-time payments. Its continued reporting misrepresents my financial responsibility and negatively impacts my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NC

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. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$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 2025-09-24 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: TN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2025-09-24 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BTH Management
State: MO

Complaint narrative:
I couldn't afford the payments so I called them several times to work something out that I could afford but they ignored me and sent my account to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute of fraudulent accounts listed under my name on my credit report. I had no involvement in the creation or authorization of these accounts. Their presence is false, misleading, and harmful to my credit profile.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 
XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I received a text message that my debit card was attempted to be used. I was asked if I tried to use my card. I replied back no. Then my funds of {$2100.00} were unauthorized transferred to another person and both my saving accounts were closed. I received emails from my bank that the accounts were closed and another account was opened. But there is not existing account. I put in dispute with the bank on XX/XX/XXXX. On XX/XX/XXXX the dispute was denied. On XX/XX/XXXX I submitted another dispute with my bank and denied again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the late payment reported on my credit file. This entry is incorrect, as I have consistently made payments on time. Its continued presence is misleading and unjustly harms my creditworthiness.

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 2025-09-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint and dispute regarding multiple inaccuracies and inconsistencies being reported on my credit file. This submission is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which entitles consumers to the reporting of only accurate, complete, and verifiable credit information.

XXXX XXXX  Account Number XXXX Late 30 days XXXX Open date XX/XX/XXXX XXXX XXXX Account Number XXXX  Balance : XXXX XXXX late 30 days XX/XX/XXXX, late 60 days XX/XX/XXXX, late 90 days XX/XX/XXXX late 120 days XXXX to XX/XX/XXXX - Open date XXXX XXXX, XXXX not reported in Experian XXXX XXXX Account Number XXXXBalance : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} Last Activity XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} Last activity XX/XX/XXXXXXXX XXXX XXXX  Per FCRA 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning individual consumers. Additionally, under FCRA 1681i ( a ), when a consumer disputes information on their credit report, a timely and reasonable reinvestigation must be conducted.

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Current failed to send promised refund check of {$200.00} I originally opened only a checking account with Current. Without my permission, they also opened a secured credit card and reported it to the credit bureaus. I already filed complaints about this with CFPB. 
Later, the Current Fraud Team confirmed in writing that the account was closed due to identity theft. They also confirmed by email on XX/XX/year> that they would send me a refund check for my remaining balance of {$200.00} within 14 days. It has now been more than 14 days, and I have not received any refund check. I also emailed Current Fraud Team again for an update, but they have not responded. This is unacceptable because : They acknowledged the balance belongs to me. They promised a refund but failed to deliver. They are now ignoring my emails. I am requesting CFPB to require Current ( or their partner bank ) to : Immediately provide proof of mailing of the refund check, OR Reissue the refund of {$200.00} by a secure and trackable method.

This issue is separate from my prior complaints because it concerns Current withholding my funds after confirming the account closure and refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts appearing on my credit report. These accounts were not authorized by me and do not belong to me. Their inclusion creates a misleading and damaging representation of my financial history, which must be corrected 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 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute fraudulent accounts that have been improperly placed on my credit report. I had no involvement in the creation or authorization of these accounts, nor did I provide any consent for them to exist under my name. Their presence represents an egregious inaccuracy, damaging my credit profile and misrepresenting my financial history.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I called Caine and Weiner after it appeared on a credit report of mine and they wouldn't tell me who or what debt was for unless I paid for the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX. Despite having received all required documents, Equifax 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review

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 2025-09-24 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: OH

Complaint narrative:
I am a retiree in XXXX XXXX who has worked diligently throughout my life and am now experiencing undue harassment from creditors. 

It has come to my attention that my personal information, including my address and phone number, was misused by a family member who is currently incarcerated at XXXX XXXX XXXX. This individual exploited my hospitality and trust to gain access to my details, subsequently opening accounts and engaging in activities that have severely impacted my credit. I did not open these accounts, nor did I receive any benefit from them. 

I am not responsible for these fraudulent debts and request that all related accounts be investigated and removed from my credit file. The ongoing demands from creditors are causing significant distress, preventing me from enjoying my retirement peacefully. I appeal to you to take swift action to rectify this matter and stop further contact regarding these unauthorized obligations. 

Thank you for your understanding and prompt attention to this serious issue.

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 2025-09-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : BANKRUPTCY  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Discovery Auto Sales LLC
State: TX

Complaint narrative:
I am requesting help with Zeus Financial, who repossessed my vehicle ( XXXX  XXXX XXXX ) and has since refused to provide written reinstatement terms, despite multiple formal requests via email and call. 

They are deliberately delaying the process and refuse to provide documentation in writing, even though I requested this under Texas Finance Code 348.408 and 12 CFR 1026.36. 

They are now demanding extra personal information and references, including : My SSN again ( they already have it ) Personal contacts and family references Employment info not required by law This feels like an excuse to block my reinstatement or punish me for falling behind. Ive clearly asked for written terms, and theyre playing games by stalling and making invasive demands. 

They even used language warning me not to file complaints, which I took as an intimidation tactic. 


I rely on this truck for work, and Ive made good faith efforts to reinstate my loan. Zeuss refusal to cooperate in writing is not just inconvenient its financially damaging. I believe this is a pattern they use to avoid reinstatements and resell vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation