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 — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I am filing this complaint because EasternACCOS is reporting inaccurate, inconsistent, and misleading information on my credit report. I have disputed this account several times with the credit bureaus, and nothing has been corrected even though the errors are obvious. 

The Date of Last Activity is reported XXXX different ways : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX A collection account can not have a future Date of Last Activity. I have not made any payment or had any interaction with EasternACCOS that would justify updating the date. This makes the reporting misleading and violates FCRA accuracy requirements. 

The account also shows Closed on some reports and XXXX on others. A collection account can not be open and closed at the same time, so this is clearly inaccurate. 

EasternACCOS is reporting the account as Collection/Chargeoff, even though they are not the original creditor and therefore can not legally report a charge-off. This is false and makes the account appear more negative than it should. 

The balance is listed as {$130.00}, but the past due amount is listed as {$0.00}, which contradicts how collection accounts work. Collections do not have a past-due field. 

The creditor remarks also conflict with the status Subject has not satisfied debt and Placed for collection do not match the Closed status being reported elsewhere. 

I have disputed this with the bureaus multiple times and every time it comes back verified with no changes, even though the reporting is inconsistent and inaccurate. I do not believe a proper investigation was done. 

This incorrect reporting is hurting my credit unfairly and does not reflect accurate or verifiable information.

Company public response: Company disputes the facts presented in the complaint
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: EQUIFAX, INC.
State: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: MS

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that require immediate verification and correction. Under Late Closed, my XXXX XXXXXXXX account ending in XXXX shows a balance of {$0.00}, which is inaccurate. Under Charge-Off, my XXXX account ending in XXXX, XXXX XXXX account XXXX in XXXX with a reported balance of {$760.00}, and XXXXXXXX XXXX XXXX account XXXX in XXXX showing a balance of {$0.00} are all inaccurate. Under Collections, my XXXX XXXXXXXX account for XXXXXXXX XXXX  ending in XXXX shows a balance of {$440.00}, XXXX XXXX reporting for my XXXX XXXXXXXX XXXX account ending in XXXX shows a balance of {$1300.00}, and XXXX reporting for my XXXX XXXX account ending in XXXX shows a balance of {$7100.00}. These accounts are inaccurate and require verification.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 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 — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: MS

Complaint narrative:
YESTERDAY I LOG INTO CREDIT KARMA AND TO SEE MY SCORES AND NOTICE MY CREDIT HAS BEEN USED BY SOME COMPANIES THAT I DO NOT RECOGNIZED BY CREDIT KARMA AND THE COMPANY ALLY FINANCIAL AND STELLANTIS FINANCIAL AND I HAVE NEVER APPLIED FOR ANY LOAN WITH ANYONE AND EXPERIAN WILL NOT LET ME LOG INTO MY ACCOUNT I HAVE BEEN LOGGING INTO MY ACCOUNT WITH MY FACE AND I CANT LOG INTO MY ACCOUNT USING MY EMAIL SO BOTH COMPANYIES ARE MISUSING MY CREDIT AND I NEVER USE MY SOCIAL WITH ANYONE

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:
Following the XXXX Equifax data breach, multiple fraudulent accounts and loans were opened in my name across several institutions, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Consumer, XXXX XXXX XXXX XXXX, XXXX Bank ( fraudulent mortgage payment reporting -CARES ACT Protected by GOVT assistance XXXX XXXX, Self-Help XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX inquiries for XXXX I never applied for. 

In XXXX, fraudulent charges appeared on an existing credit card with XXXX of these institutions. The full balance was paid during the XXXX XXXX statement period, yet negative internal remarks continue, causing credit denials. 

Several institutions opened unauthorized checking, savings, or loan accounts, including unemployment-benefit fraud during the pandemic. Despite submitting documentation and disputes, these entities have failed to correct inaccurate data. 

The credit bureausTransUnion, Experian, and XXXX reporting inconsistent and inaccurate information. Experian has been particularly egregious, showing multiple fraudulent accounts as charge-offs, late while current and unpaid, ignoring disputes and verified proof of payments or XXXX XXXX applicability, and failing to block identity-theft-related items, while the other bureaus reflect some corrections. All credit unions are ignoring late payments made under XXXX XXXX. 

These practices appear to violate multiple sections of the FCRA, including : XXXX / XXXX failure to maintain maximum possible accuracy XXXX failure to reasonably investigate disputes XXXX ( b ) failure to follow reasonable procedures to assure accuracy XXXX furnishers failing to correct or remove inaccurate information 605B failure to block identity-theft-related information after notice

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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is reporting multiple inaccurate personal identifying details on my credit file, including incorrect name variations, outdated addresses, and phone numbers that do not belong to me. I disputed these inaccuracies through Experians online dispute system and also mailed unredacted copies of my drivers license and passport on XX/XX/year>. Experian confirmed receipt but did not correct the inaccurate information. 

My dispute results show that Experian did not remove or update the incorrect personal information despite having valid identifying documents. This violates FCRA requirements for accuracy ( 607 ( b ) ) and proper reinvestigation ( 611 ). I am requesting that Experian correct my personal information and provide documentation showing how my reinvestigation was 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 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I was approved by XXXX XXXX for a consumer credit transaction to buy a vehicle, and all Ive been asking for is the basic documentation that shows my approval the application, the approval terms, and the information they used to make the decision so I can take it to the dealer and actually purchase the car. Ive requested this multiple times, and XXXX XXXX keeps telling me they can not provide the documents, even though federal law requires them to give me this information. Under the Equal Credit Opportunity Act ( 12 C.F.R. 1002.9 ), I have the right to receive a copy of my credit application, the decision notice, and the information they used. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), they must give me all credit information they used in the approval. And under the New Jersey XXXX XXXX XXXX, its illegal for them to hide or refuse to give me material information like this when I need it to complete the transaction. Because they keep withholding it, XXXX cant even finish the purchase with the dealer, I lost my chance at the vehicle, and Ive been damaged financially and emotionally. I want them to follow the law, give me the documents, and take responsibility for the harm theyve caused.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that require immediate verification and correction. The following accounts are reported with incorrect balances. Under Charge-Off, my XXXX XXXXXXXX account ending in XXXX shows a balance of {$470.00}, XXXX XXXX accounts ending in XXXX and XXXX are listed with balances of {$710.00} and {$1100.00} respectively, and my XXXX XXXX account ending in XXXX shows a balance of {$390.00}. Under Collections, my XXXX  account ending in XXXX reports a balance of {$910.00}, while XXXX XXXX account ending in XXXX also reflects {$910.00}. Additionally, my XXXX XXXX accounts ending in XXXX, XXXX, and XXXX show balances of {$930.00}, {$1300.00}, and {$800.00} and remain listed multiple times. These accounts are inaccurate, and some are duplicated, which is negatively affecting 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 2025-11-15 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: MI

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that require immediate verification and correction. The following accounts are reported with incorrect balances. Under Charge-Off, my XXXX XXXXXXXX account ending in XXXX shows a balance of {$470.00}, XXXX XXXX accounts ending in XXXX and XXXX are listed with balances of {$710.00} and {$1100.00} respectively, and my XXXX XXXX account ending in XXXX shows a balance of {$390.00}. Under Collections, my XXXX  account ending in XXXX reports a balance of {$910.00}, while XXXX XXXX account ending in XXXX also reflects {$910.00}. Additionally, my XXXX XXXX accounts ending in XXXX, XXXX, and XXXX show balances of {$930.00}, {$1300.00}, and {$800.00} and remain listed multiple times. These accounts are inaccurate, and some are duplicated, which is negatively affecting my creditworthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I went to a apartment complex formally called XXXX XXXXXXXX XXXX now know as the alight to see if they had any apartments available and I viewed the complex and decided not to go with the apartment complex due to them adding XXXX people as a joint lease to my name. When I refused to be apart of this arrangement I left and now there's a collection on my account for a lease for a term I never accepted or lived in.

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 information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint regarding inaccurate, incomplete, and unverifiable information on my Experian credit report and the failure of both Experian and certain furnishers ( XXXX XXXX and XXXX XXXX XXXX ) to conduct a lawful and meaningful reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

I formally disputed : XXXX XXXXXXXX credit card account ( alleged charge-off ) REGIONAL ACCEPTANCE auto loan ( alleged charge-off ) These accounts contain significant reporting errors, including incorrect Date of First Delinquency ( DOFD ), chronologically impossible delinquency sequences, inconsistent payment histories, inaccurate balance reporting, and unverifiable charge-off timelines. These issues violate FCRA 602, 609 ( a ) ( 1 ), 611, and 623. 

Experian processed my disputes but left the items unchanged despite clear evidence of errors. No documentation was provided, and per XXXX v. XXXX ( 2016 ), verification must be based on actual documentationnot automated data matching. 

I requested XXXX XXXX XXXX under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), but Experian did not provide the required details. Both furnishers failed to demonstrate compliance with FCRA 623 ( b ), which requires a reasonable investigation.

I am requesting CFPB assistance to : 1. Ensure Experian performs a lawful, meaningful reinvestigation. 
XXXX. Ensure furnishers provide actual documentation supporting all reported data. 
XXXX. Remove or correct any unverifiable or inaccurate information. 

I am submitting this complaint with supporting letters, an affidavit, and a sworn declaration.

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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXXXXXX FIN XXXX * * * * - Balance : {$0.00} - Date Opened : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND ABOVE LISTED FRAUDULENT ACCOUNTS AND INQUIRIRES MUST BE REMOVED FROM MY CREDIT REPORT XXXX. FIRST PRIEMER ACCOUNT OPENED XXXX, XXXX. XXXX XXXX  ACCOUNT OPENED XXXX. 
ALSO FOLLOWING FRAUDULENT INQUIRIRES MUST BE REMOVED FROM MY CREDIT REPORT XXXX. XXXX XXXX, XXXX. TD RETAIL CARD SERVICS XXXX, XXXX. FIRST XXXX BANK XXXX, XXXX. XXXX XXXX. I AM THE ONLY PERSON WHO MADE THIS STATEMENT

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: LEXISNEXIS
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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I had an unauthorized withdrawal taken from my Chime Checking Account after depositing cash at XXXX. This is the second time this happened. I deposited {$51.00} on XX/XX/year>. The funds were taken and never credited to my account. 

I have proof : XXXX  receipt and a Chime screenshot showing I did NOT authorize any XXXX or automatic payment. The authorization box was not checked. 

I contacted Chime multiple times : I spent over an hour on the phone I was hung up on twice Support refused to open a case No case number was ever given No refund was issued They also ignored my emails to XXXX, XXXX, and XXXX This has caused severe hardship. I am XXXX  with a XXXX baby, without a car or food, and this was my last money. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because Chime would not help me. 

Chime is violating Regulation E by refusing to accept or open an unauthorized transaction dispute. I need Chime to return the {$51.00} that was taken without my permission and provide a case number and investigation. 

My information : Name : XXXX XXXX Phone : XXXX Email : XXXX Last 4 of SSN : XXXX Date of incident : XX/XX/year>XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My TransUnion credit file contains multiple inaccurate, incomplete, and conflicting items that violate FCRA requirements for accuracy. I have attempted to correct these issues, but TransUnion continues to report conflicting and unverifiable information. I am requesting regulatory intervention. 
PERSONAL INFORMATION IS INACCURATE My file contains multiple incorrect names and addresses that do not belong to me. My correct and only identity is : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : XX/XX/year> TransUnion has failed to correct these inaccuracies under FCRA XXXX ( b ). 

XXXX XXXX ACCOUNT # XXXX IS REPORTING CONFLICTING INFORMATION This account shows inconsistent Date of First Delinquency, conflicting charge-off dates, payment history discrepancies, and XXXX status XXXX when compared to other bureaus. Conflicting data is inaccurate under FCRA 1681e ( b ) and requires correction or deletion. 

XXXX XXXX  ACCOUNT XXXX XXXX IS ALSO REPORTING FALSE INFORMATION Experian and TransUnion do not match for this account. Experian reports invalid date strings that TransUnion does not. The payment grid, status fields, and charge-off sequence conflict. The data is inaccurate and unverifiable. 

XXXX, XXXX XXXX XXXX COLLECTION IS NON-COMPLIANT This collection is missing the original creditor, missing DOFD, contains incomplete XXXX data, and has balance discrepancies. No validation of the debt has ever been provided. 

XXXX XXXX XXXX  LATE PAYMENT DATA DOES NOT MATCH The late payment history TransUnion is reporting does not match Experian. Inconsistent data is inaccurate under FCRA 1681e ( b I am requesting : Correction of all personal information Deletion of all accounts that can not be verified with complete, consistent, and accurate documentation A full reinvestigation Method of Verification under FCRA 1681i ( a ) ( 7 )

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