vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: CA

Complaint narrative:
The late payment information is not exact and is not correct, it is different in Equifax, in Transunion, in addition the same report appears, but in different months, I have my wife XXXX XXXX covered on my card and in her history only XXXX month appears and in my report it appears for XXXX months, I have contacted them requesting the withdrawal of the report for being inaccurate, but their response is that everything is correct, after a supposed investigation carried out, I request that they retain all late payment reports because they are inaccurate, they are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: CA

Complaint narrative:
The late payment information is not exact and is not correct, it is different in XXXX in Transunion, in addition the same report appears, but in different months, I have my wife XXXX XXXX covered on my card and in her history only XXXX month appears and in my report it appears for XXXX months, I have contacted them requesting the withdrawal of the report for being inaccurate, but their response is that everything is correct, after a supposed investigation carried out, I request that they retain all late payment reports because they are inaccurate, they are incorrect

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 2025-09-21 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:
This complaint is against XXXX XXXX XXXX XXXX XXXX ) and the credit reporting bureaus Experian, TransUnion, and Equifax. The account Spring Oaks is reporting is inaccurate, unverifiable, and inconsistent, and each bureau is failing to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy. 

Specific errors : Invalid/Contradictory dates on the tradeline ( e.g. Invalid date, Collection as of XX/XX/XXXX to XX/XX/XXXX, Terms : 1 Month, while showing On record until XX/XX/XXXX ). These entries are impossible or make no sense. 
Furnisher name mismatch : XXXX XXXX has told CFPB the debt was transferred to XXXX XXXX XXXX XXXX, XXXX, but the bureaus list XXXX XXXX XXXX XXXX. 
No account-level proof, such as original creditor documentation, signed contract or application, name/last-4/account number on the bill of sale or assignment record. 
Possible re-aging : The tradeline remains on record until XX/XX/XXXX without a credible Date of First Delinquency from the original creditor, which may breach FCRA XXXX ( a ) ( XXXX ). 

Data breach risk factor : TransUnion recently disclosed a breach ( XX/XX/XXXX ) where XXXX XXXX peoples sensitive information was compromised, including full Social Security numbers, dates of birth, personal support ticket data, and other contact info. 
Even though TransUnion claims core credit file info was not accessed, the breach shows how vulnerable consumer data is in their system. This significantly increases the risk that incorrect, outdated, mismatched, or fraudulent information could be used to harm meespecially when a furnisher ( XXXX XXXX ) has submitted unverifiable data. 

Because of these issues, the tradeline is not only inaccurate but also contributing to potential identity theft or wrongful 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 2025-09-21 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: TX

Complaint narrative:
I checked my latest credit report and noticed multiple inaccurate accounts reporting that do no belong to me I plan to take this to the fullest extent to clear my name

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 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CO

Complaint narrative:
Debt was explained to XXXX multiple times but XXXX did not want to fix the issue. You can not contact anyone higher up to help with this. XXXX sent debt to collections in 2023 and that was taken care of and now I am getting contacted again about it being in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
never received the original documentation on opening this account. I asked several times for documents and any information about this account like credit limit, cad issued, my signature for application. I never had this credit card before. Advised the company that i filed identity theft and provided the police number then when I was told that the debt would be off all three credit reports and it has not been removed. 
amount {$990.00} 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 2025-09-21 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: LA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-21 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX 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 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
In XX/XX/2025, I opened a new US Bank Business Altitude Connect credit card. The card automatically appeared in my existing US Bank online account. I set up autopay in the account settings and regularly monitored the balance due, which consistently displayed {$0.00} due. 

In XX/XX/2025, I received a statement showing an interest charge of {$120.00}. This was surprising since my account always showed a {$0.00} balance. When I called US Bank, I was told that I actually needed to create a completely separate central business account in order to view and pay this card. After creating that additional account, I discovered the card had an outstanding balance of more than {$6000.00}. 

I immediately offered to pay the balance in full and requested that the {$120.00} interest charge be waived, since the companys own system had misled me into thinking nothing was owed. US Bank refused, stating they do not waive interest charges. 

This process is highly confusing : the card shows up in the existing online account, autopay appears to be set, and the balance shows {$0.00}, giving no indication that payments must be made through a completely separate portal.

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 monetary relief
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute incomplete or inaccurate information, and you are required to conduct a reasonable reinvestigation. 
Account to Dispute : Creditor : XXXX XXXX  Account Number : XXXX XXXX Dispute Reason : This account is inaccurate and unverified I dispute this account for the following reasons : 1. Lack of Verification : Under 15 U.S.C. 1681i ( a ) ( 5 ), you must have reasonable procedures to verify the accuracy of disputed information. I request that you provide verification that this debt is valid, including : o Original creditor information and account documentation o Proof of ownership of this debt by XXXX XXXX o Verification of the reported balance amount o Documentation showing proper chain of custody if this is a purchased debt 2. Potential FDCPA Violations : If XXXX XXXX is a debt collector, they must comply with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including providing proper validation of the debt.

3. Accuracy Concerns : Per 15 U.S.C. 1681e ( b ), you must follow reasonable procedures to assure maximum possible accuracy. The account shows contradictory information that raises questions about its accuracy. 
Under the FCRA, you have 30 days from receipt of this letter to investigate and respond. If you can not verify this information with complete and accurate documentation, you must delete it from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: MS

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 2025-09-21 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a letter from Webster Bank the week of XX/XX/XXXX informing me that the address on my account had been changed. However, I never opened an account with Webster Bank, nor had I heard of them before receiving this letter. Clearly, someone fraudulently used my personal information to open an account. 

I called Webster Bank, and they confirmed that an account was opened that matched my name, address, and social security number. However, they would not give me any information about the account, or close the account. Raising a complaint that Webster Bank both opened an account for someone fraudulently using my information, and also would not help me close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please see attached for the list of inquires. 

But the issue is, I repeatedly tell auto dealers DONT SHOP MY CREDIT. I GIVE THE ACTUAL DEALER PERMISSION TO RUN IT, AND THATS IT. AND NOW I REVIEW MY CREDIT AND I HAVE A TON OF INQUIRES FROM COMPANIES THAT IVE NEVER AUTHORIZED AND NEVER HEARD OF.

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 2025-09-21 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: GA

Complaint narrative:
Please see attached for the list of inquires. 

But the issue is, I repeatedly tell auto dealers DONT SHOP MY CREDIT. I GIVE THE ACTUAL DEALER PERMISSION TO RUN IT, AND THATS IT. AND NOW I REVIEW MY CREDIT AND I HAVE A TON OF INQUIRES FROM COMPANIES THAT IVE NEVER AUTHORIZED AND NEVER HEARD OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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:
I checked my latest credit report and noticed multiple inaccurate accounts reporting that do no belong to me I plan to take this to the fullest extent to clear my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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:
I checked my latest credit report and noticed multiple inaccurate accounts reporting that do no belong to me I plan to take this to the fullest extent to clear my name

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 2025-09-21 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 recently pulled my report and noticed that it was several items reported in accurately, and without my knowledge please help me get this account removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 explanation
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-21 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES :XX/XX/XXXXThese 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, XXXX as proof from the US 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