vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one denied theft charges which money was stolen from me. One for {$750.00} and the other {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
b'I am submitting this as my seventh formal dispute regarding serious and ongoing inaccuracies that\ncontinue to appear on my Experian and TransUnion credit report despite six prior dispute submissions. The fact that these\nitems remain reported after repeated notifications demonstrates a continued failure to ensure maximum\npossible accuracy as required by the Fair Credit Reporting Act. These unresolved errors are materially\ndamaging my credit profile, misrepresenting my financial history, and causing ongoing harm to my ability to\nobtain credit on fair and reasonable terms. I am again demanding a complete reinvestigation and lawful\ncorrection of all disputed information in full compliance with FCRA XXXX(b), XXXX(a), XXXX(a), XXXX(a)(XXXX)(A), and\XXXX(a).\n\XXXX  CARD XXXX Balance Owed: $XXXX\XXXX XXXX Balance Owed: $XXXX\XXXX XXXX XXXX\XXXX XXXX XXXX XXXX XXXX\n\XXXX  XXXX XXXX XXXX, NC 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 2025-12-23 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I had gm credit card for over 11 years. They took them over from XXXX XXXX. First Barclays tried to say they never received any info on my account. XXXX said everything was sent over Come to find out Barclays sent to a collection agency with a XXXX balance. But they want to blame everyone else. They are a horrible company to work with. So now I'm out of my credit card and all the points I had accumulated

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 2025-12-23 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: AR

Complaint narrative:
I am following up on my previous complaint regarding numerous inaccuracies, outdated information, and unauthorized reporting on my credit reports from Equifax, Experian, and TransUnion. Specifically, accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to show late payments despite a XXXX balance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported as a charge-off with incorrect balances and dates, and collections such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appear on my reports beyond the seven-year reporting limit with inaccurate dates of first delinquency and balances. Additionally, the repossession account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  contains incorrect amounts and reporting dates. Multiple hard inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  appear on my credit reports without my authorization or verification. These inaccurate, outdated, and unauthorized entries continue to violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the District of Columbia Consumer Protection Procedures Act ( DCPA ), including provisions governing accurate reporting, proper dates of first delinquency, dispute rights, and permissible inquiries.

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 2025-12-23 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 submitting this sixth-round dispute to formally challenge the continued reporting of inaccurate information on my Equifax and Experian credit report, specifically concerning the reporting of an incorrect address and a charge-off account that does not accurately reflect my records. Despite my previous disputes and the documentation I have provided, these items remain inaccurately reported, which misrepresents my credit history and continues to adversely affect my creditworthiness. I am requesting a thorough reinvestigation, verification, and updating of these items in full compliance with the Fair Credit Reporting Act ( FCRA ), including but not limited to 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 2 ), and 605 ( a ), to ensure that my credit report reflects only complete, accurate, and verifiable information. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, NC XXXX The continued presence of these inaccuracies materially affects my ability to obtain credit on favorable terms, increases the risk of higher interest rates, and exposes me to potential financial harm. Under FCRA 605 ( a ), any obsolete or unverifiable information must not remain on my credit report. I am exercising my rights under FCRA 609 ( a ) to request full disclosure of all information relied upon in reporting these accounts, including documentation provided by the original creditor to support the reported balance and status.

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 2025-12-23 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was given a letter from Nordstrom Card Services that they are informing me that they declined an application for a new credit card because they were unable to verify the information provided on the application. The letter was dated XX/XX/XXXX. I reached out to Nordstrom card services and they informed me that I should call the credit bureaus to resolve the issue, because there was a hit on my credit. I checked XXXX XXXX and it showed notifications of credit inquiry XX/XX/XXXX for Nordstrom/ TD bank USA . I spoke to XXXX XXXX and they directed me to XXXX. By XX/XX/XXXX XXXX XXXX Restoration Specialist |XXXX, a part of XXXX  called me and explained that I should contact SSA to make sure I do not have any benefits under my name. I called them on XX/XX/XXXX and they reassured that I have nothing to worry about. XXXX  also suggested that I put a freeze on all 3 credit bureaus, which I did today. I was advised to make a complaint in FTC, which is what I am doing today XX/XX/XXXX. And I will file a police report sometime today. XXXX from XXXX  told me that they are investigating and working on reversing the credit hit I recieved from the fraudulent activity of trying to open a new credit card through Nordstrom under my name. They put in all my information including SS #, address and name. A while back I recieved notification from XXXX  XXXX that I had a data breach ( XX/XX/XXXX ) of my SS #. And then another data breach notification : We found information on the dark web that may belong to you. Take a closer look and get steps to help protect your identity : Email and password ( XX/XX/XXXX ). And since then I have made a 2 step verification for my emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was given a letter from XXXX XXXX XXXX that they are informing me that they declined an application for a new credit card because they were unable to verify the information provided on the application. The letter was dated XX/XX/XXXX. I reached out to XXXXXXXX XXXX XXXX  and they informed me that I should call the credit bureaus to resolve the issue, because there was a hit on my credit. I checked XXXX XXXX and it showed notifications of credit inquiry XX/XX/XXXX for XXXX XXXXXXXX XXXX XXXXXXXX XXXX I spoke to XXXX XXXX and they directed me to Experian. By XX/XX/XXXX XXXX XXXX Restoration Specialist |CSID, a part of Experian called me and explained that I should contact XXXX to make sure I do not have any benefits under my name. I called them on XX/XX/XXXX and they reassured that I have nothing to worry about. Experian also suggested that I put a freeze on all 3 credit bureaus, which I did today. I was advised to make a complaint in FTC, which is what I am doing today XX/XX/XXXX. And I will file a police report sometime today. XXXX from Experian told me that they are investigating and working on reversing the credit hit I recieved from the fraudulent activity of trying to open a new credit card through XXXX under my name. They put in all my information including SS #, address and name. A while back I recieved notification from XXXX XXXX that I had a data breach ( XX/XX/XXXX ) of my SS #. And then another data breach notification : We found information on the XXXX XXXX that may belong to you. Take a closer look and get steps to help protect your identity : Email and password ( XX/XX/XXXX ). And since then I have made a 2 step verification for my emails.

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 2025-12-23 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: PA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received this text message : Incoming Transact : You've got a XXXX  direct deposit, but it's held. Complete at XXXX XXXX XXXXXXXX. Reply STOP to opt out. 
I was expecting a payment from a customer to arrive. Therefore my immeadiate reaction was to click the link. It immediately opened a page which read : your incoming payment is pending. Verification required before funds can post. It contained my full name. Thereafter I googled the XXXX company to verify if it was a know portal to transfer funds. I read it as XXXX. I continued with the process. It asked for names, phone numbers, ssn, bank account info email password. It directed to various things including XXXX way authentication from my email. At this point im thinking why is this becoming so difficult to open an account with this company. It started asking for my phone carrier account XXXX  and pin XXXX  which i was told is to transfer the phone to another company. I called the customer and he says he did not try to send any payment yet. I immediately called my bank and spoke to a fraud rep to help handle my case. I've changed passwords and now Im writing to let my mishap be known. I hope this helps others. I pray this doesnt hurt me in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: OK

Complaint narrative:
I never opened or authorized this account, and it is being reported incorrectly under 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 non-monetary relief
Consumer complaint received 2025-12-23 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: OK

Complaint narrative:
I never opened or authorized this account, and it is being reported incorrectly under 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 2025-12-23 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
i noticed XXXX unauthorized inquires on my credit report. these inquires are preventing me from being able to get a new vehicle to travel to and from work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of XXXX XXXX. An account was opened/used without my authorization. I did not apply for, authorize, or benefit from this account. I have disputed this account with the company and/or credit bureau XXXX but it has not been resolved. I am requesting immediate removal of all fraudulent information, cessation of collection activity, and written confirmation of resolution under the Fair Credit Reporting Act ( 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 2025-12-23 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: MD

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 XXXX - XXXX INQUIRIES : XXXX XXXX XXXX XXXX - XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I am NOT claiming identity theft. 

My credit reports contain inaccurate and inconsistent reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX and XXXX XXXX Bank, including conflicting account status, balances, dates, and dispute remarks. This violates 15 U.S.C. 1681g ( a ) ( 1 ).

I disputed these errors under 1681i ( a ) ( 1 ) ( A ), but they remain uncorrected. I also requested verification procedures under 1681i ( a ) ( 6 ) ( B ) ( iii ), which were not properly provided. The continued reporting of contradictory information fails to meet FCRA accuracy requirements.

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 2025-12-23 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: GA

Complaint narrative:
I am NOT claiming identity theft. 

My credit reports contain inaccurate and inconsistent reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX and XXXX XXXX Bank, including conflicting account status, balances, dates, and dispute remarks. This violates 15 U.S.C. 1681g ( a ) ( 1 ).

I disputed these errors under 1681i ( a ) ( 1 ) ( A ), but they remain uncorrected. I also requested verification procedures under 1681i ( a ) ( 6 ) ( B ) ( iii ), which were not properly provided. The continued reporting of contradictory information fails to meet FCRA accuracy requirements.

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 2025-12-23 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: IL

Complaint narrative:
This account is not mine and has been wrongfully added to my credit report with misleading and incorrect information.

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 2025-12-23 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: VA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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