vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone may have used my information to open up this account after it was leaked in the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is saying I had a 30 day late XXXX XXXX and XXXX and XXXX I have statement showing they was payed on time I have sent to all the creditors and Equifax is the only one that has removed it the othere to has told me they will not remove it i need help on what I can do to make them remove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I am having an issue with XXXX XXXX XXXX XXXX and the Department XXXX XXXX XXXX My credit information is inaccurate. I checked on XXXX of the credit bureaus, XXXX, and I looked at my accounts and saw that for the auto loans, I have XXXX different accounts on there when I should only have XXXX account. I do not own another vehicle. I looked at the listed names and social security number variations and saw that my twin brother, XXXX XXXX, was on my account. That is not my name, nor do I go by that other name. That is a real and different individual. So, because of this error, I see that my auto loans have basically doubled in accounts, further affecting my credit score and my well-being, and it is not fair to me. I checked my student loans and saw that I have XXXX different accounts when I should really have only XXXX different accounts. Again, I can tell that the other set of student loan accounts belongs to my twin brother XXXX. The first set of student loan accounts basically goes from XXXX to XXXX together, and then, as I scrolled down, it's another set going from XXXX to XXXX, so I can tell those accounts belong to him, not me. I have already tried calling XXXX XXXX XXXX XXXX about this issue a few months ago on many occasions, but they told me that they don't show more than a single loan on my account.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
My Affirm savings account was frozen on XX/XX/year>. Other than a short email saying this was done to keep others from using or abusing it, I have been sent no other information. I have called 5 times and have been told there is no way to contact the fraud Department directly. The people I do talk to have said this or that and that it can take up to 30 days. Nobody has reached out to ask for my information to try to resolve any questions they have. Today I was sent around until I was hung up on. I have been saving and really want to be able to access the money I've been saving! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX - Balance {$470.00} XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX - Balance {$1000.00} XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX - Balance {$0.00} XXXX  # XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX - Balance {$960.00} XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XXXX Balance {$650.00} XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXDate Opened XXXX Balance {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: NY

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
XX/XX/year> I got alert and notification that my money of {$2000.00} was transferred out my account it was {$220.00} in my savings account and {$1800.00} in my credit builder account my money was moved from my savings account to my credit builder account and to my checking I never got alert or notification when it was getting moved around in my account and my alerts and notifications was on to alert all moves in my account and my money was transferred out my account to someone and then refund back into my account and then transfer back out my account to some unknown person and then transfer to some unknown person and transfer to someone else and then another person I finally got alert when they said someone I never heard of or knew receive my money amount of {$2000.00} and left work like at XXXX a.m. and went to police station and filed a report about the money and told chime to open dispute for the money that I didnt transfer and they open dispute for {$4000.00} when I never had that amount to make that type of claim for so they open the same dispute for that amount like 3 times when I never said I had that much missing to open dispute about I just wanted my XXXX I had in my account and they open it and then close it the next day And said no errors was made and I gave them all documents they ask for police report number time sheet from that day saying I was at work and screenshots of my notification and alerts I never received when money was moving around and transferred out then refund then out again and and transfer multiple times to someone else unknown people I had no knowledge about my money getting taken from me out my account and they keep saying there was no error made in my account which is a lie I have recording of them and all and they putting me on a loop about my money getting taking from my account and also whoever took my money they also after the money was gone shut my savings account and credit builder account down

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX? XXXX XXXX XXXX XXXXXXXXXXXX XXXX Previous incident COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Checking or savings account ISSUE Managing an account

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 2025-10-03 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: LA

Complaint narrative:
These accounts do not belong to me and should not be reporting on my consumer report. These accounts are in violation according to FCDPA Section 807 violation misleading false 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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Despite my repeated requests, XXXX XXXX XXXX has not provided the required documentation to validate these alleged debts. Reporting unverified information violates the Fair Credit Reporting Act. Therefore, I insist that these accounts be removed from my credit bureau records. 

XXXX XXXX XXXXXXXX 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 2025-10-03 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: PA

Complaint narrative:
I am submitting this formal complaint regarding XXXX XXXX  inaccurate and misleading reporting of my account information to the credit reporting agencies TransUnion, Experian, and Equifax. These inaccuracies have severely impacted my credit profile and violate my rights under federal law. 

The XXXX XXXX account in question is reporting the following : - Incorrect credit limits and high credit values across bureaus ( Experian and Equifax inconsistencies ). 
- Contradictory and misleading comments ( e.g., reported as 'closed due to inactivity ' while also reported as a charge-off ). 
- Balance and past due amounts remain after charge-off, which is misleading and inaccurate. 
- Payment history reflects 'OK ' after serious delinquencies/charge-off, which is impossible. 

These actions violate the following laws : - Fair Credit Reporting Act ( FCRA ), 607 ( B ) : Requiring maximum possible accuracy.

- FCRA, 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information known to be inaccurate.

- FCRA, 611 : Consumer right to dispute incomplete or inaccurate information. 
- Federal Trade Commission ( FTC ) & CFPB guidance : Prohibiting misleading or contradictory 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 2025-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Today I was purchasing a ticket and saw a promotion for the XXXX XXXX XXXX XXXX XXXX XXXX offering a {$250.00} statement credit upon applying for the card and having it approved. I followed the process exactly as instructed, and the card was approved immediately. However, when I tried to pay and use it right away to complete the ticket purchase, there was no card number available. 

I called and spoke with seven different representatives, including four supervisors, and each gave me different information. Some told me I had to wait for the physical card, others said to wait for an email or text with a temporary card number, and others said there was no way to obtain that information. 

Recognizing that no one could assist me, I requested to cancel the card, and again, everyone gave different answers; some said I had to wait three days, others four, and others five. 

In the end, no one was able to assist me in completing my airline ticket purchase when I urgently needed it, as I am an XXXX service member in the middle of an emergency.

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 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

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 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 2025-10-02 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-03 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) # XXXX XX/XX/XXXX -- {$19000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$8000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX. ) # XXXX XX/XX/XXXX -- {$18000.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-10-03 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-03 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Late payment entries on my credit report appear to be inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only accurate, complete, and verifiable information. I request that these entries be verified, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: NY

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: MI

Complaint narrative:
I had {$400.00} in my MoneyLion XXXX banking account they are refusing to return my money.

Company response to consumer: Closed with explanation