vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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 was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-17 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 am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
An unauthorized inquiry to be removed : [ 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 non-monetary relief
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking XXXX XXXX it shows the delivery date of XX/XX/year> at XXXX p.m. in XXXX, GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts XXXX XXXX  XXXX - {$2800.00} ( account XXXX XXXX XXXX XXXX XXXX {$5500.00} ( account XXXX XXXXXXXX ) Equifax failed XXXX respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
CFPB Complaint Statement ( TransUnion Specific Account Dispute ) I am submitting this new complaint specifically regarding TransUnion, to clarify and correct a previously submitted complaint. 

In my earlier filing, I mistakenly submitted the dispute in a general format, which resulted in data and account details from other credit bureaus ( Experian, Equifax ) being included in the complaint against TransUnion. That was not my intention. 

To ensure full accuracy and proper handling, I am now filing this complaint again, with clear and specific reference to the exact accounts that I am disputing within TransUnion only. 

This revised complaint is meant to correct the scope of the previous submission and to clearly request investigation and removal of the specified incorrect personal information and as inaccurate data being reported to TransUnion.

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 2025-07-17 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
issue We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am filing this complaint against LexisNexis Risk Solutions for gross violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Maintaining XXXX separate, fragmented consumer files under my identity each with varying or conflicting information. Failure to properly reinvestigate and confirm removal of a disputed bankruptcy record, despite written proof that it was removed from their system in XX/XX/XXXX. Providing a false and misleading written statement on XX/XX/XXXX, claiming they could not locate the dispute-related data directly contradicting their own prior disclosures. Failure to provide a full file disclosure under FCRA 609. Failure to ensure maximum possible accuracy of my consumer file as required under FCRA 607 ( b ). Failure to consolidate and reconcile fragmented files, causing harm to my credit standing, ability to verify identity, and risk of misreporting to third parties. FACTS OF THE CASE : I submitted a dispute to LexisNexis regarding an inaccurate bankruptcy record. The bankruptcy record was confirmed deleted on or about XX/XX/XXXX, per LexisNexis Consumer Disclosure documentation in my possession. On XX/XX/XXXX, LexisNexis falsely stated in writing that they could not locate data related to my dispute despite prior documentation proving the bankruptcy had already been removed. I have identified XXXX ( XXXX ) different Consumer Numbers LexisNexis has created under my identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maintaining multiple, unreconciled files for the same consumer is a direct violation of FCRAs accuracy and disclosure provisions. LexisNexis has not provided a full 609 file disclosure nor responded adequately to my repeated written demands for correction and clarification. Their actions ( and inactions ) are willful, deceptive, and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
This debt collector ( XXXX XXXX XXXX XXXX XXXX  ) engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished XXXX account on my Equifax and XXXX on my transunion  that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX XXXX  and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I recently reviewed a copy of my credit report and was shocked to discover that I am a victim of identity theft. I found multiple accounts that were not opened by me, which have been damaging my credit. Please remove these fraudulent accounts from my report immediately. I am requesting that the company does what is fair and deletes the items identified as identity theft from my 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 2025-07-17 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:
I recently reviewed a copy of my credit report and was shocked to discover that I am a victim of identity theft. I found multiple accounts that were not opened by me, which have been damaging my credit. Please remove these fraudulent accounts from my report immediately. I am requesting that the company does what is fair and deletes the items identified as identity theft from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to discover that I am a victim of identity theft. I found multiple accounts that were not opened by me, which have been damaging my credit. Please remove these fraudulent accounts from my report immediately. I am requesting that the company does what is fair and deletes the items identified as identity theft from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  CA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX - Please remove it from my credit report. 

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX - Please remove it from my credit report. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX  - Please remove it from my credit report. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX  - Please remove it from my credit report. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX XXXX - Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  CA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX - Please remove it from my credit report. 

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX - Please remove it from my credit report. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX  - Please remove it from my credit report. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX  - Please remove it from my credit report. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX XXXX - Please remove it 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 non-monetary relief
Consumer complaint received 2025-07-17 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 was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
Aidvantage has both inaccurately reported my student loan account and refused to provide reasonable goodwill relief. 

In their previous response to my CFPB complaint, they cited that the reporting of a XXXX late mark in XXXX was accurate based on a payment due XX/XX/year>. While I accept that determination ( even though the balance was only {$55.00} and I have since brought it current ), I am now disputing a new and factually incorrect credit report update showing my loan as 90 days late in XX/XX/year>. 

A payment due XX/XX/year> can not possibly result in a XXXX late status in XX/XX/year>. That is mathematically and procedurally impossible under the Fair Credit Reporting Act ( FCRA ), which defines 90 days late as XXXX full billing cycles ( XXXX days ) past due, which in this case would not occur until at least XX/XX/year>. 

Additionally, Aidvantages failure to acknowledge or correct this error even after my dispute with XXXX  is harmful, negligent, and misleading. My credit score has plummeted from the XXXX to around XXXX as a result of this issue, despite the fact that the new derogatory item is clearly false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: WA

Complaint narrative:
I was informed via email on applications submitted to US Bank for multiple checking and savings accounts. I immediately contacted them, sitting on hold for 60+ minutes and explained this was not me. Shortly thereafter, I received congratulations emails that the accounts were in fact opened and an email after changing my email address. When I spoke to Fraud rep, she explained that this is how the fraudsters go about it. I then called back multiple times and was told it was escalated and paperwork was being sent. I received paperwork, followed proper protocol and faxed in and verified by multiple folks they received it. I then was contacted by a local rep welcoming me to US Bank and if I needed help depositing. I then yet again explained it was NOT ME and identity theft occurred. He then proceeded to tell me he was fixing it. I then received statements that had activity and yet another phone call from same individual welcoming me 2 weeks later! I had to again tell him it wasn't me. He called the fraud line and they said it was set to be identity theft 2 weeks later. I then got letters stating they never received anything from me and closed the identity theft case!!! Not sure how many times I have to tell them it wasn't me and they agreed! This is a consumer violation and I would like to seek damages for much time spent and who knows what else the fraudster is doing now with these accounts.

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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Re : open complaint XXXX Status list open as of XX/XX/XXXX, no update since that time. I had complained about chime opening and unsolicited checking and credit card account for me and demanded immediate closure of the account. It is still showing on my credit report, although chime has sent me documentation saying that the account has been canceled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I asked the company to close the accounts they told me they were closing them but still accepting deposits

Company response to consumer: Closed with explanation