vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
I missed a payment on my credit line once months ago and I have been charged late fees for this one missed payment many times. I found out recently that it is illegal to charge a late fee more than once for a missed payment. I have recently been late on several payments to the bank because I am poor and XXXX and they will probably do what they did before and charge late fee repeatedly for many months. They may also demand that I pay all the money I am late on all at once which I don't have the money to pay. They have been robbing me in late fees for a long time. I didn't know it was illegal what they were doing.

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 2025-08-27 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: MO

Complaint narrative:
On or about XX/XX/scrub> 2025, I discovered that one or more derogatory accounts and unauthorized credit inquiries were appearing on my credit file, reported under the name XXXX XXXX, which is a legally protected, trademarked identity. I never granted written consent for any entity to report, transmit, or attach commercial debt to this name. 

I contacted the furnishing party and requested, under FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), full documentation, including the original signed application, the complete payment ledger, billing statements, and chain of assignment to confirm the legal right to report this account.

The company failed to provide this documentation. I also requested deletion from the credit bureaus and instructed that this not be processed through the e-OSCAR system, due to its inability to address contractual and trademark-based disputes requiring legal review.

Despite my formal request, the account and inquiries remain, and I have received no contract, no verification, and no signed authorization. This has caused material harm to my credit, including denials of funding and credit access. I have acted in good faith, yet the company continues to publish unverifiable, unauthorized data.

This constitutes both a failure to validate under the FCRA and a misuse of my legally protected identity, and I am requesting immediate intervention from the CFPB to ensure this is corrected.

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 2025-08-27 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: MO

Complaint narrative:
On or about XX/XX/scrub> 2025, I discovered that one or more derogatory accounts and unauthorized credit inquiries were appearing on my credit file, reported under the name XXXX XXXX, which is a legally protected, trademarked identity. I never granted written consent for any entity to report, transmit, or attach commercial debt to this name. 

I contacted the furnishing party and requested, under FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), full documentation, including the original signed application, the complete payment ledger, billing statements, and chain of assignment to confirm the legal right to report this account.

The company failed to provide this documentation. I also requested deletion from the credit bureaus and instructed that this not be processed through the e-OSCAR system, due to its inability to address contractual and trademark-based disputes requiring legal review.

Despite my formal request, the account and inquiries remain, and I have received no contract, no verification, and no signed authorization. This has caused material harm to my credit, including denials of funding and credit access. I have acted in good faith, yet the company continues to publish unverifiable, unauthorized data.

This constitutes both a failure to validate under the FCRA and a misuse of my legally protected identity, and I am requesting immediate intervention from the CFPB to ensure this is corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Ive been trying to get my credit report from Equifax for months, and this has become extremely frustrating. Back on XX/XX/year>, I mailed a written request with all required documents after being instructed to do so by an Equifax supervisor named XXXX. She specifically told me to send my identification, proof of address, Social Security card, and other documents so they could unlock my file, update my information, or send me a full copy of my credit report. I followed her instructions exactly. 

Since then, Ive called multiple times, but nothing has been resolved. On XX/XX/year>, I spoke with an agent named Loura ( Reference Call ID : XXXX ), and she assured me I would receive a confirmation letter once my file was updated. I never received anything. On XX/XX/year>, I called again and spoke first with XXXX, then with a supervisor named XXXX. Both told me that Equifax never received my XX/XX/XXXX documents, even though I mailed them as instructed. They also said the only documents they have on file are from my XX/XX/year> CFPB complaint, which are now considered invalid since more than XXXX  days have passed. 

This entire process has caused a lot of stress and confusion. I need to know the status of my credit file immediately. If my file is blocked, I want it unblocked. If my personal information isnt correct, I want it updated. And if Equifax claims I dont have a file at all, then they need to create XXXX under my correct details and provide me with a full, detailed copy of my credit report. 

It makes no sense that Experian and TransUnion are both reporting my credit information accurately, but Equifax is showing nothing at all. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), Equifax is required to maintain the maximum possible accuracy of consumer information and provide consumers access to their credit reports. I expect Equifax to comply with the law and handle this promptly. 

I need my full credit report so I can review my information and dispute anything that may be inaccurate. Equifax has delayed this long enough, and Im requesting immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: TX

Complaint narrative:
Debt Type : XXXX purchase balance purchase Amount Owed : {$220.00} Account Ending In : XXXX Debt Type : XXXX purchase balance purchase Amount Owed : {$590.00} Account Ending In : GOII Debt Type : XXXX purchase balance purchase Amount Owed : {$1000.00} Account Ending In : AHOB This is January reaching out about your account from XXXX XXXX XXXX with an overdue balance of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
This account was paid off in total in XXXX and its still showing in my credit report as I have a balance .. and its showing delinquent and its paid for ... I've disputed it and they say its stay on my credit report .I dont owe them money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
Company called Carter Young Inc. is a collection agency. They violate in my constitutional right in putting the item on my credit report that did not belong to me. They are not the original creditor by the statue 15 US 16 92C and 16 92G they can not collect this debt because theyre not the original creditor I like for it to be removed off my credit report I got in contact with XXXX  and they refused to remove it off my credit report. I gave him the codes and they didnt want to remove it. They allow me to file a dispute on this item and I appreciate that youre getting in contact with them and have it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ma XXXX XXXX XXXX, 2025 Collection XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Account Number XXXX To Whom It May Concern, I am writing in regard to the above-referenced account. Please consider this letter as a request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I respectfully request that you provide the following : 1. The name of the original creditor.

2. The amount of the alleged debt, including a breakdown of interest, fees, or other charges.

3. Copies of any judgment or agreement that you claim gives rise to the debt.

4. Verification that your agency is authorized to collect this debt in my state.

Until you provide this documentation, please cease all collection activities, including reporting this debt to credit reporting agencies. Be advised that any failure to provide the requested validation or continued collection efforts without it will constitute a violation of the FDCPA.

This letter is not an acknowledgment of liability for the debt in question. I expect your reply within the time frame allowed by law. 
Sincerely, 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 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXXXXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXXXXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXXXXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

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 2025-08-27 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute package to XXXX XXXX XXXX ( XXXX ) regarding a fraudulent collection account they are reporting. My submission included : A detailed dispute letter and affidavit of facts My FTC Identity Theft Report An invoice for damages Proof of identity All documents were properly attached to my original email. I have screenshot proof of the sent email with attachments. 

On XX/XX/year>, XXXX Compliance Manager replied claiming there were no attachments. This was false and misleading. Their denial obstructs my dispute and ignores the proof I provided. 

Today is Business Day XXXX since my original notice. By law, XXXX and the credit bureaus must block and delete fraudulent information once proper documentation is received. Instead, they are continuing to report this account, which was allegedly opened XX/XX/year>, but only reported on XX/XX/year> a discrepancy suggesting backdating. 



Laws violated FCRA 605B Failure to block fraudulent info after FTC Identity Theft Report FCRA 623 & 607 ( b ) Furnishing inaccurate info and failing to ensure maximum possible accuracy FDCPA 1692g Failure to provide proper validation notice within 5 days of first contact FDCPA 1692e False/misleading representation ( claiming attachments werent sent when they were ) FDCPA 1692f Unfair and unconscionable practices Harm caused Emotional distress and anxiety Risk of credit denials Wasted time and resources disputing a fraudulent debt

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 2025-08-27 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: GA

Complaint narrative:
I'm having a very hard time with experian credit reporting and also the TransUnion and equifax. I keep trying to dispute addresses that were not mine and accounts on my credit report that they are not mine. I sent over a police report and they are coming back a week later saying that the information is valid and it isn't. Half of the time I was in XXXX or XXXX  and it's public record they can pull it up I also sent over documents to them. XXXX  bank is one of the cards, XXXX  bank, XXXX bank, and XXXX XXXX XXXX bank and much more. I have given them a police report and all they keep telling me this is valid. I have addresses on my credit from XXXX years ago that were not mine at all. They told me they are valid when I disputed them. Half of them I was under XXXX so there is no way I could have stayed there. You have to be XXXX to rent an apartment. Im unsure what's going on but I have been disputing this since 2022 and they have stopped me from getting loans, getting jobs, getting any type of funding to start my business. Then they are also reporting inaccurate information and keep reporting that. This has hurt me tremendously and I need help they won't help me at all!

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 2025-08-27 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'm having a very hard time with experian credit reporting and also the TransUnion and equifax. I keep trying to dispute addresses that were not mine and accounts on my credit report that they are not mine. I sent over a police report and they are coming back a week later saying that the information is valid and it isn't. Half of the time I was in XXXX or XXXX  and it's public record they can pull it up I also sent over documents to them. XXXX  bank is one of the cards, XXXX  bank, XXXX bank, and XXXX XXXX XXXX bank and much more. I have given them a police report and all they keep telling me this is valid. I have addresses on my credit from XXXX years ago that were not mine at all. They told me they are valid when I disputed them. Half of them I was under XXXX so there is no way I could have stayed there. You have to be XXXX to rent an apartment. Im unsure what's going on but I have been disputing this since 2022 and they have stopped me from getting loans, getting jobs, getting any type of funding to start my business. Then they are also reporting inaccurate information and keep reporting that. This has hurt me tremendously and I need help they won't help me at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
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 XXXX 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 : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ALLY CREDIT CARD/CWS - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} THE XXXX XXXX - Account Number XXXX XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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