vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
I am disputing inaccurate late payments on a closed and paid XXXX  XXXX XXXX credit card account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX with a {$0.00} balance. Despite being closed over XXXX years ago, this account still reports XXXX and XXXX late payments, including as recently as XXXX and XX/XX/XXXX, which is clearly erroneous. 

I submitted disputes to TransUnion and Equifax, both of which came back marked as verified as accurate. However, when I called XXXX XXXX  XXXX directly and provided my full identifying information, they informed me that they could not locate the account at all. A representative explained that the account may have been purged from their system due to the amount of time that has passed. 

If XXXX  XXXX XXXX no longer has the account in their system, it is impossible for the credit bureaus to have properly verified the disputed information. According to the Fair Credit Reporting Act ( FCRA 611 ), any item that can not be verified must be deleted. The continued reporting of unverifiable and outdated late payments violates the FCRA and harms my creditworthiness. 

Ive submitted multiple disputes with supporting documentation and have exhausted efforts to resolve this with the credit bureaus directly. Im now requesting the CFPBs assistance to enforce proper credit reporting and ensure this inaccurate information is 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 non-monetary relief
Consumer complaint received 2025-07-11 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: CBC Companies, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. My personal information, including my Social Security number and date of birth, was compromised in multiple data breaches, specifically involving XXXX  and XXXX. 

As a result of these breaches, unauthorized individuals have used my identity to open multiple fraudulent accounts and attach addresses to my credit file that I have never lived at. These accounts were opened without my knowledge or consent, and I am not responsible for them. 

I discovered the following accounts on my credit reports that are fraudulent or improperly reported : 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 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 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 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, GA XXXX I have never resided at any of these addresses and did not open any of the accounts listed above. I am requesting assistance in blocking and removing this fraudulent information from my credit reports, as provided for under the Fair Credit Reporting Act ( FCRA ) XXXX. I have included a signed identity theft affidavit, proof of my identity, and proof of my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. My personal information, including my Social Security number and date of birth, was compromised in multiple data breaches, specifically involving XXXX  and XXXX. 

As a result of these breaches, unauthorized individuals have used my identity to open multiple fraudulent accounts and attach addresses to my credit file that I have never lived at. These accounts were opened without my knowledge or consent, and I am not responsible for them. 

I discovered the following accounts on my credit reports that are fraudulent or improperly reported : XXXX XXXX XXXXXXXX ( Acct # unknown ), Balance {$19000.00} XXXX XXXX XXXX XXXX ( Acct # XXXX and Acct # XXXX ), Totaling {$31000.00} XXXX XXXX  ( Acct # XXXX ), Balance {$3900.00} XXXX XXXX XXXX ( Acct # XXXX ), Balance {$2100.00} XXXX XXXX  ( Acct # XXXX ), Balance {$27000.00} XXXX XXXX XXXX XXXX  ( Acct # XXXX ), Balance {$29000.00} In addition, the following addresses have been added to my credit file fraudulently : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at any of these addresses and did not open any of the accounts listed above. I am requesting assistance in blocking and removing this fraudulent information from my credit reports, as provided for under the Fair Credit Reporting Act ( FCRA ) 605B. I have included a signed identity theft affidavit, proof of my identity, and proof of my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NV

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) to report serious violations related to the reinsertion of fraudulent accounts that were previously deleted following identity theft disputes. These accounts reappeared on my credit report without any written notice, as required under federal law.

FCRA Violations : 1. FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Without Notice When a deleted item is reinserted into a consumers credit report, the CRA must notify the consumer within 5 business days and disclose the furnishers name, address, and phone number.

I was never notified of these reinsertions.

2. FCRA 605B Failure to Block Identity Theft Accounts Once a valid Identity Theft Report is provided, the CRAs must block and exclude fraudulent accounts from further reporting.

Despite my report, these accounts reappeared and remain active.

3. FCRA 609 ( a ) Lack of Disclosure CRAs must provide full access to information in a consumer file, including the source of any reinserted data. 
I was denied that transparency. 



Reinserted Fraudulent Accounts : XXXX XXXX XXXXXXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX XXXXXXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX These accounts were opened fraudulently, previously disputed, and deleted. Their reappearance without proper notification is a direct violation of the FCRA. 



Additional Misuse of Personal Information : My credit report also includes false employment information listed as : XXXX XXXX  This is inaccurate and was not provided by me. 



Requested Resolution : 1. Permanent deletion of all fraudulent accounts and misused personal data from all CRAs ( Experian, Equifax, TransUnion ).

2. A written explanation from the CRAs disclosing : The furnishers of the reinserted data, Why I wasnt notified within the 5-day FCRA window.

3. A block on any future reinsertion unless full compliance with FCRA 611 ( a ) ( 5 ) ( C ) is met.

4. A formal CFPB investigation into the furnishers and credit bureaus involved.

5. Optional : I reserve the right to seek monetary damages under : FCRA 616 for willful violations, FCRA 617 for negligent violations. 



Attached Documentation : FTC Identity Theft Report # XXXX Sincerely, 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-11 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: NY

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies
State: FL

Complaint narrative:
Date Submitted : XX/XX/XXXX Company : Prestige Financial Services Inc. 
Product : Vehicle Loan or Lease ( Used ) Vehicle : XXXX XXXX XXXX ( XXXX : XXXX ) Dealer : XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Main Issues Reported : XXXX. Quoted price was {$24000.00}, but financed amount was {$25000.00} and Total Sale Price was {$52000.00}. 
XXXX. Fees added without consent : XXXX ( {$990.00} ), pre-delivery service ( {$990.00} ), electronic filing ( {$490.00} ). 
XXXX. APR of 23.83 % not clearly disclosed alleged TILA violation. 
4. Repossession occurred from consumers current address while notices were mailed to an old address violation of UCC 9-611 and Florida law . 
XXXX. No proper right to cure notice given before repossession. 
XXXX. Down payment of {$3000.00} not applied to loan or principal confirmed in recorded call with XXXX. 
XXXX. XXXX agent ( XXXX ) used pressure tactics and refused to identify himself fully. 
XXXX. Harassment and FDCPA violations : XXXX contacted third parties ( consumers mother ) with calls and voicemails. 
Attachments Submitted : - Auto Fraud Complaint Letter ( PDF ) - Contract Documents- Address Mismatch Proof - Audio Recording of Call with Prestige Agent - Supporting Screenshots ( XXXX XXXX XXXX ) - Auto Loan Complaint Summary - Transcript Evidence Summary

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-07-11 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-11 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Im filing a complaint against Barclays Bank ( JetBlue XXXX XXXX ) due to misleading and inconsistent information regarding interest charges on my credit card account. 

On my XX/XX/year> statement, Barclays explicitly stated : " If you do not carry a Purchase balance subject to interest ( excluding XXXX XXXX ) from month to month, you can avoid paying interest on your Purchases ( excluding XXXX XXXX  ) by paying {$5900.00}. '' I paid over {$12000.00} before the due date ( XX/XX/year> ), yet I was still charged interest on the XX/XX/year> statement including {$95.00} in interest on standard purchases ( {$74.00} + {$20.00} ), in addition to interest on balance transfers. 

Barclays representatives have since told me : That I had to pay the entire statement balance of {$14000.00} ( not the {$5900.00} listed on the statement ) to avoid interest, That residual interest applied from prior-cycle purchases, and That going forward, I wont be charged interest if I pay in full. 

This directly contradicts their own To avoid interest language, which is displayed on every monthly statement not just this one and is presented as a clear directive for avoiding interest on purchases. This is not the first time Ive encountered confusion or misleading results after following that guidance. Despite paying well above the Avoid Interest amount multiple times, I have still been charged interest unexpectedly. 

Barclays customer service has failed to explain this discrepancy or offer any accountability, refund, or adjustment. I believe this constitutes a transparency and disclosure issue, especially since the Avoid Interest amount implies that no further interest will apply when paid and no warning is provided about residual interest or additional conditions. 

I am requesting that this issue be reviewed and that Barclays be required to : Refund the improperly charged interest Clarify or correct the Avoid Interest section on their statements to ensure it reflects the actual terms and outcomes. 

Make it clear going forward what I need to pay to avoid interest on STANDARD PURCHASES.

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 2025-07-11 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: TX

Complaint narrative:
there are several inaccuracies on my credit report that needs attention

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-11 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief