vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
This Account Was Paid off Long Time Ago, Now They are reporting Charge OFF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXXXXXX 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

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 2025-11-07 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: CA

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 non-monetary relief
Consumer complaint received 2025-11-07 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:
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 2025-11-07 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
XX/XX/year> I was a cosigner on a vehicle. This car was totaled out and a claim was filed with the insurance company which the insurance company paid off the claim. The only amount left whats the part that gap was supposed to pay it is now XX/XX/XXXX and Exeter finance is still reporting on my credit as a late payment. Exit of finance have damaged my credit and they are reporting unlawfully which I no longer have an account with with this company. This company is a second chance financing and they have charge my account over {$800.00} late fee Repeatedly, which is against the law with an interest rate of XXXX XXXX. I lived in the state of Texas and it is against the law to have an interest rate at XXXX XXXX the first person on the loan was my daughter XXXX XXXX, which she lives in Georgia. I have tried to rectify with this company for months and months to this day with no satisfaction this account is closed per the insurance company, which has paid off the amount of the vehicle. I wont Exeter to remove these lake charges that theyre still dinging my credit report this company is not a good company to deal with or do any business with customer service is very inexperienced and they read from a script when you called them and no one ever calls you back to try to rectify the situation. I have called many times and reported that this vehicle was totaled and the insurance is taken care of the claim they have been charged in my credit report at XXXX  days late since XX/XX/year> and its still charging my report its late to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Hello, I had signed up with Citi bank after I seen there sign on bonus and I heard very good things. Well here we are months later after Ive completed all the steps and I still have yet to receive my sign on bonus. Ive talked to XXXX different people this week. Someone telling me I have to wait until XX/XX/year> then someone told me yesterday it would be in my account by this morning. I just want my sign on bonus!

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 monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
On XX/XX/2025, I submitted a dispute to Equifax regarding an account I believe is inaccurate XXXX, The dispute was completed. After receiving the results, I submitted a written request for the method of verification under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 7 ) ) on XX/XX/2025 ( XXXX ) Equifax closed the dispute again but failed to provide the legally required description of how the information was verified. They did not include the procedure used to determine accuracy or identify the specific records reviewed by the furnisher. Instead, they only stated verified as accurate.

This response does not satisfy FCRA 611 ( a ) ( 7 ), which gives consumers the right to obtain a description of the verification procedure. I am requesting that Equifax provide the full method of verificationincluding the procedure used and the name, address, and contact information of the sourceor delete the account for failure to properly verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made a car payment using my Truist bank. The company closed down and transferred accounts to a new company. When I got the new statement from the new account the payments wasnt being applied to my loan. I disputed with Truist and one was reversed and the other one that was denied at first and I appealed it and was denied. I called to see why it was denied and was provided several different answers to why it was denied. I have filed several complaints and this will not stop until the other transaction is refunded. Please do not deny this as duplicate because of the cfpb cant resolve this will be escalated.

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 monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I am submitting this dispute as a consumer who is actively working on resolving issues with my credit. The accounts listed below have discrepancies or inaccuracies, and I am requesting the Bureau to investigate and resolve these issues according to the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX : Account number XXXX, opened XX/XX/XXXX, balance {$13000.00} INQUIRIES Open Lending : Account opened XX/XX/XXXX XXXX  XXXX : Account opened XX/XX/XXXX I dispute these inquiries as they may not have been authorized by me. Please investigate and remove any unauthorized or inaccurate inquiries from my credit file. 

LATE PAYMENT XXXX  : Account number XXXX I dispute the reported late payment on this account as it does not accurately reflect my payment history. I request verification and removal of any inaccuracies from my credit file. 

XXXX XXXX XXXX : Account number XXXX I dispute the reported late payment on this account as it does not match my records. I request the investigation of this item and removal of any inaccurate late payments.

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This is in relation to my last complaint for Amex. 

During a phone call with an American Express representative XXXX, apparently a supervisor, on XX/XX/year> at XXXX XXXX, I was told that some customers are given advance notice of credit limit reviews, while others receive none or only a few days notice. This suggests inconsistent treatment of similarly situated consumers and possible violations of the Equal Credit Opportunity Act. Please include this statement in my file. 

I have also recorded all conversations moving forward as evidence if this needs to turn into a class action lawsuit as many people online are stating the exact thing about Amex practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
AES American Education Services is not able to explain my persisting principle balance despite payments and auto withdrawal in excess of amount due over XXXX  year time span

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
A. Late Payments : Violating 15 U.S.C. 1681a ( 2Xi ) and related provisions.

B. Permissible Purpose Requirements : Violating 15 U.S.C. 1681b.

C. Furnisher Responsibilities : Violating 15 U.S.C. 1681 ( s ) -2.

D. Accuracy Standards : Violating 15 U.S.C. 1681e ( b ) and 1681i ( 5 ) ( a ).

E. Verification Requirements : Violating 15 U.S.C. 1681i ( 7 ). 

I AM AN UPSTANDING XXXX XXXX XXXX  AND XXXX XXXX. 

I am submitting this complaint against Ally Financial for falsely reporting a 30-day late payment on my account to consumer reporting agencies. I have never been late, and this derogatory entry is inaccurate and harmful. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), furnishers must provide complete and accurate information. Ally Financials failure to ensure accuracy violates federal law and undermines the integrity of the credit reporting system. Statutory Violations and California Protections Federal law requires Furnishers to investigate and correct disputed information ( 15 U.S.C. 1681s-2 ( b ) ). Ally Financial has failed to comply, as the false late payment remains despite my timely payments. Additionally, California law provides parallel protections : the California Consumer Credit Reporting Agencies Act ( Cal. Civ. Code 1785.25 ( a ) ) prohibits furnishers from reporting information they know or should know is inaccurate. Reporting a non-existent delinquency constitutes a violation of both federal and state law. This false reporting has caused measurable harm, including damage to my credit score, denial of favorable credit terms, and reputational injury. I respectfully request that the FDIC investigate Ally Financials noncompliance with federal and California consumer protection statutes and force immediate correction of the false late payment entry. 

Ally Financial Accnt # XXXX Opened XX/XX/XXXX Paid in Full as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IA

Complaint narrative:
I C Systems is reporting a collection account for a debt that I do not recognize and have never authorized them to collect. I have never signed any contract or agreement with I C Systems granting them permission to collect or report any account in my name.

I previously requested validation and proof of ownership, including documentation showing assignment from the original creditor and a copy of the original agreement. I C Systems did not provide these documents. Despite this, they continue to report the alleged debt to the credit bureaus. Reporting a debt without proper verification or proof of ownership violates FCRA 607 ( b ) and 623 ( a ) ( 3 ), as well as FDCPA 807 ( 2 ) ( A ) for false representation of the character or amount of a debt.

Because the account remains unverified, it must be considered inaccurate and unverifiable. Under FCRA 611 ( a ), unverifiable information must be corrected or deleted. I am requesting that this account be deleted from my credit reports unless I C Systems can produce valid written proof of ownership and authorization to collect.

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 2025-11-07 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: VA

Complaint narrative:
Equifax is reporting accounts on my credit file that I do not believe belong to me. These accounts are inaccurate, unverifiable, and reporting without permissible purpose. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents. Please see attached documents.

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

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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

Complaint narrative:
I am submitting this dispute with TransUnion regarding the following accounts, as I believe the information reported is inaccurate. Please verify these items and remove any unverifiable information from my credit report in accordance with the FCRA. 

XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Inquiries : I am also disputing the following inquiries that I believe are unauthorized or inaccurate. Please investigate and remove any incorrect or unauthorized inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX TransUnion ( TU ) : XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry : 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 non-monetary relief
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX Issues :

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 2025-11-07 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation