vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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 filing this complaint because XXXX  is reporting multiple inaccurate items on my credit report, including duplicate accounts, re-aged accounts, inconsistent information, and incorrect late-payment histories. These are new violations that were not part of my prior complaints and represent ongoing harm.

1. Duplicate accounts XXXX  is reporting multiple versions of the same accounts as separate tradelines.

Examples : XXXX ( same account number ) reported twice with different open dates. 
XXXX reported twice under different names. 
XXXX appears more than once. 
XXXX is reported differently than the other bureaus.

2. Conflicting and inconsistent information XXXX  reports information that contradicts TransUnion and XXXX.

Examples : XXXX XXXX shows 10 late payments on XXXX, but TransUnion shows 0 and XXXX  shows 4. 
XXXX mortgage shows different status and payment information on each bureau.

Some accounts appear on XXXX  but not on the other bureaus.

3. Re-aged accounts Accounts from XXXX now show Date Reported in XXXX, which is not permissible and artificially damages my score.

4. Failure to conduct a reasonable investigation XXXX  previously marked my disputes as verified, but the accounts remain duplicated, re-aged, or inconsistent.

This violates FCRA 611.

5. Missing original creditor information Some accounts ( including collections ) are missing required information such as the original creditor, violating FCRA 609 ( a ) ( 1 ).

These errors have caused a severe drop in my credit score and ongoing financial harm.

I am providing screenshots as evidence.

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 2025-11-18 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: CA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IA

Complaint narrative:
Attached to this complaint is XXXX police reports from the XXXX Police Department that was requested by Experian, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
Attached to this complaint is 2 police reports from the XXXX Police Department that was requested by XXXX, XXXX  and Chex Systems.

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 2025-11-18 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: OH

Complaint narrative:
I just checked my credit report and i noticed that i had some inaccurate information in my credit report along with some fraudulent account. they are affecting my ability to obtain credit so therefore I am submitting this complaint regarding inaccurate and fraudulent accounts reported on my consumer report that do not belong to me. These accounts are negatively impacting my ability to obtain credit, secure financial services, and conduct normal borrowing activities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information they report. Additionally, under 15 U.S.C. 1681i, I have the right to a reasonable re investigation of any disputed information, and under 15 U.S.C. 1681s-2, furnishes are prohibited from reporting information they knowor should knowis inaccurate. Furthermore, under 15 U.S.C. 1681c-2, I am requesting the blocking and removal of these fraudulent accounts due to identity theft and unauthorized use of my personal information. I am requesting immediate deletion of all inaccurate and unauthorized information and confirmation of compliance. These errors have caused substantial harm to my financial reputation and have hindered my access to credit and essential financial resources.

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 2025-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am disputing an unauthorized credit inquiry made by Capital One Auto Finance and their failure to properly investigate and remove the inquiry after I submitted a written dispute and a CCPA privacy request. 

On XX/XX/year>, I sent Capital One Auto Finance a written notice stating that a dealership submitted a credit application to Capital One without my authorization. I never gave the dealership permission to transmit my personal information, and I did not apply for credit with Capital One Auto Finance. I requested that Capital One retract the application, remove the unauthorized inquiry, confirm that no account or tradeline was created, and honor my CCPA privacy opt-out and disclosure request. 

Capital One responded on XX/XX/year>, but refused to remove the inquiry unless I provide a dealership letter or a police report. This is not required under the Fair Credit Reporting Act. Capital One must conduct a reasonable investigation based on its own records and is not allowed to shift the burden back to me to obtain documents from the party that caused the problem.

Capital One did not provide any proof that I authorized the inquiry, did not provide any copy of an application, and has not produced any documentation showing consent, authorization, or permissible purpose. They also did not acknowledge or respond to my CCPA request, which requires acknowledgment in 10 days and a full response in 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened a CareCredit ( issued by Synchrony Bank ) account to pay a dental XXXX bill of close to {$1400.00} ( around XX/XX/XXXX ) under a promotional no-interest plan with monthly payments of {$110.00} In XX/XX/XXXX ( XX/XX/XXXX ) they charged entire amount ( {$1400.00} ) from my checking account. I questioned that amount supposed to be changed on monthly basis instead of all in XXXX. 
Later in XX/XX/XXXX ( XX/XX/XXXX ) : {$1400.00} refund was credited to my account, along with that also received refund check of {$1300.00} ( deducting {$110.00} premium ). I immediately contacted CareCredit customer service about the additional refund of {$1400.00}. They assured me that I could continue paying same {$110.00} per month over the period to pay off the additional refunded amount. Based on this guidance, I continued making monthly payments of {$110.00}. At no point was I informed that the additional {$1400.00} was also subject to the same XXXX promotional period. Had I known, I would have either returned the refund or increased my monthly payment to cover both amounts and pay off all within a year. 
In XX/XX/XXXX, the promotional period expired, and CareCredit began charging retroactive/deferred interest on the refunded amount which very higher of {$750.00}. This was unexpected and contrary to what I was told. Since then, interest has continued to accrue. I have consistently paying paid {$110.00} per month for now. 
I have disputed the interest charges with CareCredit since last XXXX  months, but my complaint was rejected. I believe this constitutes misrepresentation and unfair practice, as I was not properly informed of the terms and was given incorrect guidance by their representatives. I feel this practice ( additional amount ) is intentional and designed to create large interest charges after the promotional period ends. 

Attached XX/XX/XXXX refund bank statement, check screen prints for reference.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp.
State: CA

Complaint narrative:
My XXXX account is being reported inaccurately and inconsistently across all three credit bureaus. The account was charged off in XXXX, but XXXX and the collection servicer posted payment activity in XXXX after the account was already closed. This is impossible and violates FCRA accuracy requirements.

One bureau shows the status as Paid in Full Was Charge-Off, another shows {$31.00} Written Off, and another still lists the balance as unpaid. The bureaus also show different high balances, different credit limits, and multiple years of repeated Charge-Off codes, which is improper re-aging. XXXX also marked the account as Company Sold, even though the debt was not sold ; it was only placed with a servicer.

The last payment date, close date, charge-off date, and removal date vary across bureaus and contradict each other. The account shows negative activity in months after it was closed, which is inaccurate. My payment in XX/XX/XXXX was not updated consistently across bureaus, and some show a balance of {$0.00} while others still show {$31.00} owed. 

These inconsistencies violate the FCRA requirement for maximum possible accuracy. I am requesting deletion of this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports maintained by Experian, Equifax, and TransUnion, which are harming my creditworthiness and misrepresenting my personal identifying information ; my Experian report incorrectly lists XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/year> ), my Equifax report incorrectly lists XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my TransUnion report incorrectly lists XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, none of which are associated with me ; these inaccurate addresses create a high risk of misattributed INFORMATION being reported under my name, leading to potential denials of credit, damage to my financial reputation, and other material harms ; I have previously submitted disputes to each bureau requesting corrections, yet these errors remain unresolved, which constitutes a failure to comply with my rights under the Fair Credit Reporting Act ( FCRA 605 ( a ), 608 ( c ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ) and the Fair Debt Collection Practices Act ( FDCPA 807, 809 ), which require accurate reporting, proper verification, and removal of unverifiable or misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint to report multiple inaccurate and misleading items appearing across my credit reports from Experian, XXXX XXXX XXXX that have harmed my creditworthiness and caused ongoing distress. My account with XXXX  ( XXXX / XXXX ) has been reported with XXXX and XXXX late payments despite maintaining a {$0.00} balance since its opening in XX/XX/XXXX, with inconsistent account identifiers across the bureaus ; my XXXX  XXXX ( XXXX ) account shows conflicting opening dates of XX/XX/XXXX and XX/XX/XXXX, inconsistent balances of {$430.00}, and last reporting dates extending into XX/XX/XXXX, all of which constitute obsolete and unverifiable information ; additionally, multiple hard inquiries including XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ), CON XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XX/XX/XXXX ) appear without proper authorization, permissible purpose, or are outdated, violating my rights under FCRA 604 ( a ), 605 ( a ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Despite previous attempts to dispute these errors directly with the bureaus, the inaccurate reporting persists, causing financial harm, stress, and a false representation of my creditworthiness, and I am requesting that the CFPB intervene to ensure proper investigation, and deletion of all inaccurate, obsolete, and unauthorized information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 submitting this complaint to report multiple inaccurate and misleading items appearing across my credit reports from Experian, XXXX XXXX XXXX that have harmed my creditworthiness and caused ongoing distress. My account with XXXX  ( XXXX / XXXX ) has been reported with XXXX and XXXX late payments despite maintaining a {$0.00} balance since its opening in XX/XX/XXXX, with inconsistent account identifiers across the bureaus ; my XXXX  XXXX ( XXXX ) account shows conflicting opening dates of XX/XX/XXXX and XX/XX/XXXX, inconsistent balances of {$430.00}, and last reporting dates extending into XX/XX/XXXX, all of which constitute obsolete and unverifiable information ; additionally, multiple hard inquiries including XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ), CON XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XX/XX/XXXX ) appear without proper authorization, permissible purpose, or are outdated, violating my rights under FCRA 604 ( a ), 605 ( a ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Despite previous attempts to dispute these errors directly with the bureaus, the inaccurate reporting persists, causing financial harm, stress, and a false representation of my creditworthiness, and I am requesting that the CFPB intervene to ensure proper investigation, and deletion of all inaccurate, obsolete, and unauthorized information.

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 2025-11-18 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: CA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-11-18 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INACCURATE LATE PAYMENTS. I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: AR Resources, Inc.
State: AL

Complaint narrative:
I have been constantly contacted by debt collectors for medical bills that have been settles or resolved by insurance now i have them impacting my credit report ive made many disputes and no actions have been taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>, I paid a total of {$250.00} from my Bank of America checking account through XXXX XXXX to the seller, and they never provided the service I paid for. The seller took the money and scammed me. This is fraud under false pretenses ( services not received ). 

I opened a dispute with Bank of America, but they denied my claim on XX/XX/year>, incorrectly stating that the payment was a third-party transfer. This does not change the fact that the payment was made in exchange for a service that was never delivered. 

Additionally, XXXX XXXX pulled {$100.00} from my XXXX XXXX balance to send back to Bank of America, even though that {$100.00} was unrelated to the disputed transaction and came from a different source. That {$100.00} has still not been returned to me. 

I have screenshots showing the transaction and my attempt to get a refund, and I will attach these as evidence. I am requesting that Bank of America classify this correctly as fraud/services not received and return the full {$250.00} that was stolen from 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 2025-11-18 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: VA

Complaint narrative:
MASTER CREDIT FREEZE REQUEST LETTER For All Credit Bureaus & Secondary Reporting Agencies Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Subject : REQUEST FOR IMMEDIATE SECURITY FREEZE ON ALL CONSUMER FILES To Whom It May Concern : I am submitting this formal request for a full security freeze ( also known as a credit freeze or file freeze ) to protect my consumer information from unauthorized use, fraud, or identity theft. Under the Fair Credit Reporting Act ( FCRA ) and all applicable state laws, you are required to place a security freeze on my consumer file upon request. Please ensure that : No third party may access my consumer file No new accounts may be opened in my name No soft or hard inquiries may be performed No credit extensions may be viewed without my express written authorization Please provide written confirmation of the freeze and my PIN/password needed to temporarily lift or remove the freeze. Below is my identifying information for verification : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX CERTIFICATION I certify that this request is made by me, the owner of the consumer identity listed above. Please process this freeze promptly in compliance with federal law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2025-11-18 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

For this Items Below Please do as what instruction in compliance of the 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 explanation