vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writing to file a formal complaint regarding multiple inaccurate and fraudulent accounts that are being reported on my credit reports. I am a victim of identity theft and have already submitted an identity theft report through the FTC. Despite this, the accounts listed below are still being reported and are severely damaging my credit and overall financial standing. 
The accounts in question are from XXXX XXXX XXXX original creditor : XXXX XXXXXXXX XXXX XXXXXXXX ), XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX. Each of these accounts is being reported across one or more credit bureaus with conflicting, inconsistent, or flat-out false information. Some of the data reported is not only inaccurate but also appears to violate the Fair Credit Reporting Act and XXXX XXXX compliance standards. 
For example, the XXXX XXXXT account is reported differently on TransUnion, Experian, and Equifax, with various conflicting commentssome indicating the account is disputed, others not. XXXX XXXX XXXX shows inconsistencies in the reported date of last activity, and the XXXX XXXX XXXX account shows it as both an open account and a collection account, depending on the bureau. The dates for when the accounts were last active are also inconsistent and suggest re-aging of the debt, which is unlawful. 
These discrepancies are not only confusing but theyre making it extremely difficult for me to move forward with repairing my credit. Even after notifying the credit bureaus and furnishers of my identity theft and submitting proper documentation, these accounts remain on my reports. None of the furnishers have provided any valid certification of the debts or proof that I owe them. In some cases, they have continued reporting collection statuses even though the accounts are clearly fraudulent. 
Im frustrated and overwhelmed by this process. Ive done everything I was supposed to do to alert the proper authorities and bureaus about the identity theft, but I feel like Im not being taken seriously. Im asking for your help in having these accounts removed from all three of my credit reports as they are fraudulent, reported incorrectly, and are in clear violation of federal law.

Please help me resolve this issue and ensure that these furnishers are held accountable for the harm theyve caused. Thank you for your time and support.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint to address inaccurate and misleading information reported on my credit files with Experian, Equifax, and TransUnion. XXXX XXXX XXXX accounts, XXXX with a balance of {$6100.00} reported as a charge-off on Experian and TransUnion, but listed as {$2200.00} on Equifax, create inconsistency and duplication across the reports. Another XXXX XXXX XXXXXXXX account lists balances of {$2300.00} on Experian and Equifax, while TransUnion reports {$2200.00}, with a duplicate entry of {$2300.00} also appearing on TransUnion. Additionally, my XXXX XXXX account ( XXXX ) shows a balance of {$9900.00} across all three bureaus but fails to reflect the correct status and dates of last activity. These discrepancies suggest that the accounts may have been discharged and should be eligible for reporting under IRS Form 1099-C. The continued misreporting of these charge-offs and inaccurate balances is significantly harming my creditworthiness, misleading potential creditors, and violating my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ), 608 ( a ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint to address inaccurate and misleading information reported on my credit files with Experian, Equifax, and TransUnion. XXXX XXXX XXXX accounts, XXXX with a balance of {$6100.00} reported as a charge-off on Experian and TransUnion, but listed as {$2200.00} on Equifax, create inconsistency and duplication across the reports. Another XXXX XXXX XXXXXXXX account lists balances of {$2300.00} on Experian and Equifax, while TransUnion reports {$2200.00}, with a duplicate entry of {$2300.00} also appearing on TransUnion. Additionally, my XXXX XXXX account ( XXXX ) shows a balance of {$9900.00} across all three bureaus but fails to reflect the correct status and dates of last activity. These discrepancies suggest that the accounts may have been discharged and should be eligible for reporting under IRS Form 1099-C. The continued misreporting of these charge-offs and inaccurate balances is significantly harming my creditworthiness, misleading potential creditors, and violating my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ), 608 ( a ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) ).

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 2025-11-20 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} - Date Opened : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year> I noticed a large sum of money withdrawn from my account for a purchase I did not make from a third party ( XXXX ) I reached out to them, and they told me to reach out to the merchant, ( XXXX ) XXXX explained they couldnt stop or reverse the charges or shipment even though it was fraud, so I had to wait until I got the package, well the package came, and then they would not let me return it although it was completely unopened and fraudulent purchase, the company finally told me to dispute the charges with my bank in XXXX which I did. A month later my bank denied the claim saying there was no proof of fraud. Although I had proof the company had told me for the last 2 months what to do and I had done exactly as they asked. I appealed the claim and the appeal was denied. I even offered proof! No resolve. And it resulted in severe overdraft fees.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I previously submitted a written dispute to BANK OF AMERICA , N.A . 
dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), BANK OF AMERICA , N.A . has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure BANK OF AMERICA , N.A . 
s immediate compliance with FCRA requirements. BANK OF AMERICA , N.A . 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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
My complaint is with credit acceptance. After going to court and getting a settlement amount to pay off my loan they will not release the title to me or stop reporting to my credit. As in all of the court documents they said they would. When I contacted them about it they say they have no records of me or the truck. When I contacted there law office that I went to court with they said that they have no part in it. I have attempted a number of times to get this from them and they say that it doesn't show me ever having an account.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am writing to formally complain about the unauthorized and unreasonable lock placed on my Apple Card, linked credit card, and debit card. Yesterday, I simply updated my Apple ID associated with the Apple Card and successfully logged back in, only to find all my payment cards abruptly locked without prior notice. 

I immediately contacted your customer service to explain the situation in detail the lock occurred solely due to a legitimate Apple ID update, with no suspicious activity or policy violations on my part. However, I was informed that the resolution would take 5 to 7 business days, which is an excessively long and unacceptable timeframe. This delay appears to be unnecessary, as identity verification for legitimate account changes should be a prompt process. 

As a responsible cardholder, I rely on these payment methods for daily essential transactions, and the prolonged lock has caused significant inconvenience and potential financial disruptions. According to standard security protocols, account locks triggered by legitimate user actions should allow for immediate identity verification to restore access. I urge you to conduct an urgent verification of my identity through official channels ( such as verifying registered personal information, linked devices, or transaction history ) to unlock all my cards immediately. 

I request the following actions to be taken without delay : 1. Immediately verify my identity through secure, efficient means to lift the lock on my Apple Card, credit card, and debit card. 

2. Provide a written explanation for the unreasonable 5-7 day delay and the lack of prompt verification options. 

3. Confirm the restoration of my card services via email or phone within 24 hours of receiving this letter. 

I trust that Apple and XXXX XXXX XXXX prioritize customer experience and fair service. The current prolonged lock without timely verification is unjustified and contradicts the security and convenience commitments of Apple Card. I expect a swift and satisfactory resolution to avoid further inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
Without a warning, or even talking to me about the situation, Cash App just outta the blue decided to close my account. Said my account was associated with gambling or something another along that line.... I dont do the gamble online thing... This was all done today, XX/XX/year>, apparently. Im highly upset that they deactivated my card where I cant withdraw, spend, or even send my money elsewhere. I dont understand how they can even do that. I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX XXXX ( Auto ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> 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 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I discovered an account with the number XXXX appearing on my credit report. The account reports an alleged balance of $ XXXX and claims to have been opened on or around [ insert date shown on your report ]. I have never opened this account, never authorized it, and have never provided written consent for this company or any third party to obtain, use, or furnish any part of my personal information for the creation or reporting of this account. 

After seeing the account on my report, I contacted the company on [ insert date ] to ask for verification and documentation showing that I applied for or authorized the account. I was not provided with any documentation bearing my signature or any evidence that I initiated this account. Despite my request, the company continued to report the account to the credit bureaus.

Under 15 U.S.C. 1681b, a consumer reporting agency or data furnisher must have a permissible purpose and appropriate authorization to access or report my consumer information. Because I never gave written consent or any authorization, this account has been reported without a lawful permissible purpose. 

On [ insert date ], I submitted a dispute to the credit bureaus requesting verification of the account and removal if no valid proof existed. At the time of this complaint, the account is still being reported, and I have not received any proper validation or documentation that I ever opened this account. 

I am requesting that this account be fully investigated and removed from my credit file, as it is inaccurate, unauthorized, and unverifiable.

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 2025-11-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted factual disputes to the credit bureaus regarding multiple accounts that are being reported with inaccurate or incomplete information. I clearly identified the specific reporting errors and provided supporting documentation. I also requested that each bureau conduct a proper reinvestigation as required under the FCRA, and either correct the inaccurate information or remove the account if it could not be verified. 

Despite providing sufficient information to initiate and complete a proper investigation, the disputed accounts remain unchanged on my credit reports. One inaccurate account is still being reported by Equifax and TransUnion, and two inaccurate accounts continue to appear on Experian. Based on the lack of corrections or updates, it appears the credit bureaus did not conduct a reasonable reinvestigation or properly review the factual errors I submitted. 

This failure to investigate is harming my credit standing and preventing the fair and accurate reporting I am entitled to under federal 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
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I submitted factual disputes to the credit bureaus regarding multiple accounts that are being reported with inaccurate or incomplete information. I clearly identified the specific reporting errors and provided supporting documentation. I also requested that each bureau conduct a proper reinvestigation as required under the FCRA, and either correct the inaccurate information or remove the account if it could not be verified. 

Despite providing sufficient information to initiate and complete a proper investigation, the disputed accounts remain unchanged on my credit reports. One inaccurate account is still being reported by Equifax and TransUnion, and two inaccurate accounts continue to appear on Experian. Based on the lack of corrections or updates, it appears the credit bureaus did not conduct a reasonable reinvestigation or properly review the factual errors I submitted. 

This failure to investigate is harming my credit standing and preventing the fair and accurate reporting I am entitled to under federal 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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I never bought this car and it was identity theft Someone stole my identity to buy this car and I have attached the files

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PR

Complaint narrative:
Subject : Improper Interest Accumulation ( {$460.00} ) Due to Communication Failure and Misinformation on Federal Student Loan ( XXXX XXXX XXXX Loan Basic Information : Servicer : Nelnet Principal Amount : {$5500.00} Interest Rate : 5.280 % Complaint Narrative ( Including Dates and Actions ) : My complaint centers on the failure of communication by the servicer ( Nelnet ) and the inaccurate information provided by their staff, which directly resulted in the accumulation of {$460.00} in unpaid interest, preventing my payments from being applied to the principal balance. 

Communication Failure ( XX/XX/XXXX XX/XX/XXXX ) : In XX/XX/XXXX, my loan was enrolled in the XXXX repayment plan with an accrued interest balance of only {$34.00}. After that date, Nelnet ceased sending me monthly statements and notifications. 

In XX/XX/XXXX, I received the first statement in nearly a year. This statement revealed that my repayment plan had been changed to the XXXX Repayment Plan XXXX INCOME AMT without notification, and the accrued interest had skyrocketed to {$500.00} ( an accumulation of {$460.00} without my knowledge ). 

Nelnet Actions and Misinformation : I called Nelnet in XX/XX/XXXX to dispute the accrued balance. Representatives indicated they were not obligated to send statements because I was in the XXXX plan and could check online. This contradicts their previous practice of sending statements. 

A Nelnet supervisor contacted me on and reiterated that they were not required to send statements for the XXXX plan. 

Critical Point : The supervisor initially assured me my account was not accruing interest. When I confronted her with the {$500.00} accrued interest balance, the supervisor admitted she was wrong and that interest was, in fact, accumulating. 

Consequence : The misleading information and failure to notify me of the plan change and interest accumulation prevented me from paying the interest on time. My principal of {$5500.00} is now at risk of capitalizing this accrued interest. 

Requested Solution : I request that the CFPB investigate Nelnets servicing and communication practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
To whom it may concern I already filed a complaint against them and you guys fixed it but now they are calling my other phone number XXXX. And even called my wifes number.. please help .. they just dont stop!!! XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation