vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: SC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX  XXXX, Account Number : 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 2025-09-11 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 am writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/year> Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-11 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: TX

Complaint narrative:
I am extremely frustrated to see that inaccurate accounts continue to appear on my credit reports, and they have not been taken off. I am pleading that the documents I submitted be examined carefully so I can finally stop living with this ongoing problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
Equifax is reporting two XXXX student loan accounts that show late payments during periods when my loans were in an approved forbearance or income-driven repayment plan. These late payments also appear during the CARES Act payment suspension, which is a direct violation of federal protections. 

This reporting is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA 1681e ( b ) ), which requires maximum possible accuracy. It also fails to meet Metro 2 reporting standards because the accounts are coded as delinquent when federal law required them to be reported as current. No timestamped ledger or original documentation has been provided to confirm the accuracy of these tradelines.

I also want to note that my personally identifiable information was compromised in the Equifax Data Breach. Because of this, I have heightened concerns about unverifiable or mishandled data. Equifax has not demonstrated that the reporting of these accounts is authorized, accurate, or supported by original-source records.

This inaccurate reporting has caused me real harm. I was recently denied credit approval and forced into higher interest terms, which has made it harder for me to recover financially. I am stressed, embarrassed, and losing opportunities because of inaccurate credit data that should not be there. 

Under FCRA 1681i ( a ), Equifax must reinvestigate disputed accounts. A proper reinvestigation means reviewing actual records from XXXX, not relying on automated e-OSCAR responses. In Cushman v. TransUnion, the court made clear that a credit bureau can not blindly accept what a furnisher says without doing its own independent review. 

This is a clear case of unverifiable and noncompliant reporting. The most direct and compliant resolution is to remove these XXXX accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-11 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:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. XXXX and remove it. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. XXXX and remove it. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00}

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 2025-09-11 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: TX

Complaint narrative:
I am formally disputing the inaccurate and misleading information being reported on my Equifax credit file regarding the following accounts : 1. Creditor : DEPTEDXXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$1400.00} 2. Creditor : DEPTEDXXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$37000.00} These accounts are reporting late payments ( 120180 days past due ) which are not accurate. After reviewing my payment history, I believe these entries are being misreported for the following reasons : Inconsistent reporting between bureaus XXXX, XXXX, and Equifax are showing conflicting dates and payment status for the same accounts. 
Contradictory payment history Equifax reflects 120180 day delinquencies that do not align with my actual payments.

Balance discrepancies Past due amounts and balances reported do not match repayment records.

Duplicate derogatory remarks Negative notations appear to be repeated across the same reporting period, unfairly penalizing my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
Several accounts that do not belong to me are on my credit reports. I disputed them several times with experian.com. I simply demand a contract with MY signature on it to support their claims. A single credit card company once sent a contract with someone else 's signature. I reported this and Experian leaves all of the false accounts on my reports. I also ask for chain of custody for collections accounts. A couple of companies responded with inadequate documents. Words and numbers, but no contracts proving the right to collect. No contracts proving I agreed to pay. I want them to prove that I owe the debts. Since they can't, because I don't owe, I want the false accounts removed from my reports.

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 2025-09-11 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: FL

Complaint narrative:
TransUnion is reporting an account from XXXX XXXX XXXX ( account number ending in XXXX ) on my credit file. This account is fraudulent and the result of identity theft. I never applied for, authorized, or maintained any account with XXXX. 

The account is showing as Paid, Closed; was 60 days past due, which is damaging to my credit history and is inaccurate. I have already provided documentation of identity theft, including an FTC Identity Theft Report and proof of identity, and I formally requested TransUnion to block this account under 15 U.S.C. 1681c-2 ( Identity Theft Block ). Despite this, TransUnion continues to report the account. 

By continuing to publish this fraudulent account, TransUnion is violating my rights under the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681c-2 Failure to block information resulting from identity theft.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of my credit file.

I am requesting that the CFPB require TransUnion to : 1. Immediately block and delete the fraudulent XXXX account from my credit file. 
2. Provide written confirmation that this account has been permanently removed.

3. Ensure no further identity theft accounts are reinserted without proper notice.

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 2025-09-11 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: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I submitted a GM Financial prequalification form and specified XXXX XXXX XXXX as the dealer. The forms disclosure explicitly stated : obtaining a consumer report will result in a soft inquiry posting and will not affect the consumers credit score. 

That same day, I received an alert from XXXX XXXX XXXX XXXX that XXXX XXXX XXXX placed a hard inquiry on my XXXX  file. I also received an email from a XXXX XXXX sales consultant thanking me for a credit application, even though I had only submitted a prequalification form. 

Between XXXX and XXXX I flagged this issue to XXXX XXXX XXXX times. I provided them with documentation, including screenshots of the form disclosure and the hard inquiry alert. Each time, I was dismissed. They repeatedly insisted it was a soft pull unless information was submitted to banks. Only after I mentioned working with another dealer did they apologize, but they never offered to resolve the unauthorized inquiry. 

On XXXX I canceled my appointment with XXXX XXXX and purchased a vehicle from another XXXX dealer who respected the soft-pull disclosure. 

On XX/XX/XXXX I disputed the inquiry with XXXX, selecting XXXX XXXX XXXX from the hard inquiry list and noting that I did not authorize a hard pull. XXXX  resolved the dispute in less than XXXX hours, dismissing it without contacting me for documentation. Their online dispute portal indicated that comments and supporting documents could be submitted, but there was no functional option to do so. 

On XX/XX/XXXX I resubmitted a dispute and began filing this CFPB complaint. 

This is an instance of improper use of my credit report : I authorized a soft inquiry only, and XXXX XXXX escalated it to a hard inquiry without consent. They denied it repeatedly despite clear proof, and XXXX  dismissed my dispute without giving me a way to provide documentation before they closed out my dispute case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MA

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
After conducting a thorough examination of my credit file, I identified several late payment entries that appear on my report without proper substantiation. More than a month has passed since I dispatched formal correspondence requesting verification of these items, yet no adequate documentation or response has been forthcoming from the reporting entities. This lack of communication and failure to provide legitimate proof of these alleged delinquencies has left me with no choice but to seek intervention in having these unverified items addressed appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I depostied money cash & cashier check in two llc acount of boa jf thunder a/n XXXX & XXXX XXXX XXXX XXXX XXXXXXXX on dated on XXXX XXXX & XXXX XXXX XXXX out of which XXXX cashier check XXXX cash these llc asked me they pay my home loan & car loan their all payment decline On dated XX/XX/year> I come to know this fraud so I requested freeze acount complaint no XXXX I also file complint in police no XXXX Today boa denied the money I lost in fraud I want freeze money to be paid other wise I will go consumer court

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 2025-09-11 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: TX

Complaint narrative:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

Address : XXXX XXXXXXXX XXXX XXXX, TX XXXX This address does not belong to me and I have never lived or received mail at this location. Reporting this address links me to information that is not mine, which violates FCRA Section 607 ( b ) requiring credit reporting agencies to maintain maximum possible accuracy. Continuing to associate me with this wrong address damages my profile and may cause lenders to view me as higher risk. Please remove this immediately as it is misleading and unverifiable. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is also incorrect and not related to my personal history. Its presence is leading to inaccurate linking of accounts and inquiries on my file which are not mine. According to FCRA XXXX XXXX, I am requesting a full reinvestigation and proof that ties this address to me. If no signed lease, utility bill, or government correspondence can be produced, it must be permanently deleted to comply with federal law and restore accuracy to my credit file. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$2700.00} This account is inaccurately reporting late payments that I do not recognize and can not be verified with my records. Under FCRA Section 623 ( a ) ( 1 ) ( A ) furnishers may not report information that they know or should know is inaccurate. I am requesting proof such as original signed statements showing the exact dates of delinquency. Failure to provide this documentation within the required timeframe under FCRA Section 611 means the data must be deleted. Continued reporting is causing damage to my creditworthiness and violates my right to maximum possible accuracy. 

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
Irregularities Detected Contradictory Status : Equifax : Negative. 

XXXX  : Positive. 

XXXX  : Positive. 

The same account can not be simultaneously reported as negative by one bureau and positive by the other two. 

Consistent Payment History ( All OK ) : XXXX  and XXXX  show all payments as OK. 

Equifax marks the account as Negative despite no evidence of late or missed payments. 

Balance Information Conflict : Current Balance : {$1900.00} ( reported equally across all three bureaus ). 

Equifax still marks the account as Negative, which is inaccurate and misleading. 

Account Type Conflict : Equifax & XXXX  : Auto Financing. 

XXXX  : Miscellaneous Finance. 

The classification of the same account must be consistent ; otherwise, it misrepresents the type of credit extended. 

Date of Last Activity / Reporting Discrepancies : Equifax : Last activity XX/XX/year>. 

XXXX  & XXXX  : Last activity XX/XX/year>. 

Different activity dates indicate a failure to properly verify information before reporting. 

Violations of Federal Law FCRA ( 15 U.S.C. 1681 ) 607 ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

611 ( a ) : Duty to reinvestigate disputed information and delete or correct inaccurate or unverifiable information.

623 ( a ) ( 1 ) ( A ) : Furnishing information known, or that should be known, to be inaccurate ( reporting Negative status without factual support ).

FDCPA ( 15 U.S.C. 1692 ) 1692e ( 8 ) : Communicating or reporting credit information which is known or should be known to be false, including the failure to communicate that the debt is disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I am formally disputing the accuracy and completeness of the account information being reported to the credit bureaus by Nissan Motor Acceptance regarding the auto loan associated with my name. 

According to the credit report, the account reflects the following : - Current balance : {$1800.00} - Highest balance : {$28000.00} - Status : Closed - Opened : XX/XX/XXXX ( 85-month term ) - 0 % on-time payments for XXXX, XXXX, XXXX, and XXXX I dispute this reporting for the following reasons : 1. * * Continued Delinquency Reporting on a Closed Account * * - The account is marked as closed, yet continued late payment markers are being added for multiple years post-closure.

- This may constitute a violation of XXXX XXXX reporting guidelines and the Fair Credit Reporting Act ( FCRA ). Once an account is closed and charged-off or otherwise resolved, the furnishing of new late payments is generally not permitted unless the account is reopened or re-aged, which is not the case here.

2. * * Failure to Send Required Notices Under Georgia Law * * - I was not issued the mandatory 10-day notice of intent to sell the repossessed vehicle.

- I was not provided any documentation showing the sale amount or how the remaining balance was calculated.

- Without this information, the deficiency balance of {$1800.00} can not be substantiated and should not be reported.

Company response to consumer: Closed with explanation