vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : BANK XXXX XXXX - 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 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 2025-10-16 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: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains serious inaccuracies that compromise its reliability and have caused ongoing harm to my financial standing. These errors must be addressed immediately.

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 2025-10-16 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I entered XXXX reduced-payment plans with Nordstrom/TD Bank to bring stability to my account : the first for {$49.00} per month in XXXX, and a second for {$110.00} per month beginning in XX/XX/XXXX. XXXX instructed me to ignore the past-due balance and simply continue making the agreed monthly payments. The written terms also stated that the account would only be charged off if I became 120 days delinquent or if there was a remaining balance at plan expiration. 

I followed these terms exactly. I did not miss XXXX consecutive {$110.00} payments, and in some months I paid more than the required amount. Despite this, XXXX charged off the account after only 90 days directly contradicting their own written terms. They also closed the account and reported that I was the one who closed it, which is inaccurate and misleading. During this period, the account continued to be reported as 6090 days past due even while I was actively in the plan and making on-time payments. 

XXXX  reporting has been inconsistent and inaccurate across all three bureaus each shows a different Date of First Delinquency and removal date. I have disputed this multiple times, but the bureaus continue to verify the tradeline without correction. This constitutes improper reporting and a failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) and 623 ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I am submitting this complaint to dispute multiple credit inquiries that have appeared on my credit reports. I did not authorize these inquiries, nor did I apply for credit or services with the companies listed below on or around the dates specified. 
List of Disputed Inquiries : Company Inquiry Date XXXX XXXX XXXX XX/XX/XXXX CBNA ( Citibank North America ) XX/XX/XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Citibank NA XX/XX/XXXX CBNA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Details and Impact : I have never authorized these companies to access my credit file, nor have I applied for credit, loans, or any related financial products with them on the above dates. According to the Fair Credit Reporting Act ( FCRA ), a company must have permissible purpose and my explicit consent to perform a credit inquiry. These unauthorized inquiries XXXX have a negative impact on my XXXX score and cause potential harm to my financial standing. 
What I Am Requesting : I respectfully request the CFPB to : Investigate each inquiry to determine if proper authorization was obtained. 
Communicate with each company to verify the legitimacy of the inquiries. 
Ensure the removal of all unauthorized inquiries from my credit reports with XXXX XXXX XXXX XXXX 
Provide assurance that no further unauthorized inquiries are made without my consent. 
I am willing to provide any identification or documentation necessary to support this investigation.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
This letter is a formal dispute of the account that Southwest Credit Systems , LP ( Southwest Credit ) is reporting on my credit file. The information you have furnished to XXXX or more credit bureaus is inaccurate, incomplete, and unverified, and therefore must be deleted immediately under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

XXXX. Failure to Provide Proper Validation I have no record or recollection of owing any debt to your company or to the original creditor you claim to represent. 
Under 15 U.S.C. 1692g ( b ), upon receiving notice of a dispute, you are required to cease all collection activity and provide proper validation of the alleged debt, which must include : A copy of the original signed agreement or contract establishing liability ; The name and address of the original creditor ; A complete payment history showing all charges, payments, and fees ; Documentation showing proof of assignment or purchase of the debt by Southwest Credit Systems , LP; and Verification that you are legally licensed to collect in the State of Maryland. 

To date, I have received no such documentation from your company. Reporting a debt to any consumer reporting agency without first obtaining proper verification violates both the FCRA and FDCPA. 

XXXX. Inaccurate XXXX Reporting Because the information you are furnishing can not be verified, your continued reporting of this account constitutes : A violation of 15 U.S.C. 1681s-2 ( b ) ( duty to correct and update inaccurate information ) ; and A violation of 15 U.S.C. 1692e ( 8 ) ( communicating false credit information ). 

I am therefore demanding that Southwest Credit Systems delete this account from all consumer credit reports ( XXXX XXXX XXXX XXXX ) within 30 days of receiving this letter. 

If you believe the information is accurate, please provide documentary proof. If you can not provide such evidence, you are required by law to delete the account and notify all credit bureaus of the correction. 

XXXX. Preservation of Rights Please note that this letter is not an admission of liability. I reserve all rights to pursue legal remedies under the FCRA, FDCPA, and Maryland consumer protection laws should Southwest Credit Systems fail to comply with federal law by continuing to report unverifiable or inaccurate information. 

All future communications regarding this matter must be made in writing to my address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
I got the latest copy of my credit report and there were multiple infractions on there. These accounts are not mine and are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
I got the latest copy of my credit report and there were multiple infractions on there. These accounts are not mine and are fraudulent

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 2025-10-17 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: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It started XX/XX/year> when my account was closed with the amount of XXXX and jts been almost 2 years since it happened i called many times to find out if they resolved the problem but they always tell me the same thing they try to reach the company where the check came from and try to resolve it but i see no changes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: SC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: SC

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have failed to remove and block fraudulent and human-trafficking-related accounts and inquiries from my consumer credit reports, even after receiving all required documentation under the Fair Credit Reporting Act ( FCRA ). 

I am a verified victim of human trafficking and identity theft, as confirmed by my FCRA Section 605C Self-Attestation Form, Identity Theft Victims Complaint and Affidavit, and supporting identification.

Despite submitting certified dispute packets to all three credit bureaus, including proof of identity, trafficking documentation, and FTC report, they have failed to comply with FCRA 605B, 605C, and 611 by not blocking, removing, or correcting the fraudulent data. 

The accounts and inquiries were opened without my authorization and resulted directly from my victimization. They include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent debt ; opened without consent XXXX XXXX Fraudulent account ; violation of FDCPA 807 false reporting XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) Fraudulent inquiries XXXX XXXX XXXX XXXX XXXX Unauthorized inquiry XXXX XXXX XXXX XXXX Unapproved account and inquiry Under FCRA 605C, all adverse information resulting from human trafficking must be blocked within XXXX ( XXXX ) business days once proper documentation is received. 
Under FCRA 605B, identity theft-related information must likewise be blocked or deleted within XXXX ( XXXX ) business days after a valid identity theft report is received. 
All three bureaus were properly notified and provided full documentation, but they have failed to take any action or respond with proof of verification as required by law. 

This continued reporting of false, unverified information violates : FCRA 605B Failure to block identity theft information within XXXX  days FCRA 605C Failure to block adverse information resulting from human trafficking FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Failure to ensure maximum possible accuracy FDCPA 807 False and misleading credit reporting by furnishers These violations have caused ongoing financial harm, credit denials, and emotional distress, despite my full legal compliance and cooperation.

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 2025-10-16 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 reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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