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

Complaint narrative:
I checked my recent credit report and there are multiple fraudulent accounts reporting these are not my accounts and therefore should be removed immediately. As to these accounts are damaging my file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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
Consumer complaint received 2025-11-11 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.

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration. There is an error on my credit report that I just can not ignore anymore, as it has been negatively impacting my life and credit score, making it difficult for me to achieve financial freedom and stability.

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

Complaint narrative:
I am disputing the following accounts on my Experian credit report. Please investigate these discrepancies and ensure they are accurate, as they may be causing harm to my credit. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : No inquiries have been listed for Experian. 

Late Payments : XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX 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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a deposit by transferring money, while my account was showing a positive balance. I knew these charges were going to go through and that I would need more to cover it. This morning I woke up to an overdraft fee. They are putting through my charges before crediting me the money transferred from my savings account, also from their bank.

Then proceeded to tell me that I am only allowed one credit for overdraft, once every two years. I should not have been charged this at all, when I made the transfer deposit, my balance showed I was in the positive. At no time did it show my account in the negative.

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 2025-11-11 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: OK

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( XXXX ) regarding the inaccurate reporting of a paid account as a charge-off on my credit report. 
- This account was paid in full, yet it continues to be reported as a charge-off. This is misleading and violates the Fair Credit Reporting Act ( FCRA ) 623, which requires furnishers to report accurate and complete information. A paid charge-off should not continue to harm my credit profile when the debt has been satisfied.

I have contacted both the credit bureaus and the creditor directly, but the derogatory status remains. I am requesting that the CFPB investigate this matter and ensure that the account is either updated to reflect a positive payment history or removed entirely if it can not be verified.

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

Complaint narrative:
I am filing this complaint against XXXX XXXX  XXXX ( XXXX ) regarding the inaccurate reporting of a paid account as a charge-off on my credit report. 
- This account was paid in full, yet it continues to be reported as a charge-off. This is misleading and violates the Fair Credit Reporting Act ( FCRA ) 623, which requires furnishers to report accurate and complete information. A paid charge-off should not continue to harm my credit profile when the debt has been satisfied.

I have contacted both the credit bureaus and the creditor directly, but the derogatory status remains. I am requesting that the CFPB investigate this matter and ensure that the account is either updated to reflect a positive payment history or removed entirely if it can not be verified.

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

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Recovery Bureau LLC
State: TX

Complaint narrative:
I paid {$3600.00} with consistent payments and requested my payoff and account history via email. I never received it. On XX/XX/year>, I called ; both XXXX XXXX and XXXX XXXX XXXX were unprofessional and hung up during the call. I received a partial payment statement, but was not given further assistance to login to my online portal on the company website.

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

Complaint narrative:
I am disputing the following accounts that are reported inaccurately on my Equifax credit report. Please review and ensure the information is correct or removed if inaccurate. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Inquiries : No inquiries have been listed for Equifax. 

Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
They are making it where it's a easy as possible for you to not submit a payments. I never get any kind of confirmation of payment. I submitted 3 payments on 1st payment then on 2nd due payment they said they didn't receive so got late payment. 
Everytime I log in they have changed my username and even at one point sent me to another site I don't even have to make a payment. 
They are doing this on purpose I feel to collect fees. I have no problems with any of my other cards. I'm telling you this a scam with them to collect as many fees as possible

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 2025-11-11 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: OK

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX  ( XXXX ) regarding inaccurate and potentially unverifiable late payment reporting and derogatory closure status. The account details are : - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX late payments dates may, XXXX, XXXX and XXXX in XXXX  This account reflects multiple late payments and was closed with a derogatory status. I dispute the accuracy of the reported delinquencies and the closure reason. Under FCRA 611 and 623, I am entitled to a reinvestigation of this information. If the creditor can not provide documented evidence of the delinquencies, the negative marks must be removed. 
I have attempted to resolve this directly with the creditor and the credit bureaus, but the issue remains unresolved. I request that the CFPB investigate and ensure compliance with the FCRA.

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 2025-11-11 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: AL

Complaint narrative:
I am reviewing my Equifax credit report and believe several items are being reported inaccurately or need further verification.

1. Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX Account No. XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX, Account No. XXXX, Date : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX, Account No. XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account No. XXXX, Date : XX/XX/XXXX, XXXX : {$520.00} I am disputing these as either outdated, inaccurately reported, or unverifiable. Please confirm the validity of each, including the original creditor, account history, and charge-off details. If these accounts can not be verified with documentation from the original creditor, please remove them from my report.

2. Inquiries : XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing all of these inquiries. Please verify that each was initiated by me and meets the permissible purpose requirements under the FCRA. Any unverified or unauthorized inquiries should be deleted.

3. Late Payments : XXXX, Account Nos. XXXX and XXXX I am disputing these late payment reports as I believe they may have been recorded in error. Please verify these directly with the lender. If unverifiable, please remove the late payment entries. 

Thank you for your assistance in ensuring my Equifax report is fair and accurate.

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

Complaint narrative:
I am writing to formally dispute inaccurate information regarding certain accounts reported to the credit bureaus. Below are the accounts I believe to be incorrect, and I am requesting your assistance in investigating and correcting them. 
Charged-Off Accounts : Bankruptcy Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/year> Balance : {$0.00} XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-11 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: NC

Complaint narrative:
I do not recollect this account I.C Systems, inc, with the balance of {$600.00}, on my credit report. I would like this removed as it is negatively affecting my credit report and making my financial situation difficult. I've contacted this company regarding this debt and requesting validation but I haven't received any information afterwards.

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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
I tried to tell these people that the original creditor was supposed to pick up their merchandise. The creditor never came to pick it up. So I decided to pay the debt collector. I wanted to pay it off today but haven't received my direct deposit, same creditor threaten that they will contact the State of Maryland because I would not give my account information on my card. I don't have it on my person because it's at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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

Complaint narrative:
This is not a mistake my credit report contains clear inaccuracies that fail to meet the standards of maximum possible accuracy. These errors are severely impacting my life in ways that are deeply distressing and ongoing, and I demand they be corrected or removed immediately.

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

Complaint narrative:
I am disputing the following accounts as they do not reflect accurate reporting. The details are as follows : CHARGED OFF XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$260.00} INQUIRIES XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am submitting this complaint to dispute inaccuracies in my credit reports as provided by the credit bureaus. Below are the details of the accounts in dispute across the three bureaus. I respectfully request that an investigation be initiated, and any inaccuracies be corrected. 
Inquiries Experian ( XXXXXXXX XXXX XXXX XXXX Account Date : XX/XX/XXXXXXXX XXXX  Account Date : XX/XX/XXXXXXXX XXXX Account Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments Experian ( XXXX ) : 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