vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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:
The following accounts and inquiries in my TransUnion file show inconsistencies or information that I do not recognize as accurate. I am requesting a complete FCRA reinvestigation. 

Charged-Off Accounts ( TU ) XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$24000.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$430.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$13000.00} Inquiries ( TU ) XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-24 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: FL

Complaint narrative:
I am disputing the accounts listed below due to reporting errors and inconsistencies. I request a complete investigation to verify accuracy and correct any incomplete or inaccurate information under my Experian file. 

Charged-Off Accounts ( EX ) XXXX XXXX XXXX Acct : XXXX XX/XX/XXXX {$52000.00} XXXX XXXX XXXX Acct XXXX XXXX XX/XX/XXXX {$0.00} XXXX Acct : XXXX XX/XX/XXXX {$4100.00} XXXX XXXX  Acct : XXXX XX/XX/XXXX {$1900.00} XXXX XXXX  Acct : XXXX XX/XX/XXXX {$430.00} XXXX XXXX  Acct : XXXX XX/XX/XXXX {$24000.00} XXXX XXXX  Acct : XXXX XX/XX/XXXX {$13000.00} Inquiries ( EX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Receiving credit cards I haven't applied for with my name an information like social security number and credit checks, address and phone number.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Collection Account XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Dear Experian, I am disputing the following account for inaccuracy under FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ) : XXXX XXXX XXXXXXXX Amount : {$120.00} Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/year> Status : Collection/Charge-off Errors Identified : Missing DOFD ( Date of First Delinquency ) required for the 7-year reporting period.

Incomplete account number prevents proper verification.

Conflicting date XXXX XXXX XXXXXXXX  indicates unreliability. 
No monthly payment history or activity sidebar incomplete data.

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 2025-11-24 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: VA

Complaint narrative:
In reviewing my credit reports, I discovered that my mortgage servicer, XXXX XXXX XXXX, is reporting multiple XXXX late payments for XXXX and XXXX. These late payments are inaccurate. 

I obtained and reviewed a full rolling payment history directly from XXXX for XXXX. The records show that no payments were ever XXXX  days past due during this period. Although XXXX assessed internal late charges and a {$15.00} property inspection fee, these were automated servicing events and did not reflect true delinquency. My loan was never past due, and no delinquency notices, collection calls, or default correspondence were ever issued. 

I submitted disputes to XXXX and to all three credit reporting agencies ( Experian, XXXX XXXX XXXX ), providing the complete payment history as supporting documentation. Despite this, the late payments continue to appear. 

I am requesting that the CFPB require XXXX to conduct a full investigation and remove all inaccurately reported late payments from XXXX and XXXX, and to correct the information furnished to the consumer reporting agencies.

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 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against the Mariner Finance branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.The handling of my loan account and the conduct of the branch manager XXXX has caused unnecessary stress, confusion, and disrespect toward both myself and my father. 

My father and I share the same name. A loan offer was mailed without clearly indicating which of us was the intended recipient. Because of this, I believed the loan was addressed to me and proceeded to deposit the loan check into my account. 

On XX/XX/XXXX I called to make a payment only to be towed. The account was not mine and I was given the Social Security of my father. When the issue was brought to the branchs attention, both my father and I were treated as if we were at fault for their failure to properly identify or notate the intended borrower. Instead of working promptly to correct the error, the branch manager XXXX spoke to us in a rude and dismissive manner, implying that I was attempting to take out a loan in my fathers name. This accusation is both unreasonable and insulting. No one would knowingly take out a loan in someone elses name only to transfer it to themselves to be fully obligated to repay it. I have both the mailed offer letter showing our shared First and Last names and the loan check on which I wrote down confirmation of my social security, DOB, personal contacts phone and email.

Both my father and I have cooperated fully to help resolve the matter. We went into the office and wrote and signed a statement explaining the situation. Despite completing what we were asked, we were later told we must provide XXXX additional letters, which feels excessive and disorganized, especially considering the error originated on Mariner Finances side. Additionally, my father was not even in town at the time I deposited the check to have accepted the offer himself, which we have made clear. He was not and is not intending nor interested in entering any agreement with Mariner Finance. This is why we need the account to reflect the actual borrower, myself. 

It has now been nearly XXXX months since the loan offer was accepted by my self, quickly approaching the next payment date and the branch has still not corrected the loan information, leaving the account in a state of uncertainty and causing unnecessary inconvenience. There has been no urgency or professionalism in resolving what should be a straightforward correction of borrower identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
On XX/XX/year>, I mailed a written conditional settlement offer to American Express regarding my account ending in XXXX XXXXXXXX. My letter clearly stated that no payment or account closure would occur unless American Express provided written acceptance of the specific settlement terms. 

American Express never responded to that offer. Instead, the company unilaterally closed my account and is now representing the closure as having been done per customer request. This is incorrect and misleading. I never requested that the account be closed unless my terms were accepted in writing, and American Express provided no such acceptance. 

I attempted multiple times to resolve this directly : XX/XX/year> ( online chat ) : I explained that I had not requested closure ; I was told to follow up again. 

XX/XX/year> ( online chat ) : I followed up and specifically requested that an investigation be opened. 

XX/XX/year> ( online chat ) : I requested a status update on the investigation. The agent stated that I would be contacted directly by American Express. 

XX/XX/year> ( phone call ) : The representative confirmed that Amexs internal records state the account was closed based on a mailed request from the cardmember, which is factually incorrect. The agent also stated they could not locate the department conducting the investigation or provide any status. 

Despite multiple attempts to correct this, American Express has not provided a written response, has not acknowledged the error, and has not provided any update on the investigation. 

I am requesting that American Express : Correct all internal records and any credit bureau reporting to reflect that the account was not closed at my request. 

Ensure no inaccurate or negative information is furnished to any credit bureau during or after the investigation. 

Since American Express never responded to my conditional settlement offer, no request for closure was ever made by me, and the current reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IA

Complaint narrative:
I received a letter from Radius Global Solutions LLC. stating they were collecting a debt I owed in the amount of {$1400.00} from XXXX XXXX XXXX. I have never had an XXXX XXXX XXXX  account in my name. This is not my account nor my charges.

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/year> with a balance of {$6300.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account. The aforementioned account, collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. Furthermore, the aforementioned account, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint and my XXXX  XXXX XXXX  bills to verify my correct residential address at the time of this unauthorized account being opened as proof from the US Federal Trade Commission that the aforementioned consumer credit account, collection, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Years ago, my vehicle was broken into and a duffle bag containing all of my personal information was stolen. According to my police report filed on XX/XX/year> with the XXXX XXXX XXXX XXXX XXXX ( Report # XXXX ), the bag contained my wallet, computer, identification documents, and financial records. I stated at the time that I was willing to prosecute. This theft created an ongoing identity-theft problem. 
Not long after this incident, fraudulent accounts began to appear on my credit reports, including the Bank of America account I am disputing. I never opened, authorized, or applied for this account. It is a direct result of the identity theft documented in my police report. 
For years, I have submitted identity theft reports, FTC affidavits, and multiple disputes. Despite this, the same fraudulent Bank of America account keeps getting reinserted onto my credit file with no certification, no notice, and zero proof that I opened it. Bank of America has never provided a signature, application, IP data, or any verification because none exists. 
I have been dealing with the fallout of this theft for years, and this fraudulent account continues to damage my credit. I am requesting CFPB intervention to stop the repeated reinsertion of this identity-theft account and require its permanent removal.

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 2025-11-24 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: NJ

Complaint narrative:
I am a consumer attempting to fix my credit. I am requesting a full investigation into the following inaccurate, incomplete, or unverifiable items being reported on my credit file. 

Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Balance : {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Balance : {$5700.00} Statement : These accounts have reporting inconsistencies. Please verify accuracyincluding dates, balance history, and furnishing records. Remove any item that can not be verified under FCRA 611. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Statement : I do not recognize these inquiries. Please validate the permissible purpose and authorization. If the furnisher can not prove compliance with FCRA 604, delete the inquiry. 

Late Payments in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Statement : These late payments appear inaccurate or unverifiable. I request a full investigation. Any late notation that can not be confirmed with proper records must be removed.

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 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a consumer working to correct inaccuracies on my credit reports. I am requesting a full investigation into the items listed below for each bureau. These accounts contain incorrect, unverifiable, or incomplete information that is negatively affecting my credit profile. I am asking for these items to be reviewed and removed if they can not be fully verified according to the FCRA. 

Charged Off Accounts in Dispute ( No charged-off accounts listed for TU ) Inquiries in Dispute COAF XX/XX/year> This inquiry is inaccurate or unverified. Please investigate. 

Late Payments in Dispute These late payments are not reporting accurately and should be reviewed : 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 2025-11-24 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: IL

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