vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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 have recently noticed several accounts I did not open or authorize anyone else to. These accounts are preventing me from obtaining credit. Company or organization : XXXX XXXX XXXX XXXX Account number : XXXX Created : XXXX Discovered : XXXX Total amount : {$200.00} Company or organization : XXXX XXXX XXXX XXXX Account number : XXXX Created : XXXX Discovered : XXXX Total amount : {$2600.00} Company or organization : XXXX XXXX XXXX Account number : XXXX Created : XXXX Discovered : XXXX Total amount : {$840.00} Company or organization : XXXX XXXX XXXX  Account number : XXXX Created : XXXX Discovered : XXXX Total amount : {$540.00} Company or organization : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Total amount : {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have recently noticed several accounts I did not open or authorize anyone else to. These accounts are preventing me from obtaining credit. Company or organization : XXXX XXXX XXXX XXXX Account number : XXXX Created : XXXX Discovered : XXXX Total amount : {$200.00} Company or organization : Fair Collections & Outsourcing Account number : XXXX Created : XXXX Discovered : XXXX Total amount : {$2600.00} Company or organization : XXXX XXXX XXXX Account number : XXXX Created : XXXX Discovered : XXXX Total amount : {$840.00} Company or organization : XXXX XXXX XXXX Account number : XXXX Created : XXXX Discovered : XXXX Total amount : {$540.00} Company or organization : XXXX XXXX  XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Total amount : {$330.00}

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for reporting incorrect and outdated personal information in my credit file, despite my formal written request for correction pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 

On XX/XX/year>, I obtained my three-bureau credit report through XXXX, and noticed that Experian is displaying personal data that does not match my government-issued ID or current proof of address. 
Below are the inaccuracies found : Incorrect Name : XXXX XXXX XXXX instead of my correct full legal name XXXX XXXX XXXX XXXX XXXX 

Address Discrepancy : XXXX XXXX XXXX, XXXX, UT XXXX ( missing directional W and incomplete address format ). 

Outdated Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX UT XXXX, which is no longer my current residence. 

Correct Current Address : XXXX XXXX Ct XXXX XXXX, XXXX, TX XXXX, verified through my XXXX  XXXX XXXX statement and Texas Drivers License. 

On XX/XX/year>, I sent a formal personal information correction letter to Experian under FCRA 611 ( a ) requesting the update or removal of all inaccurate information. 
I attached copies of my Texas Drivers License, Social Security Card ( last XXXX digits : XXXX ), and XXXX  XXXX XXXX statement ( XX/XX/year> ) as valid proof of my identity and current address.

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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: VA

Complaint narrative:
I have had 2 prepaid cards breach in 6 months. My funds were taken and my chip was breached .. On XX/XX/year> card breach $ XXXX XX/XX/year>. $ XXXX funds taken. $ XXXX .taken .. the card is from.CONDUENT-Comerica. Bank. from XXXXI have called multiple times and no one is answering..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I recently received emails regarding a recent application from Sunny Day Lending, which I have never applied for. I responded advising them this must be a mistake and to remove my personal information. I inform them this must be fraud as recently a company a data breach and my personal information as been exposed and vulnerable. Sunny Day Lending stated the application referred by XXXX XXXX is a lead generator who I have never had applied nor had an account. I reached out to XXXX XXXX and Sunny Day Lending to notified both companies to have my personal data removed and this is fraud. I am not getting any response.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/year>, I discovered an account reported by Ally Financial that I do not recognize. I have no knowledge of this account, and I have never opened or authorized any account with Ally. 

I have never had any type of account with Ally in the past. 
I also have not received any documentation from Ally proving that this account belongs to me. 

This account appears to be inaccurate and unverified, and it is negatively affecting my credit. Since I have no relationship with Ally, I am requesting that this item be fully investigated and removed from my credit report unless Ally can provide valid proof that I opened or authorized this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 dispute the following items on my TransUnion credit report, which I believe contain inaccuracies. The accounts in question are listed below : [ Charged Off Accounts ] XXXX XXXX, XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$180.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1300.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2200.00} XXXX XXXX  XXXX, XX/XX/XXXX, {$160.00} XXXX  XXXX, XX/XX/XXXX, {$2100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$760.00}

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 explanation
Consumer complaint received 2025-11-17 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 1002 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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 XXXX 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have observed multiple discrepancies on my credit report. I am currently disputing all listed items and request method of verification for any accounts claimed to be associated with me.

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 2025-11-17 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: GA

Complaint narrative:
I have observed multiple discrepancies on my credit report. I am currently disputing all listed items and request method of verification for any accounts claimed to be associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation & Correction of Personal Information Re : FCRA 602, 607 ( b ), 611 To Whom It XXXX Concern, I am writing to dispute and request corrections to personal information on my TransUnion credit report dated XX/XX/XXXX. Under the FCRA, all information must be accurate, complete, and verifiable. 

XXXX. Incorrect Names to Remove XXXX, XXXX, XXXX Any other variation not matching my legal name Correct Legal Name : XXXX XXXX XXXX XXXX. Address Corrections Correct Current Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Addresses to Remove : XXXX XXXX Ct, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX any outdated employment listings. 

Please complete your reinvestigation and send me confirmation of updates per FCRA 611. 

Documents Included : Drivers license Utility bill/proof of address Social Security XXXX XXXX Thank you for your prompt attention. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-17 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: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ALCAR INC.
State: SD

Complaint narrative:
I applied for a small XXXX loan and they wanted all my banking information and copies of my driver 's license. 
I got a email from Dr Bank and it states they need the information again, so I send it again. 
Today I get a email stated I was approved for the XXXX dollars and to electronically sign the documents and will receive my funds in my bank account. 
As on as I check off the boxes and agree with terms and conditions? 
I get a notice that Dr Bank can't offer me a loan. 
The reason was due to a hard credit inquiry??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 is not a mistake on my part. My credit report contains inaccuracies that are not assured to be of the maximum possible accuracy. These errors are severely impacting me in ways that are unacceptable, and I will not tolerate their continued presence during these challenging times. Correcting or removing them would be a significant relief, but it is my right to demand immediate action.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit. 

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected 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 explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-11-17 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 Sir/Madam, I am submitting this dispute regarding the following accounts on my credit report, as provided by the credit bureaus. I request that these issues be investigated and corrected as per the guidelines under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$7300.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$5500.00} XXXX CO XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$280.00} Inquiries : XXXX XXXX XXXXXXXX : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account Number : XXXX 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
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was charged a {$2500.00} interest fee on my Synchrony Bank credit card after a promotional period expired. XXXX XXXX XXXX XXXX XXXX and was overwhelmed with XXXX appointments all of 2025 due to compilations. I am in recovery and XXXX XXXX, so I did not realize the promotion had ended. XXXX a loyal customer and was getting my monthly payments taken out of my bank account. I contacted XXXX as soon as I noticed the charge and requested a one-time courtesy interest adjustment or hardship review. I spoke with multiple representatives and a supervisor, but they refused to adjust the charge. This {$2500.00} interest fee is causing financial hardship, especially because I couldnt work with the complicated XXXXXXXX XXXX XXXX, and I am asking Synchrony to review the charge and provide a goodwill adjustment. 
The {$2500.00} interest charge is creating a financial burden, and I am asking for a reasonable review of the situation. Synchrony advertises flexibility and hardship support, but they denied my request despite clear extenuating circumstances.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing an urgent and formal complaint against Experian, Equifax, and TransUnion for their systemic and willful failure to maintain accurate credit information, as required by federal law. My credit report has been contaminated with multiple fraudulent accounts that belong to another individual, and the continued reporting of these inaccurate " charge-offs '' constitutes a severe violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The following accounts are definitively not mine, and their presence on my report demonstrates a catastrophic failure of the bureaus ' reasonable procedures : XXXX Account # XXXX : Fraudulently reported as a charge-off from XXXX to XX/XX/XXXX. 

XXXX XXXX Account # XXXX : Fraudulently reported with wildly inconsistent debt amounts {$7400.00} on TransUnion and {$7300.00} on XXXX  the data is unverified and unreliable. Equifax 's failure to report it at all further highlights the chaotic and unreasonable nature of this reporting. 

XXXX XXXX Bank XXXX Account # XXXX : Fraudulently reported as a charge-off. 

XXXX XXXX XXXX Account # XXXX : Fraudulently reported as a voluntary surrender from XXXX to XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief