vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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:
am writing to formally demand the immediate removal of a fraudulent account reported by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, which continues to appear on my credit reports with TransUnion, Experian, and Equifax. 

I have previously submitted the following to all parties involved : An Identity Theft Report filed with the Federal Trade Commission ( FTC ) A police report substantiating that the account is the result of identity theft A signed affidavit under penalty of perjury, affirming that I did not open or authorize this account Despite providing substantial documentation proving the account is fraudulent, the account remains on my credit file. I have received no sworn affidavit or verification signed under penalty of perjury from either XXXX or XXXX XXXX XXXX establishing that I owe this alleged debt. Therefore, your continued reporting and verification constitute a willful and negligent violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation 15 U.S.C. 1681i ( a ) Failure of the credit reporting agencies to delete inaccurate or unverifiable information after receiving notice of a dispute 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information Furthermore, your conduct constitutes harassment, unjust enrichment, and extortion by continuing to damage my credit reputation and pressuring me to resolve a debt that I do not owe. This has caused me significant emotional distress, reputational harm, and financial injury. 

DEMAND FOR ACTION : I hereby demand the following within four ( 4 ) calendar days from the date of this letter : 1. Immediate deletion of the XXXX and XXXX tradelines from all credit reporting agencies ; FTC REPORT ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX began reporting a 30-day late payment on my Citi Cards account , while XXXX  continued to report the account as current and paid on time. This inconsistency among the credit bureaus shows that the information being furnished is inaccurate. Based on my payment confirmations and records, I have never been late on this account. I contacted Citi Cards and requested documentation to verify the alleged delinquency, including the payment due date, the date the payment was received, and the posting date, but I have not received proper validation. Despite the lack of evidence, the late payment continues to appear on my XXXX XXXX XXXX reports and is damaging my credit profile.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was reviewing my credit report and noticed incorrect information that hasn't been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: PR

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  DATE : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXXXXXX 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 2025-08-18 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: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-18 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-18 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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 Balance : {$780.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX. Ill draft you a strong, professional but outraged complaint statement you can copy right into the CFPB form. Heres one you can use ( feel free to tweak the tone to your liking ) : Complaint Statement : I am outraged at the way Experian has handled my account. I paid {$26.00} for their service, yet I am being completely locked out of my own account because my old phone number is still attached. They refuse to let me update my number, and instead continue to send security codes to a stranger who now has my old number. This is a serious security risk and a violation of my privacy. 

I have tried repeatedly to reach customer service, but every time I call I am hung up on or ignored. I am essentially paying for a service I can not use, while Experian continues to take my money with no accountability. The audacity of a credit reporting agency to not only charge me but also put my sensitive information at risk is unacceptable. 

All I am asking for is access to the account I am paying for, the ability to update my contact information, and to be treated fairly as a paying customer. Instead, Experian has left me vulnerable, frustrated, and out of money. I expect immediate resolution, a refund of the {$26.00} I paid, and a secure way to access my own credit information on my account!

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 2025-08-18 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: GA

Complaint narrative:
I am submitting a formal dispute regarding accounts reflected on my credit report that I did not approve. I respectfully request a comprehensive inquiry and removal. Relevant documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: AZ

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts, and their presence on my credit report is unacceptable. They present inaccurate and misleading information about my financial history, which I take very seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX and XX/XX/year>, I disputed the Macys American Express account ending in XXXX with Citibank, Macys, XXXX XXXX XXXX, and the credit bureaus. I repeatedly requested validation including the original signed application or wet-ink contract proving this account belongs to me. No such documentation has ever been provided. 

Contradictory responses from the companies involved : Citibank sent me a letter dated XX/XX/year> confirming they are no longer attempting to collect on this account. 
XXXX XXXX XXXX confirmed in writing on XX/XX/year> that the account was closed in their office on XX/XX/year> and returned to Citibank. 
Macys sent letters dated XX/XX/year> and XX/XX/year> claiming the account is valid but admitted they are not collecting. 
These statements contradict each other, and no party has produced real proof of ownership. 

Inaccurate and harmful reporting : Despite Citibank and XXXX closing the account, Macys/Citibank continues updating my credit reports. 
On XX/XX/year>, my XXXX report showed the balance drop from {$3600.00} to {$0.00}. A week later, between XXXX, XXXX showed the balance increase back to {$3600.00}. 
These inconsistent updates are damaging and violate FCRA 607 ( b ) ( requirement for maximum 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 non-monetary relief
Consumer complaint received 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 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:
This record of a late payment is uncharacteristic of my financial behavior. I request its prompt removal after verification.

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 2025-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase business checking account. They payed out checks that I wrote in XXXX, somehow they cashed/payed them out again last year. A refund of these amounts is being requested. Our business funds are supposed to be safe, but they just hand money out without looking at the checks. We have 5 business checking accounts with them, and will be closing all.

Theres obviously a security issue on their end, where they pay out checks in a branch and allow the same check to be direct deposited. 
Check XXXX {$570.00} # XXXX {$580.00} # XXXX {$580.00} # XXXX {$350.00} # XXXX {$570.00} # XXXX {$580.00} # XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I am filing this complaint because are reporting inaccurate and inconsistent personal information on my credit reports. 

My correct legal name is : XXXX XXXX XXXX My correct current address is : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX However, the credit bureaus are reporting : Multiple incorrect names/aliases ( such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX and others ), which are not my legal name. 

Incorrect and outdated addresses, including residences in XXXX XXXX XXXX XXXX locations where I have never lived. 

These errors are misleading, create a risk of mixed files, and are negatively impacting my credit profile. 

According to the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 611 ), the credit bureaus are required to maintain maximum possible accuracy of consumer information and must promptly delete incorrect personal information when requested.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because are reporting inaccurate and inconsistent personal information on my credit reports. 

My correct legal name is : XXXX XXXX XXXX My correct current address is : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX However, the credit bureaus are reporting : Multiple incorrect names/aliases ( such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX and others ), which are not my legal name. 

Incorrect and outdated addresses, including residences in XXXX XXXX XXXX XXXX locations where I have never lived. 

These errors are misleading, create a risk of mixed files, and are negatively impacting my credit profile. 

According to the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 611 ), the credit bureaus are required to maintain maximum possible accuracy of consumer information and must promptly delete incorrect personal information when requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please help me investigate accounts where I am being wrongly reported for late payments. Upon reviewing my credit report, several accounts were marked late when they shouldn't be. There should be no late payment annotationsplease remove these inaccuracies and update the accounts as previously agreed in positive standing. In addition, the account currently showing delinquency is incorrect and should be disputed and marked with no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: PA

Complaint narrative:
I am seeking your help to remove unauthorized accounts listed on my credit report. I never opened or authorized them, and I was not notified of their inclusion. Pursuant to USC 1681g, I request they be removed within 15 days. Enclosed are supporting file.

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