vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: HI

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-12 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-12 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 following charged-off accounts and late payments on my Experian credit report : Charged-Off Accounts : XXXX XXXX XXXX XXXXXXXX, XX/XX/year>, Balance : {$7000.00} Late Payments : 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 2025-11-12 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: NC

Complaint narrative:
DEAR SIR/MADAM, I am submitting a formal dispute regarding my credit report and the following inaccuracies. I request a thorough investigation and prompt correction of the following items. 

Charged-Off Accounts : 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 XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX Late Payment : 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 2025-11-12 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: SC

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
Consumer complaint received 2025-11-12 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: MO

Complaint narrative:
Inaccurate reporting for XXXX  ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Identity IQ credit report XX/XX/XXXX This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting of my Student Loan account ending in XXXXXXXX XXXX XXXX XXXX XXXX  on my Equifax credit report. 
Equifax lists this account as XXXX  days late in XX/XX/XXXX but paid ok several months leading up til XXXX and thereafter. XXXX  and XXXX  show no reporting XX/XX/XXXX, ok in XXXX and XX/XX/XXXX, then XXXX  days late in XXXX of XXXX. A XXXX late can not occur without sequential prior delinquencies, rendering this reporting factually impossible. 
This violates FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy.

Under 611 ( a ), this entry must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
I am the victim of identity theft, and several fraudulent accounts have been reported on my credit file without my authorization. These accounts include charge-offs and collections from multiple furnishers and debt buyers. Despite my prior disputes, the credit reporting agencies have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), which requires blocking of identity-theft-related information within XXXX ( XXXX ) business days of receiving proper notice. 

I previously filed a CFPB complaint identifying the fraudulent accounts, but at that time I did not submit a sworn statement. I am now submitting this sworn statement pursuant to 28 U.S.C. 1746 to formally declare under penalty of perjury that the following accounts are fraudulent and unauthorized : XXXX  XXXX XXXX {$9200.00} ( Charged Off ) XXXX XXXX  {$460.00} ( Charged Off ) XXXX XXXX XXXX XXXX XXXX  {$490.00} ( Charged Off ; sold to XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ( Collections ; original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} ( Collections ; original creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ( Relationship Terminated ) Due to the federal government shutdown, I was unable to obtain an FTC Identity Theft Report or police affidavit. Nevertheless, under FCRA 605B and 603 ( q ), a consumer 's sworn statement constitutes an identity theft report sufficient to trigger the blocking requirement. The credit bureaus and furnishers have continued to report false data in violation of 1681s-2 ( a ) ( 6 ) ( B ), and the bureaus have failed to conduct a reasonable reinvestigation under 1681i ( a ) XXXXI previously filed CFPB complaints with each of the XXXX major credit reporting agencies regarding these fraudulent accounts. These complaints are : XXXX  ( Complaint ID : XXXX, Status : Open, Sent to Company ), XXXX ( Complaint ID : XXXX, Status : Open, Sent to Company ), and Equifax, XXXX ( XXXX ID XXXX XXXX, Status : Open, Sent to Company ). Despite these formal complaints being sent to the companies, the credit reporting agencies have failed to block the fraudulent accounts as required under FCRA 605B. This continued failure to comply with federal law after receiving proper notice through official CFPB channels demonstrates willful non-compliance and necessitates enforcement action to protect my rights as a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
On XX/XX/year>, between approximately XXXX PM and XXXX PM, I spoke multiple times with the American Express XXXX department regarding the XXXX disputed accounts ( ending XXXX and XXXX ). 

During these calls, Amex representatives confirmed that my file is listed under individual/personal credit and that they dont even see XXXX XXXX XXXX anywhere in the system. This is how they justified reporting both accounts to the consumer credit bureaus under my personal name. 

This directly contradicts XXXX written statements to the CFPB on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, in which they acknowledged that these were small-business accounts under XXXX  XXXX  XXXX and XXXX admitted that no signed or executed credit applications exist because they were submitted online and are not retained beyond XXXX years. 

Both accounts continue to appear on my XXXX  and XXXX credit reports as individual accounts, which is false and misleading representation. I have printed copies of my XXXX report confirming this inaccurate reporting. 

In addition, XXXX has already deleted both American Express tradelines after completing its reinvestigation and determining the information was unverifiable, confirming that Amex can not substantiate the data it continues to furnish. 

Its also important to note that both Amex lawsuits ( XXXX XXXX. XXXX and XXXX ) were dismissed by the court after Amex failed to provide proof of any personal liability or signed credit agreement. Despite these dismissals and their own admissions, Amex continues to report these unverifiable business accounts as personal debt, in violation of FCRA 1681s-2 ( b ), 1681e ( b ), and 1681i. 

When I attempted to speak with the XXXX department, I was told it wasnt their issue and was repeatedly transferred back to the XXXX department, resulting in hours of circular communication with no resolution. XXXX departments contradict each other, ignore factual evidence, and refuse to correct their reporting. 

I request that the CFPB investigate these ongoing violations and require Amex to remove these false tradelines from all consumer credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 2025-11-12 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: 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 non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
Upon careful review of my credit report, I discovered unauthorized inquiries, a fraudulent account, and an inaccurate address none of which I authorized or initiated.

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD BANK terminated my client relationship and closed my account. on XX/XX/year>, the bank removed the funds from my accout, yet to date, i have not recieved those funds or any written confirmation of the final closure. 

i have repeatedly contacted td bank 's customer service and branch representatives, but each time i am told that the matter is " under review '' or " with the back office '', with no clear timeline or explanation. it has now been several weeks, and my funds remain in limbo. 

TD bank 's lack of transparency and unreasonable delay in releasing my funds is unacceptable. i am requesting immediate confirmation of where my funds are being held and prompt disbursement to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XX/XX/XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XX/XX/XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XX/XX/XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I have been a victim of fraudulent inducement by a serial scammer. We hired a XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX through it's owner XXXX XXXX in XXXX from a XXXX XXXX for XXXX XXXX for a home repair of an outside deck that required a make safe building permit. 

We signed a contract XXXX XXXX, XXXX  and were asked to provide {$5000.00} in advance for an {$8000.00} contract. We made a series of Zelle  transfers to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX & XXXX stalled us for about XXXX weeks with various excuses and then stopped responding all together. 

We have made an initial complaint with our bank XXXX XXXX  and the recipients bank, Bank XXXX XXXX and Zelle .. TD Bank denied our claim twice even after we showed that this was a case of fraudulent inducement. Our research also shows that this individual, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX has a conviction in Pennsylvania for this same crime. Although XXXX XXXX  has denied our claim they have denied reuests to speak to the actual XXXX. We have also sent documents to XXXX  regarding XXXX XXXX 's conviction but also that XXXX XXXX XXXX XXXX XXXX XXXX continues to use Zelle to collect advance payments and disappears after receiving the payments. 

Zelle, XXXX  and XXXX  XXXX XXXX are enabling this continuing fraud by allowing their services to be used to perpetrate these crimes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX  - XXXX XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX - XXXXXXXX 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 2025-11-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Volvo Car Financial Services U.S., LLC
State: GA

Complaint narrative:
I leased a new XXXX XXXX in XXXX from XXXX XXXX of XXXX, NY, and I was not made aware of any recalls or issues with the vehicle before leasing it, but the dealership insisted that I obtain an addtiional insurance policy in case there were any problems with the vehicle, which made me feel pressured, uncomfortable, and concerned. I now know that they were pushing this coverage due to known issues with the vehicle that they were hiding, as I have since learned through my own research that several other XXXX models have had catasrophic issues with brake and steering failures, and in fact there is a class action lawsuit against XXXX currently. On XX/XX/XXXX at XXXX XXXX ET, I was involved in an auto accident that occurred when the brakes and steering were locked from my control by faulty driver assistance features in my newly leased XXXX XXXX, as I was pulling into a parking space in a shopping center. The inability to have control of the brakes and steering caused the vehicle to surge forward and hit the vehicle in the parking space directly iin front of me with such continued force that the vehicle, a large XXXX, was pushed 6 feet backwards out of the parking space and into the aisle of the parking lot. My vehicle then lurched to the right and hit a tree before finally coming to a stop, after which both my fiancee and I were trapped in the vehicle while the locks, windows and doors remained unresponsive. We were thankfully able to finally exit the vehicle with no injuries, and fortunately the driver of the XXXX  was not in or near their vehicle at the time, so no one else was injured either. The incident was so terrifying and traumatic that neither myself nor my fiancee will ever set foot inside of the vehicle again. We continue to imagine how horribly worse this could have turned out if the driver of the XXXX had been entering, exiting, or inside of the vehicle, or worse yet if XXXX of the many pedestrians in the busy shopping center on a Saturday had been in the path of the out-of-control vehicle. Despite relaying these details however, the dealership manager refused to take my calls to faciliate return of the vehicle, and XXXX corporate merely noted the details and said they would get back to me. The car was leased in NY XXXX, where there are strict Lemon Laws that applly to faulty vehicles, so I feel that I was horribly misled and mistreated by Vovlo Financial in fording unneccessary insurance to cover known faults in thier vehicles, and refusing to retake ownership of the leased car, and having myself released from further financial obligation.

Company response to consumer: Closed with explanation