vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
This account is inaccurately reported across credit bureaus as both a charge-off and a collection. Additionally, the payment history reflects charge-off statuses for several months after the account was closed, and the account is still being marked derogatory even though the balance is {$0.00}. These inaccuracies directly violate my rights under the FCRA. 

Violations of the FCRA : FCRA 1681e ( b ) : Failure to ensure accurate reporting.

FCRA 1681i : Failure to reinvestigate disputed information within XXXX  days.

FCRA 1681s-2 : Reporting inaccurate information with actual knowledge of errors.

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

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$420.00} XXXX XXXXXXXX BALANCED {$18000.00} XXXX  XXXX BALANCED {$1300.00} XXXX XXXX BALANCED {$3400.00} XXXX XXXXXXXX BALANCED {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$5500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$420.00} XXXX XXXX BALANCED {$3400.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$420.00} XXXX XXXXXXXX BALANCED {$18000.00} XXXX  XXXX BALANCED {$1300.00} XXXX XXXX BALANCED {$3400.00} XXXX XXXXXXXX BALANCED {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$5500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$420.00} XXXX XXXX BALANCED {$3400.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-08-08 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: CT

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX BALANCED {$7400.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$3700.00} XXXX  XXXX XXXX XXXX BALANCED {$3500.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - XX/XX/2024

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 2025-08-08 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: CT

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX BALANCED {$7400.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$3700.00} XXXX  XXXX XXXX XXXX BALANCED {$3500.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - XX/XX/2024

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 2025-08-08 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 reported to be removed/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 may 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. 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!

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

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

Company 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 2025-08-08 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 am a confirmed victim of identity theft. Since XX/XX/year>, I have submitted more than XXXX formal disputes and XXXX ( XXXX ) FTC Identity Theft Reports to TransUnion LLC, along with police reports, government-issued ID, and written 1681c-2 block requests. 

Despite this, TransUnion has failed to block the fraudulent XXXX XXXX tradeline within the XXXX business days required under FCRA 1681c-2. This account has been deleted and then reinserted without certification or notice, in direct violation of 1681i ( a ) ( 5 ) ( B ). 

CFPB Complaint IDs already filed include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Violations include : 1681c-2 Failure to block fraudulent data 1681i ( a ) ( 5 ) ( B ) Reinsertion without notice and certification 1681e ( b ) Failure to maintain maximum accuracy 1681i ( a ) Failure to conduct a reasonable reinvestigation 1681b Lack of permissible purpose 1681n Willful noncompliance TransUnion has also denied block requests without explanation ( violating 1681c-2 ( c ) ) and misclassified my identity theft claims as ordinary disputes. This repeated reinsertion of the XXXX XXXX account is causing ongoing credit score harm, credit denials, and emotional distress. 

Requested resolution : XXXX permanent block of the XXXX XXXX account, written certification that no reinsertion will occur without full 1681i ( a ) ( 5 ) ( B ) compliance, and correction of all credit reports.

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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
A person attempted to open a XXXX XXXXXXXX XXXX XXXX account for XXXX XXXX XXXX XXXX on XX/XX/25 and I managed to call XXXX to get the application shut down. I was unable to get a copy of the credit card application unfortunately. The XXXX  company did advise they will mail a letter about the application. Another credit application was submitted on XX/XX/25 to Wells Fargo for the XXXX XXXX XXXX XXXX under my name and I managed to call Wells Fargo to stop the application from being processed since I did not apply for it.

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 2025-08-08 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: MD

Complaint narrative:
Recently, I discovered that my personal identifying informationsuch as my name, address, Social Security number, employment data, and other sensitive recordsmay have been accessed or exposed via XXXX Data Breach and its affiliated data aggregators without my knowledge or consent. I have reason to believe this data exposure has contributed to fraudulent activity, unauthorized credit inquiries, and other misuse of my identity. I do not recognize the accounts listed below 1. XXXX XXXX Account No : XXXX 2. XXXX XXXX XXXX Account No : XXXX 3. XXXX XXXX Account No : XXXX 4. XXXX  XXXX # XXXX Account No : XXXX 5. XXXX XXXX Account No : XXXX 6. XXXX XXXX XXXX Account No : Unspecified 7. XXXX Account No : XXXX 8. XXXXXXXX XXXX XXXX 
Account No : Unspecified 9. XXXX XXXX ( x2 accounts ) Account No : XXXX & XXXX 10. XXXX ( Collections ) Account No : XXXX 11. XXXX XXXX XXXX ( Collections ) Account No : XXXX

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

Complaint narrative:
Recently, I discovered that my personal identifying informationsuch as my name, address, Social Security number, employment data, and other sensitive recordsmay have been accessed or exposed via XXXX Data Breach and its affiliated data aggregators without my knowledge or consent. I have reason to believe this data exposure has contributed to fraudulent activity, unauthorized credit inquiries, and other misuse of my identity. I do not recognize the accounts listed below 1. XXXX XXXX Account No : XXXX 2. XXXX XXXX XXXX Account No : XXXX 3. XXXX XXXX Account No : XXXX 4. XXXX  XXXX # XXXX Account No : XXXX 5. XXXX XXXX Account No : XXXX 6. XXXX XXXX XXXX Account No : Unspecified 7. XXXX Account No : XXXX 8. XXXX XXXXXXXX XXXX 
Account No : Unspecified 9. XXXX XXXX ( x2 accounts ) Account No : XXXX & XXXX 10. XXXX ( Collections ) Account No : XXXX 11. XXXX XXXX XXXX ( Collections ) Account No : 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 2025-08-08 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: NY

Complaint narrative:
I just looked at my consumer reports and noticed a late payment on an account that I was never late for.

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : As CLEARLY stated in 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does NOT include ANY reporting containing information solely as to transactions or experiences between the consumer and the person making the report. The reported information was an EXPERIENCE of mine, which means that the information must be EXCLUDED from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally bank- I paid for my car in full in XXXX  and they still don't send me the title. I called them after I pay it, and they keeps transfering me. Now I am trying to sell the car and I can't, because I don't have the title. I have been calling them multiple times since last month I evens spoke with a supervisor and he said again that they will send it. That was 10 days ago and I still waiting for it. I also put a comment on XXXX regarding this issue. I want my title and I want it asap.

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

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-08 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is XXXX of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is XXXX of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-07 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: AZ

Complaint narrative:
I am filing this complaint because Experian is reporting multiple student loan accounts serviced by XXXX and owned by the U.S. Department of Education that have been subject to unauthorized access. In XXXX, the Department of Government Efficiency ( DOGE ), a federal office led by XXXX XXXX, was granted access to sensitive federal student loan data without my consent, which violates federal privacy laws and exposes my personal information to risk. 

Despite these privacy breaches and ongoing lawsuits regarding this unauthorized access, Experian continues to report these accounts on my credit report without addressing the security violations or my dispute requests. This inaccurate reporting harms my credit and exposes me to potential identity theft. I am seeking an investigation and removal or blocking of these accounts until the privacy issues are resolved. 


Additionally, my personal identifying information was previously compromised in the XXXX XXXX  data breach, which exposed Social Security numbers and other sensitive details of millions of Americans, including myself. 

The combination of these incidents places me at heightened risk for identity theft, fraud, and misuse of my personal and financial information. I am filing this report to document the unauthorized access, protect my rights under federal law, and request that any related inaccurate or unauthorized information be blocked or removed from my credit reports and financial records. 

I have filed an official Identity Theft Report with the Federal Trade Commission. The FTC report number is : [ XXXX ] Please consider this report as formal documentation of unauthorized access to my personal and student loan information. I request that you process my dispute in accordance with FCRA 605B and block or remove any accounts related to this identity theft.

Thank you for your prompt attention to this matter.

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 2025-08-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding the rental collection account reported by National Credit Systems , Inc. ( Account ending in XXXX ). I have disputed this item with the credit bureaus, but no sufficient documentation or validation has been provided to support the legitimacy or accuracy of this debt.


Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) and the Fair Debt Collection Practices Act ( FDCPA ) 809, I have the legal right to request and receive full validation of any alleged debt being reported.To date, I have not received any of this required documentation. If the debt can not be fully validated, it must be deleted from my credit report in accordance with federal law. This unverifiable collection is damaging my credit standing and is being reported without proper substantiation, in direct violation of both the FCRA and FDCPA. I am requesting immediate investigation and removal of this account from all consumer reporting agencies if proper validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: SC

Complaint narrative:
Explain multiple times I have put money in my chime account and I have got taken away from me account got closed. Keep trying to reopen it and its not letting me.

Company response to consumer: Closed with explanation