vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Identity Theft Report I am reporting that a fraudulent account was opened with The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A XX/XX/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 XX/XX/XXXX under my identity without my knowledge or authorization. I did not apply for, open, or use this account. 


I have never done business with any of this institution, and I did not authorize anyone to open an account on my behalf

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 2025-06-07 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: FL

Complaint narrative:
Identity Theft Report I am reporting that a fraudulent account was opened with The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A XX/XX/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 XX/XX/XXXX under my identity without my knowledge or authorization. I did not apply for, open, or use this account. 


I have never done business with any of this institution, and I did not authorize anyone to open an account on my behalf

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 2025-06-07 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized account listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the 3 Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized account listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the 3 Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8400.00}

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 2025-06-07 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: VA

Complaint narrative:
Im submitting this complaint after repeated unsuccessful attempts to get XXXX and Experian to correct an account I do not recognize. 

In XX/XX/XXXX, Experian began reporting a new XXXX XXXX tradeline on my credit report under a new account number, showing two late payments in XXXX. I do not and never did have an active XXXX loan in XXXX. My Federal Student Aid dashboard confirms I had a single Direct Loan with XXXX that was opened on XX/XX/XXXX, paid in full on XX/XX/XXXX, and closed with a \ {$0.00} balance that same day. I can not log into XXXX site using my SSN and date of birth, and two different customer-service agents were unable to locate any account for me, though they acknowledged reporting something to the credit bureaus in XXXX. 

I first opened a dispute with XXXX  ; they closed my dispute without explanation and simply updated the account to show an additional delinquent month. I then sent Experian a dispute with documentation showing my loan was closed in XXXX, but they have taken no corrective action. I sent a direct-dispute/validation request to XXXX demanding they validate the account with promissory notes and payment records or cease reporting, but have received no meaningful response.

Despite providing clear evidence that this tradeline is inaccurate and unverifiable, both the furnisher and the credit bureaus continue to report it. This false tradeline is harming my credit score and financial standing. I am requesting that the CFPB investigate and require removal of the inaccurate tradeline from 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 explanation
Consumer complaint received 2025-06-07 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital is attempting to collect two separate time-barred debts one allegedly from XXXX and another from a creditor called XXXX. I received two nearly identical letters from them stating that because of the age of the debt, we can not sue you.

This means they admit the debts are outside the statute of limitations. However, they failed to validate either account after my written request, which is a violation of FDCPA 809 ( 15 USC 1692g ).

If they are reporting this unverified, time-barred information to any credit bureau , that is a separate violation under FCRA 623.

I am requesting that both accounts be permanently deleted, all collection activity cease, and I receive written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One Main Financial claims I opened an account on XX/XX/year>2022 and claimed i made 21 payments and 3 different loan modifications. This is all untrue as my identity was stolen in which I have information on. 

The One Main Financial number is XXXX Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
Sequium Reference Number : XXXX Creditor : XXXX XXXX  Amount : XXXX Reached out seeking more information about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: MD

Complaint narrative:
XXXX XXXX XXXX is furnishing a charged-off student loan to my Equifax credit report without meeting the legal requirements of the Fair Credit Reporting Act. The reporting lacks a permissible purpose under 15 USC 1681b and was furnished without proper authorization or disclosure. It violates my right to privacy and the requirement that all information furnished be accurate, complete, and verified under 15 USC 1681e ( b ). This data was added to my report without giving me the legally required opportunity to review or dispute billing errors, which violates 15 USC 1666. Additionally, XXXX XXXX XXXX has failed in its responsibilities as a furnisher under 15 USC 1681s-2 by reporting unverified, unauthorized, and damaging information. This account has caused me ongoing financial and emotional harm. I have submitted an official FTC Identity Theft Report and am exercising my rights under 15 USC 1681c-2 to request the permanent blocking and deletion of this information from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: MD

Complaint narrative:
XXXX XXXX XXXX is furnishing a charged-off student loan to my Equifax credit report without meeting the legal requirements of the Fair Credit Reporting Act. The reporting lacks a permissible purpose under 15 USC 1681b and was furnished without proper authorization or disclosure. It violates my right to privacy and the requirement that all information furnished be accurate, complete, and verified under 15 USC 1681e ( b ). This data was added to my report without giving me the legally required opportunity to review or dispute billing errors, which violates 15 USC 1666. Additionally, XXXX XXXX XXXX has failed in its responsibilities as a furnisher under 15 USC 1681s-2 by reporting unverified, unauthorized, and damaging information. This account has caused me ongoing financial and emotional harm. I have submitted an official FTC Identity Theft Report and am exercising my rights under 15 USC 1681c-2 to request the permanent blocking and deletion of this information from all consumer reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized account listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these account. 
XXXX XXXX * * * * Balance : $ XXXX tied up XXXX XXXX * * * * Balance : $ XXXX tied up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: MD

Complaint narrative:
My credit report contains personal information that was furnished without proper legal authority, including incorrect name variations, unauthorized addresses, unverified phone numbers, and a false co-signer association. It also contains a large number of inquiries that were made without documented permissible purpose, in violation of the Fair Credit Reporting Act. This includes a failure to ensure the accuracy of reported personal information under 15 USC 1681e ( b ), and furnishing data without clear permissible purpose under 15 USC 1681b. The furnishers and reporting agencies have not complied with their obligations under 15 USC 1681s-2. I have submitted an official FTC Identity Theft Report and am exercising my right under 15 USC 1681c-2 to have all disputed information blocked and permanently removed. These entries continue to cause financial and emotional harm and must be lawfully resolved. I am not disputing the XXXX XXXX account , and it should not be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: U.S. BANCORP
State: CA

Complaint narrative:
I advised US Bank XXXX XXXX that the online application said for me to finish the application and that it would not have an impact on my credit report. I did receive a hard inquiry and this is not right.

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 2025-06-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial is violating the Fair Credit Reporting Act through inconsistent and inaccurate reporting of a time-barred debt across all three credit bureaus, demonstrating failure to maintain reasonable procedures for accuracy as required by FCRA 1681e ( b ).

Critical Reporting Discrepancies : ( 1 ) Date Last Active : XXXX reports XX/XX/XXXXXXXX XXXX reports XX/XX/XXXXXXXX XXXX reports XX/XX/XXXX - three completely different dates for the same account ( 2 ) Date of Last Payment : XXXX XXXX XXXX report XX/XX/XXXXXXXX XXXX  reports XX/XX/XXXX, but actual last payment was XX/XX/XXXX ( XXXX ) Dispute Comments : Each bureau shows different dispute language despite same account and disputes ( 4 ) Time-Barred Status : With last payment XX/XX/XXXX, this debt became legally uncollectible under Texas Civil Practice & Remedies Code 16.004 ( 4-year statute ) on XX/XX/XXXX XXXX XXXX These inconsistencies violate FCRA 1681e ( b ) requiring reasonable accuracy procedures, 1681s-2 ( a ) prohibiting furnishing inaccurate information, and 1681s-2 ( b ) requiring proper dispute investigation.

Personal Impact from 18 months of inaccurate time-barred debt reporting ( XXXX XXXX XXXX ) : Ongoing stress and XXXX from dealing with this inaccurate reporting affecting my credit score and financial opportunities. Significant time and effort spent attempting to resolve this issue through proper dispute channels, only to receive contradictory responses. Personal setbacks including difficulty obtaining favorable credit terms, emotional distress from the persistent negative impact on my financial reputation, and frustration from Ally 's failure to properly investigate legitimate disputes about clearly time-barred debt. 
Previous disputes resulted in contradictory responses across bureaus proving Ally 's failure to properly investigate or maintain consistent records, causing additional stress and wasted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX  has refused to apply a credit for a return on XX/XX/year>. I used the XXXX XXXX option to make the purchase from Athleta ( Gap ). The original purchase was made on XX/XX/XXXX. I received confirmation of the return from XXXX with a verification number for a refumd of {$110.00}. I have been making calls since last XXXX to both XXXX and Synchrony bank that they had not applied the credit. Now, I owe interest that is compounding each month. I confirmed the return with the retailer and obtained proof from them as well. I have confirmation from both XXXX and the retailer and they play dumb and run me around so they can collect interest. I can not get this resolved. The only thing I can think of is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was assigned a settlement from Bank of America. The dates of the payments were XXXX, XX/XX/year>, XXXX. I met the first two payments on time and even early for the second. The last payment however I could not make because they ruled my account ineligble to use the portal to pay the last one. So I could not pay this off and now they sent it off to a collection agency who I have to work with so this doesn't show up on my credit score etc. I was able to do anything with the last payment and only got 1 letter saying " it wasnt met, sent to another agency '' Never got anything else, never got a written letter, which they said in an email I should get at the begginng of the settlement and never got a warning email or letter about this late payment I could not pay. I have a checkless debit account so I could not do that either as well they never asked or called for options. This is very malicious and very unfair to myself as I had to pay the collection agency today to avoid credit penalty. If this can be reversed and I can get my money back from the agency that would be best, I am willing to pay the last payment for them but only if they provide something I can use to pay it. I can not use checks or wire. This seems like a malicouis attempt by Bank of America. The date of e-bill service is incorrect as well, this email for that was sent AFTER the due date where I COULDNT pay the last payment

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