vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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 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  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY 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 2025-08-14 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: CA

Complaint narrative:
I am filing this complaint against Equifax for failing to maintain accurate and verifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). I have identified the following accounts containing inaccurate, incomplete, or unverifiable data : XXXX. XXXX XXXX XXXX XXXX Acct # XXXX  XXXX - Incorrect charge-off and balance reporting ; DOFD conflicts with payment history ; possible inflated deficiency balance. 
XXXX. XXXX XXXX XXXX XXXX XXXX Acct # * XXXX - Incorrect DOFD that extends reporting period ; delinquency dates inconsistent with payment history. 
XXXX XXXX XXXXXXXX XXXX Acct XXXX * XXXX - Reported 6089 days past due without verifiable evidence ; DOFD inconsistent with records. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # * XXXX - No proof of debt validation ; questionable re-aging of account from XX/XX/XXXX to XX/XX/XXXX. 
FCRA Violations Include : - 605B Failure to block identity theft-related or fraudulent information. - 609 ( a ) ( 1 ) ( A ) Failure to provide original creditor documentation upon request. - 611 ( a ) Failure to correct or delete inaccurate or unverifiable information after dispute. 
Requested Resolution : 1. Immediate removal of the above-listed accounts from my Equifax credit file due to inaccurate and/or unverifiable reporting. 2. Written confirmation from Equifax that these deletions have been completed and will not reappear unless fully verified with original documentation.

3. Compliance with all FCRA timelines and obligations.

I have attached a copy of my credit report with disputed items highlighted for reference. Please investigate and compel Equifax to correct these violations promptly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
I WAS AFFECTED BY EQUIFAX DATA BREACH I SUPPLIED FTC REPORT AND OTHER INFORMATION IN REGARDS TO THE DATA BREACH AND IT WAS NOT DELETED. ENGAGEMENT NUMBER FROM DATA BREACH 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 2025-08-14 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: PA

Complaint narrative:
Experian continues to report me as being 30 late in XX/XX/XXXX when I was not late. The company was provided with supporting documents for ever month i question, but the continue to report me as 30 days late. The company that I had an issue with is XXXX XXXX XXXX XXXX. A company that I already reported to the XXXX XXXX XXXX XXXX XXXX. It was a long battle, but at least we made much progress. Anyhow, I took an auto loan out in XX/XX/XXXX. The car is now paid off, but my trade line account still shows a 30 late remarks listed on my credit report. Information has been provided.

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 2025-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My payment of XXXX was received on the XXXX, they repod my vehicle in the early hours of the XXXX, knowing the payment was already received, my regular payment of XXXX was due on the XXXX XXXX  of XXXX, I was 2 months behind until the received payment on the XXXX. I had to wire XXXX to them today. This does not make sense to me. I need my truck back for my livelihood, I was not notified at all. They took the truck knowing payment was already received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$270000.00} XXXX  XXXX  XXXX Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
Around the hours of XXXX on XX/XX/year> The Complainant would attempt to open an account with XXXXXXXX XXXX  XXXX at the XXXX XXXX XXXX, but would be refused due to a XXXX XXXX XXXX The Complainant is currently able to invest money into XXXX XXXX, through brokerage accounts tied to his social but isn't able to open an account with said very same social security number and deposit cash into the bank. The Complainant believes this is fair banking discrimination, general discrimination, XXXX XXXX  intimidation and harassment and a clear attempt at unbanking The Complainant.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).

This is my fourth dispute regarding the continued reporting of inaccurate late payment entries on my credit file. Despite multiple disputes over several months, none of the credit bureaus have provided legally sufficient verification of the disputed items. The repeated failure to correct or remove this inaccurate information violates federal law. 

Disputed Accounts Late Payment ( Open ) XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  These late payments appear to be the result of billing errors under 15 U.S.C. 1666 ( b ) due to : Failure to correctly post or credit timely payments Computation or accounting errors by the creditor Failure to send a billing statement at least 21 days before the due date, making the late payment reporting invalid The credit bureaus have failed to : Provide documentary proof substantiating the accuracy of these late payments Identify the method of verification and the furnishers contact information as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Correct or remove the inaccurate information within the legally required time frame Their continued inaction demonstrates willful noncompliance, making them liable under 15 U.S.C. 1681n for willful violations and 15 U.S.C. 1681o for negligent violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Information on Charged-Off Account [ Account Number ] To Whom It May Concern, I am writing to formally request detailed information about the above-referenced account, which your records indicate was charged off on [ date ]. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and any other applicable state laws, to obtain complete and accurate information about this account. 

Please provide the following : XXXXThe date of the last payment made on this account. 
XXXXThe date the account first became delinquent leading to the charge-off. 
XXXXA complete payment history, including an itemized accounting of all charges, interest, and fees added to the balance. 
XXXXThe amount of the debt at the time of charge-off, and the current balance owed ( if any ). 
XXXXWhether this account has been sold or transferred to another entity, and if so, the name and contact information of the current owner. 
XXXXDocumentation, including a copy of the original signed agreement or contract, establishing my obligation to pay this debt. 

Please note that until I receive the requested documentation, I dispute the accuracy and completeness of this account as reported to any credit reporting agencies. If you are unable to provide this information, please update my credit report accordingly to reflect the accounts removal or correction. 

This request is being sent via Certified Mail, Return Receipt Requested to ensure proof of delivery. Please respond within XXXX days of receipt. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I cancelled my XXXX  home internet and immediately received confirmation of cancellation. On XX/XX/XXXX a " bill '' was issued showing a * CREDIT * balance in the amount of {$23.00}. On XX/XX/XXXX I received an email confirming receipt of my equipment with a {$0.00} balance due for the equipment. My account online still showed a * CREDIT * balance of {$23.00}. On XX/XX/XXXX I received an email from Alliance One purporting to collect a debt for XXXX in the amount of {$51.00}. The email showed the same credit balance of {$23.00}, an unspecified and unexplained " fee '' of {$41.00}, and a payment ( credit ) that I'd supposedly paid amounting to {$34.00}. The fee is unknown to me and the math doesn't even add up. On XX/XX/XXXX I received a debt collection letter in the mail from T-Mobile alleging I owe a balance of {$51.00}. On XX/XX/XXXX I received an email from XXXX thanking me for my " payment '' of {$60.00} which I NEVER authorized, and now stating I have a credit balance of {$8.00}. My XXXX account online still shows a credit balance of {$23.00}. I have no idea why this account was turned over to collections a mere XXXX weeks after account closure when their own accounting shows that I have a CREDIT that should be refunded to me in the amount of {$23.00}, and there should be no transactions ( charges or credits ) after my account was closed on XX/XX/XXXX and the equipment was confirmed received with no damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had signed up for a website through PayPal but I had the account canceled through PayPal but then the company took the money again after it was corrected and I had gotten a new debit card. XXXX times and XXXX hours apart I asked PayPal to refund me my money back to me and they said they can not see the second transaction even though I sent them proof via screenshot to their customer service department and theyre still refusing to give me my money back which made my bank account give me XXXX different overdraft fees. I called PayPal after my bank said to call them to have them send the money to the correct bank card and theyre still refusing. They said that I could report them because I told them the bank told me to tell them about the money they owed me but I still cant get the money back. Thats XXXX plus XXXX dollars for the overdraft fees. Theyre claiming its not their problem while the bank is saying yes it is and they have to pay the overdraft fees and return the original money too. So Im reporting it like my bank told me to and if this doesnt work the bank said to file a police report on them which is PayPal XXXX I also have been calling them for the last XXXX to XXXX days thats what caused the overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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