vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 XXXXXXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance XXXX {$2100.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX 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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
To whom it may concern, I'm writing in regards to my previous complaint and account. In the letter it stated that " XXXX XXXX XXXX '' and " He ''. Obviously this account is not mine and is reporting on my credit. I am a female, I was biologically born a XXXX. My middle name is XXXX, which I sign on all documents. If you do not have my full signature, this account is not mine. You are unlawfully reporting an account on my credit. My name is XXXX XXXX XXXX XXXX. Not XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo XXXX XXXX wrote me that they have taken steps to protect and/or restrain the customer 's accounts [ late husband 's accounts ]. I mailed the Personal Affidavit on XX/XX/year>2025 with my signature, notarized, and duty filled up to comply for the servicing of the remaining accounts. On XX/XX/XXXX. 2025, I called the number on their letter, Amsomebody told me that there was no open account. They told me to call the everyday account department and my call was dropped. It was unfair and I firmly believed that my late husband 's verbal instruction to access the money in tte bank when he passed away to pay the bills, fix the house, give to his XXXX daughters, and keep some for my future because I gave up everything for him for two decades since we got married.

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 2025-08-25 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:
Fraudulent ACCOUNTS. DATA BREACH VICTIM. IDENTITY THEFT VICTIM. PERSONAL INFORMATION EXPOSED. THESE ACCOUNTS ARE fraudulent Account name XXXX XXXX XXXX, Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$34.00}, XXXX written off. {$35.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$35000.00} Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$8.00}, XXXX past due as of XX/XX/XXXX. 



Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status

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 2025-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, What happened : On XX/XX/year>, I went to XXXX XXXX in XXXX CA to pick up a XXXX  customers order worth {$830.00}. I don't speak English and believed the staff were requesting my information, including my Social Security number, for order verification because of the high purchase value. Instead, they used my information to apply for a Best Buy credit card without my knowledge or consent. 

I was deceived into providing her SSN and signing paperwork. Only afterward did I find out that a credit card account had been opened. This was fraudulent and unauthorized. 

Steps taken : I called Best Buy Credit Services ( Citibank ). I first spoke with XXXX, who transferred me to the fraud department. I then spoke with XXXX, who closed the account and confirmed it was fraud. However, when I requested that the hard credit inquiry be removed, XXXX said she could not do this and told me I had to contact the credit bureaus myself. 

Fair resolution : I am requesting that Citibank and Best Buy : 1. Remove the unauthorized hard inquiry from all three credit bureaus ( XXXX, XXXX, XXXX  ). 
2. Provide written confirmation that the account was fraudulent and has been closed with no liability to my mother.

3. Implement stronger consumer protections to ensure this does not happen again, particularly to individuals who do not speak English fluently.

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 2025-08-25 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: GA

Complaint narrative:
Complaint narrative ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ) by this credit reporting agency regarding ( 1 ) identity-theft handling, ( 2 ) reinvestigation duties, and ( 3 ) accuracy of a public record.

Statutes at issue : 605B ( blocking identity-theft information ) 611 ( reasonable reinvestigation ; timely results ; Method of Verification ) 607 ( b ) ( maximum possible accuracy ) Background & prior steps : I submitted multiple disputes with documentation, including an FTC Identity Theft Report and police report. Despite this, the agency failed to block identity-theft information within the required timeframe, did not complete a lawful reinvestigation, and did not provide a Method of Verification ( MOV ) explaining the exact source ( s ) and documents used. I also requested correction of personal-information elements ( removal of unauthorized addresses/phone numbers, suppression of sensitive data ) with no adequate response. 

Public record inaccuracies ( XXXX XXXXDismissed ) : Across the three XXXX CRAs, the same bankruptcy public record is reported inconsistently : Filed/Reported date conflicts ( two bureaus report XX/XX/scrub>/2020 ; another reports XX/XX/year>2020 ). 

Reference numbers differ ( e.g., XXXX vs XXXX vs a lXXXX XXXX XXXX XXXX 

Closing date missing on one bureau, even though others show XX/XX/year> and the status is Dismissed. 

Court identification varies ( XXXX Bankruptcy XXXX, XXXX XXXX XXXX GA XXXX, XXXX ) instead of a uniform, accurate court name. 

These discrepancies show the record is incomplete/misleading and not maintained with maximum possible accuracy. If a third-party vendor was used, the agency has not disclosed the original court source, vendor name/ID, or the documents actually reviewed. 

Identity-theft handling : I reported fraud and requested blocking under 605B. More than four business days elapsed with no block placed, no adequate status update, and no explanation of verification steps.

Unlawful reinsertions : Items previously removed have reappeared without the required 5-day notice and without proof of proper verification, violating 611 ( a ) ( 5 ) ( B ).

Harm : These failures have caused reputational damage, credit denials/less favorable terms, and ongoing time and expense to correct my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NJ

Complaint narrative:
I am currently dealing with a very difficult situation as a victim of identity theft. These accounts were created without my permission or awareness. 
This fraudulent activity is causing me serious XXXX  and interfering with my everyday life. This include XXXX XXXX XXXX XXXX - Opened in XX/XX/scrub> 2017 2017

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 2025-08-25 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: FL

Complaint narrative:
XXXX writing to kindly request your consideration in removing late payment entries from my credit report related to the accounts listed below. I understand how important it is to make payments on time, and I take full responsibility for falling behind. These missed payments werent due to neglect, but rather unexpected challenges and Ive made it a priority to get back on track and stay current since then. 
Here are the accounts and the situations that led to the issues : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$390.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3100.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3100.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$37.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} Date XXXX : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
XXXX XXXX XXXX obtained a final Florida judgment on my auto loan, and I was granted a Florida exemption. Despite this, XXXX XXXX continues to furnish the loan as OPEN with rolling delinquencies and past-due balances to Experian, TransUnion, and Equifax. I filed multiple disputes ; each CRA returned verified/accurate, yet the tradeline remains inaccurate, misrepresenting the legal status ( merger doctrine ). Experian, TransUnion, and Equifax report varying late payments and balances despite the judgment. This violates FCRA 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ), ( b ), 1681n/1681o, and Florida law FDUTPA 501.204 and FCCPA 559.72 ( 5 ), ( 9 ).

When a final judgment is entered, the loan obligation merges into the judgment ( merger doctrine ). Continuing to report the original loan as an open, delinquent account misrepresents the legal status and violates the FCRA and Florida law. The furnisher ( XXXX XXXX ) must furnish accurate, complete data, and correct after notice of dispute ; the CRAs must ensure maximum possible accuracy and correct/delete unverifiable information. 

As a result, I have suffered and endured multiple unsuccessful attempts to reconcile inaccurate information, extreme emotional distress and XXXX, financial harm, including denial of credit and higher interest rates, and reputational damage from inaccurate reporting of debt status.

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 2025-08-25 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:
XXXX XXXX XXXX obtained a final Florida judgment on my auto loan, and I was granted a Florida exemption. Despite this, XXXX XXXX continues to furnish the loan as OPEN with rolling delinquencies and past-due balances to Experian, TransUnion, and Equifax. I filed multiple disputes ; each CRA returned verified/accurate, yet the tradeline remains inaccurate, misrepresenting the legal status ( merger doctrine ). Experian, TransUnion, and Equifax report varying late payments and balances despite the judgment. This violates FCRA 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ), ( b ), 1681n/1681o, and Florida law FDUTPA 501.204 and FCCPA 559.72 ( 5 ), ( 9 ).

When a final judgment is entered, the loan obligation merges into the judgment ( merger doctrine ). Continuing to report the original loan as an open, delinquent account misrepresents the legal status and violates the FCRA and Florida law. The furnisher ( XXXX XXXX ) must furnish accurate, complete data, and correct after notice of dispute ; the CRAs must ensure maximum possible accuracy and correct/delete unverifiable information. 

As a result, I have suffered and endured multiple unsuccessful attempts to reconcile inaccurate information, extreme emotional distress and XXXX, financial harm, including denial of credit and higher interest rates, and reputational damage from inaccurate reporting of debt status.

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 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Avant Holding Company, Inc.
State: AR

Complaint narrative:
I called XXXX, XXXX and XXXX on XX/XX/XXXX, the call XXXX minutes XXXX seconds. When I called XXXX, a woman answered my call and I was put on hold after giving my name, birth date. Then the woman who had answered came back after about XXXX minutes and said the attorney handling the case was not available but she was authorized to handle the case. I asked if she was a attorney and her reply was yes. I asked what happened to the proposed payment plan I had sent with my dispute. She said they received the dispute. I told her the repayment of the debt plan I had sent for review was in the same email. She replied " we don't discuss repayment plans by email, only by telephone ''. I said " so you did get it ''? Besides the repayment plan payments were the same as they normally would get, it also asked for the payments to start after I had recovered from several surgeries that I had just completed. Since XX/XX/XXXX to date I have had both left and right knees completely replaced. Then a double inguinal hernia repaired, and as of XX/XX/XXXX they had to do a revision to my right knee and I have just started recovery from that. She admitted they did get the repayment plan I had sent them, but would not discuss a payment plan until we appear in court. I asked her why after I tried to work out a payment plan did they file the suit. They sued me after I tried to initiate a payment plan. So I asked " why are you refusing set up a planed payment from me, I have not been a problem to you before. I paid you guys and everything went fine? '' She then told me the only way they would discuss a payment plan would be for me to send in copies of paycheck stubs, all bills for the house I lived in, car payments insurance payments. Also the income and names of everyone in the house along with bills they pay and they might consider agreeing to a payment plan. I informed her that I live in Arkansas as you know because you have the computer in front of you with my account information. You can legally get 25 % of my paycheck, but you are only sueing me, it is my debt alone and you have no right to the information such as names and income for anyone else that lives in the same house. In Arkansas since it is my personal debt you can only sue me within limitations set by state law. She informed me i was completely wrong and not to be a XXXX lawyer. If I am not by law going to give the names and income of everyone in the house. She instantly said they would not discuss a payment plan. I told her I knew she was not a lawyer by what she said and misrepresented herself and tried to extort me for information on other people in the house and their private financial data. She then hung up.

Company response to consumer: Closed with explanation