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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute of a fraudulent account that has been reported in my name. I have never authorized or had any involvement with this account, and its continued reporting is causing serious harm to my financial standing.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an a dequate response.

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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an a dequate 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 fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase closed my account based on discrimination. When I called the bank they told me my account was under investigation since XXXX and no one has been informed me about this. I spoke to someone from XXXX his name is XXXX who said he is a supervisor. The person who transferred me to him said my account under investigation and it closed without my permission. I would like to get the recorded call pulled and to be investigated by CFPB. It is discrimination based on my country of birth and I think due to political issue which Chase didnt like. It is illegal to close account based on discrimination. I spoke to XXXX who is very unprofessional who said to file another complaint. Thank you please get the call pulled out. 

They also hurt my credit score and they should report to credit bureau that my account closed based on discrimination policy by chase bank. I think President of US filed executive order against Chase due to their action who discriminate people.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 2025-08-14 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 recently reviewed my credit report and found several accounts that are inaccurate and do not belong to me. Under 15 U.S. Code 1681e ( b ) Accuracy of report, consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information, if any information is found to be inaccurate, incomplete, or can not be verified, it must be promptly deleted from my file.

Please remove the following accounts from my credit report immediately : Negative Accounts : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00} Past Due : {$700.00} Status : XXXX XXXX XXXX XXXX late payments ( 30 & 60 days late in XXXX ) XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Past Due : {$1200.00} Status : Closed Charged Off 32 months derogatory history Last Payment : XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$170.00} Past Due : {$170.00} Status : Collection Opened XX/XX/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 2025-08-14 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: TX

Complaint narrative:
I am contacting you to dispute the late payment entry recorded on my account. This entry is factually wrong and contradicts my consistent record of timely payments. Such misreporting is unjustly harming my credit rating.

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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
The initial issue is that Synchrony Bank has committed blatant fraud. At first they lied and " verified ' information with my initial XXXX dispute. Beforehand, I received information from Synchrony Bank themselves stating that they do not have original documentation and could not provide me with original documentation as they do not have it. Thus, Synchrony Bank is trying to verify information that they themselves have admitted they can't in writing, which is blatant fraud. Now along with my previous issue of fraud, an additional issue is that the response Synchrony has provided is absurd, missing any explanation, as well as crucial data to support their response. Once again, Synchrony " verifies '' history it has said itself it does not have with ambiguity. Furthermore, their data that I was supposed to be given as a consumer for their " verified '' report does not open. Synchrony Bank has now displayed fraud, deception, and now willful non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This has been a ongoing issue related to Transunion maintaining correct Consumer records i am now greatly concerned that they are assisting in creating situations that may allowing identity theft on or about XXXX XXXX XXXX i received a notice from my credit monitoring service that a new address had been listed in my credit report. an address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Transunion list the address as the Current address of the Consumer but the date listed and posted XX/XX/XXXX is pure fraudulent on the part TransUnion. Consumer called and spoke to a TransUnion agent on XX/XX/XXXX and they stated they would remove the entry form the report they listed this on TRANSUNION REPORT NUMBER FILE NUMBER XXXX XX/XX/XXXX on Transunion report Created XX/XX/XXXX file number XXXX the primary address was XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX the consumer has lived at said address since XX/XX/XXXX and has never lived in XXXX XXXX lest alone currently living there TransUnion was contacted by phone by the consumer and after the conversation was complete the CSR assured me the address would be removed to date it has not this is erroneous and a intentional act by TransUnion this is importation as the incorrect address may lead to identity theft and a creditor may question why the consumer is listing XXXX  address but the TransUnion report state a XXXX Address

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
am a co-signer on an auto loan with Toyota MTR. The vehicle was repossessed, but I was never provided with any legally required notices as a co-signer, including a Notice of Default, Notice of Repossession, or Notice of Sale. I was not informed of the date the vehicle was sold or how the sale proceeds were applied to the loan balance. 
Despite the repossession, the lender continues to report new late payments each month, which is inaccurate and misleading because the account was already in default and the vehicle was no longer in my possession. The current reported balance of approximately {$7000.00} appears to include unexplained fees and charges, and I have never been provided with an itemized statement to validate the debt. Lenders are required to accurately report and its not and is a violation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This notice is to dispute a late payment inaccurately listed on my credit report. The account in question has never been late, and I have maintained a flawless payment record. The presence of this incorrect information is both misleading and harmful.

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: 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:
I AM A VICTIM OF IDENTITY THIEFT AND THESES ACCOUNTS ARE ALL FRAUDULENT AND NEVER AUTHORIZED BY ME THESE ACCOUNTS NEED TO BE PERMANENTLY DELETED FROM MY CONSUMER REPORT IMMEDIATELY ... XXXX  XXXX {$1200.00}

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THIEFT AND THESES ACCOUNTS ARE ALL FRAUDULENT AND NEVER AUTHORIZED BY ME THESE ACCOUNTS NEED TO BE PERMANENTLY DELETED FROM MY CONSUMER REPORT IMMEDIATELY ... XXXX  XXXX {$1200.00}

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 2025-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I was scammed on cashapp for XXXX $ I tried to request it back because its a scam and I have proof

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: Experian Information Solutions Inc.
State: NC

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the late payment recently reported on my account, as it is both inaccurate and unsupported by my documented payment history. I have maintained a consistent record of making payments on time, and there is no legitimate basis for reporting otherwise.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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: EQUIFAX, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the reported balance for my XXXX XXXX XXXX  credit card ending in XXXX. My XX/XX/year> payment history shows the account was paid in full on XX/XX/year>, bringing my balance to {$0.00} with full available credit of {$500.00}. However, my credit reports ( TransUnion, Experian, and Equifax ) continue to show a balance of {$400.00} as of XX/XX/year>. 

This is inaccurate and negatively impacts my credit utilization ratio. Under the Fair Credit Reporting Act ( FCRA ), furnishers must provide accurate and updated information to credit reporting agencies. I am requesting immediate correction to reflect the {$0.00} balance. 

I have attached payment confirmations, account screenshots, and a copy of the current credit report showing the incorrect balance.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon careful review of my credit report, I have identified a hard inquiry that I did not authorize. I have not conducted any financial transactions or credit applications that would justify this entry.

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