vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: GA

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! 


XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
This is a follow-up complaint regarding XXXX XXXX / Equifax XXXX XXXX XXXX  XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : 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 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to formally dispute several collection accounts that have been fraudulently reported under my name and Social Security number. These accounts were neither authorized by me nor associated with any services I have used. I demand an immediate investigation and removal of these accounts from my credit reports as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable laws protecting consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-11-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint because my credit file contains inaccurate and unverified information that violates the Fair Credit Reporting Act. Despite previous disputes, the furnishers continue reporting data that fails the FCRA accuracy standards under 602 ( A ), 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). These errors have caused credit denial and financial harm. 
XXXX XXXX Account No : XXXXXXXX XXXX  High Balance : {$21000.00} Date Opened : XX/XX/year> Reported as LATE PAYMENT * * This reporting is inaccurate because I have never made a late payment. The furnisher has failed to verify or provide proper documentation. Reporting unverified or incorrect information violates FCRA 623 ( a ) ( 1 ) ( A ), FCRA 611, and FCRA 607 ( b ). I request correction of the payment history to reflect no late payments.

Laws Violated : FCRA 602 ( A ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( b ).

I am requesting CFPB intervention to enforce compliance, remove inaccurate information, and ensure proper correction under the Fair Credit Reporting Act.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Applied for a personal loan online with my bank, ( XXXX ) they say that they sourced information on my XXXX XXXX from Experian. My score on Experian has not changed in months. Current XXXX XXXX is XXXX, on documents from XXXX saying sourced data from Experian they have my XXXX XXXX as XXXX. The XXXX  inquiry was done on the XX/XX/year>, my score was and still is XXXX. XXXX not sure why they are using such a low score to process the loan? 
Spoke with representatives from both entities about this, Experian rep said they should be using current XXXX XXXX pulled from the report and not sure where they obtained that number, if information was sourced from their report. 
XXXX rep said they did not have a specific reason to why the score is lower on their report. My question is if you sourced it from Experian the data should match. 
This misinformation would have me paying more interest on my loan if accepted! 
I have not accepted the loan thus far until better clarification is 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am filing this complaint because Exeter Finance is reporting inaccurate and contradictory information about my auto loan to the credit bureaus, which is significantly harming my credit profile. 

I obtained an auto loan through Exeter Finance in XX/XX/XXXX at a high interest rate. I always planned to refinance to avoid paying excessive interest. In XX/XX/XXXX, I was approved by another lender for a much lower rate. I immediately accepted the offer and began the refinancing process. 

My new lender issued the full payoff check promptly and mailed it to Exeter Finance. During the process, I stayed in contact with representatives from both lenders to confirm when the payment was received and posted. After approximately XXXX weeks, Exeter Finance confirmed that the payoff check had arrived and had been applied to my account. The payment exceeded the payoff amount, meaning Exeter Finance actually owes me a refund for the overpayment. This is reflected in my most recent Statement of Account. 

Despite the loan being paid in full, Exeter Finance began reporting a derogatory remark on my credit report the following month, stating that my account was settled for less than full balance. This is completely false. At no point was the account settled for less than owed. 

Adding to the inaccuracy, the account is contradicting itself on my credit report. Alongside the false remark stating settled for less than full balance, the account is also being reported as : XXXX XXXX XXXX  Account XXXX  XXXX balance These statements directly contradict the claim that the account was settled for less than the full amount. All available information clearly supports that the loan was paid in full, and Exeter Finance still owes me the overpayment refund. 

I have disputed this issue with all XXXX credit bureaus. Only XXXX  has corrected the error so far. XXXX  and XXXX  continue to report the false derogatory remark, which is damaging my XXXX XXXX and adversely affecting the credit offers I receive. This is especially concerning as I am preparing to purchase a home, and this inaccurate reporting is jeopardizing my ability to secure favorable loan terms. 

I respectfully request the CFPBs assistance in ensuring that Exeter Finance corrects all inaccurate and contradictory reporting and updates all credit bureaus to accurately reflect the true status of my loan : paid in full, with a refund due back to me. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: OH

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

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 2025-11-19 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint because my credit file contains inaccurate and unverified information that violates the Fair Credit Reporting Act. Despite previous disputes, the furnishers continue reporting data that fails the FCRA accuracy standards under 602 ( A ), 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). These errors have caused credit denial and financial harm. 
XXXX XXXX Account No : XXXXXXXX XXXX High Balance : {$21000.00} Date Opened : XX/XX/year> Reported as LATE PAYMENT * * This reporting is inaccurate because I have never made a late payment. The furnisher has failed to verify or provide proper documentation. Reporting unverified or incorrect information violates FCRA 623 ( a ) ( 1 ) ( A ), FCRA 611, and FCRA 607 ( b ). I request correction of the payment history to reflect no late payments.

Laws Violated : FCRA 602 ( A ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( b ). 
I am requesting CFPB intervention to enforce compliance, remove inaccurate information, and ensure proper correction under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

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! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AZ

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate reporting of my credit accounts. The following accounts and inquiries are disputed for the reasons specified below. Please review and take corrective actions based on the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Charged Off Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XXXX XXXX mobile deposited a check for XXXX to bmo Harris bank I was told it would be XXXX  days hold past deposit date due to it being a new accoun. I received an email on the XXXX of XXXX stating my account was frozen and XXXX  I contacted them back and or went up to the nearest bank branch to XXXX  is, social security card and proof of residency within XXXX  days of this notice my account would be closed. When I contacted their customer service line it was directed to the fraud department even though it wasn't fraud and I was told by the fraud team that it was just identity verification needed. Don't and they told me I'd XXXX  could not go into a bank I needed to submit it to a specific email address and it would take appropriately XXXX to XXXX business days to complete and unfreeze my account. 
I received a letter in the mail stating my check I deposited was on hold because they didn't believe it would deposit and it was fraudulent. XX/XX/year> ( we have confidential information that indicates the check may not be paid )

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 2025-11-19 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX  v. TransUnion, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : === CHARGE OFF === TU : 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 XXXXXX/XX/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 2025-11-19 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-19 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:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America has recently : - * * Discontinued support for XXXX and XXXX XXXX downloads * *, which were essential for importing transactions into XXXX and XXXX XXXX. 
- * * Removed visibility of Bank of America credit card bills from the Bill Pay interface * *, preventing customers from viewing and paying their own BofA credit card alongside other bills. 
- * * Forced users into XXXX XXXX XXXX+ * *, a proprietary system that requires a paid XXXX subscription and eliminates manual control over financial data.

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