vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
On XX/XX/scrub> 2025, I purchased a XXXX XXXX from XXXX and financed through XX/XX/XXXXaccount number XXXX. 
On XX/XX/year>2025, a repossession truck came to my mother 's house. I was confused because I knew I had just paid the car loan, but the guy said he was there to repossess the vehicle for a {$230.00} payment that was eleven days past due. I called the company and was told they tried reaching me but the numbers they provided were not mine. They did not try to reach out to the many references provided to leave a message. In fact, I was told that they wouldn't contact the references. I was told since the truck was there, I had to let him repossess the vehicle.

Despite my offer to immediately rectify the delinquency and cover repossession fees, XXXX insisted on proceeding with the repossession and reversing the loan. I was told that the loan would be reversed as if it never occurred and I would receive my deposit back, but I am still being contacted to make payments on a " reversed '' loan, the payments are constantly accruing, I am up to owing $ XXXX now and the loan is showing delinquent on my credit profile and I never received my refund. 
XX/XX/XXXX is guilty of unjust enrichment, unfair and deceptive trade practices, unlawful repossession and predatory lending, among other violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$14000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$9200.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$520.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-13 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$14000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$9200.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$520.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
ON XX/XX/XXXX COMPLAINT FILED ABOUT CARE CREDIT CARD SHOWING ME AS AUTHORIZED USER ON MY ACCOUNT .I WAS TAKEN OFF AS AUTHORIZED USER BY CARDHOLDER AND IT SHOULD NOT BE DISPLAYING ON CREDIT REPORTS.I WROTE A LETTER TO OFFICE OF XXXX CARE CRTEDIT I WAS ASSURED ISSUE WAS RESOLVED AND WAS REMOVED, I ALSO AT THE TIME DISPUTED WITH CREDIT BUREAUS.NOW I SEE THAT IT IS DISPLAYING AGAIN ON MY EQUIFAX PROFILE THIS IS SO WRONG. DEMAND IS MADE CARE CREDIT REMOVE AS AP THIS IS A VIOLATION OF 93A

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
ONB has charged a paper statement fee to my account for the last two months, despite the fact that I have paperless statements turned on. This has also happened to my husband, so this seems to be a systemic issue.

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 monetary relief
Consumer complaint received 2025-05-13 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: AR

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$920.00} XXXX XXXX - XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$4100.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX XXXX - XXXX * * * * * XXXX - XX/XX/XXXX - {$4100.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-05-13 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: KY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-13 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: MS

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-13 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I complain about Citibank. I opened a checking account and a savings account in Citibank on XX/XX/XXXX. My husband and I transferred a total of {$110000.00} to my Citibank through other banks, and I deposited {$600.00} in cash on the opening day. Now, my account was forcibly closed by Citibank on XX/XX/XXXX, but my money was delayed. I strongly urge citibank to return my money to me as soon as possible. My husband and I planned to buy a house before transferring the money to Citibank, but their bank has closed my account now and refused to return my money to me. I am very angry about this. Now that we have looked at the house, we are ready to pay the deposit and need the money urgently. Please return my money before the end of 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 2025-05-13 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: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX Balance : {$1800.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance : {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$630.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$280.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXXXXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Date 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 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
These accounts do not belong to me. Please remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had Experian 's basic monthly plan which I was not aware I signed up for or that I was being charged.

I cancelled the plan and immediately received a notice that my credit rating was dropped by 25 points.

Nothing had changed financially - theyre penalizing me for dropping the subscription!

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 2025-05-13 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company 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 2025-05-13 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$610.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2100.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$360.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$180.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Balance : {$180.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX and i am writing this complaint because there are several unauthorized accounts on my credit report. This accounts were created without my signature and i ask to have them investigated, deleted and removed. I have contacted all 3 credit agencies, TRANSUNION, EXPERIAN AND EQUIFAX and they refuse to support me. IN result to these negatives my score has been affected and hindered and i am unable to purchase a home for my family and my twin daughters. I am suffering due to tis please help. I have listed the accounts below. 


XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00} XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}

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 non-monetary relief
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX and i am writing this complaint because there are several unauthorized accounts on my credit report. This accounts were created without my signature and i ask to have them investigated, deleted and removed. I have contacted all 3 credit agencies, TRANSUNION, EXPERIAN AND EQUIFAX and they refuse to support me. IN result to these negatives my score has been affected and hindered and i am unable to purchase a home for my family and my twin daughters. I am suffering due to tis please help. I have listed the accounts below. 


XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00} XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a formal complaint regarding an inaccurately reported late payment from XXXX XXXX XXXXXXXX XXXX dated XX/XX/XXXX that appears on my credit report. This late payment is being reported in error. I was not late on my payment during that period, and the reporting is factually incorrect. 
I have disputed this error multiple times directly with XXXX XXXX XXXX XXXX My most recent dispute was submitted on XX/XX/XXXX. Despite my efforts and documentation, the inaccurate late payment remains on my credit report, and the bank has failed to remove or correct the error.

This false report is negatively affecting my credit standing and has caused undue stress and hardship. As a consumer, I have the right to fair and accurate reporting under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires that furnishers of information report only accurate data to credit reporting agencies. 
FCRA 1681s-2 ( a ) ( 2 ) also mandates that if any data is found to be inaccurate or incomplete, it must be promptly corrected or deleted. 
By continuing to report this incorrect late payment, XXXX XXXX XXXX XXXX  is in violation of these federal requirements. I am requesting that the CFPB take immediate action to ensure this account is corrected and the inaccurate late payment from XX/XX/XXXX is removed from all consumer reporting agencies. 
Thank you for your assistance in holding data furnishers accountable and protecting consumer rights.

Company response to consumer: Closed with non-monetary relief