vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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 filing this complaint because, upon reviewing my credit reports from Experian, Equifax, and TransUnion, I discovered a series of widespread inaccuracies, conflicts, and unverifiable information that misrepresent my creditworthiness and violate federal law ; each bureau reports addresses I have never lived at 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  FL XXXX creating a false identity narrative, while multiple accounts such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXith inconsistent balances and conflicting Dates of Last Activity, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  appear on my reports with unverified balances, mismatched dates, and unclear ownership, in violation of FCRA 605 ( a ), 611, 623 ( a ) ( 2 ), 623 ( a ) ( 5 ) and FDCPA 807, 808, 809, leaving me unable to confirm whether these debts are accurate, legally enforceable, or properly reported ; further, unauthorized or unverifiable inquiries including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX evidence of permissible purpose, XXXX FCRA XXXX ( a ), XXXX ( a ), XXXX XXXX and creating additional harm to my credit profile, making it impossible to rely on these reports for credit, housing, employment, or financial decisions, and despite previous disputes with the bureaus and furnishers, these errors persist, demonstrating a failure to investigate, verify, and correct inaccurate or outdated information as required by federal law, which continues to impact my financial stability, reputation, and rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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 filing this complaint because, upon reviewing my credit reports from Experian, Equifax, and TransUnion, I discovered a series of widespread inaccuracies, conflicts, and unverifiable information that misrepresent my creditworthiness and violate federal law ; each bureau reports addresses I have never lived at 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  FL XXXX creating a false identity narrative, while multiple accounts such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXith inconsistent balances and conflicting Dates of Last Activity, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  appear on my reports with unverified balances, mismatched dates, and unclear ownership, in violation of FCRA 605 ( a ), 611, 623 ( a ) ( 2 ), 623 ( a ) ( 5 ) and FDCPA 807, 808, 809, leaving me unable to confirm whether these debts are accurate, legally enforceable, or properly reported ; further, unauthorized or unverifiable inquiries including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX evidence of permissible purpose, XXXX FCRA XXXX ( a ), XXXX ( a ), XXXX XXXX and creating additional harm to my credit profile, making it impossible to rely on these reports for credit, housing, employment, or financial decisions, and despite previous disputes with the bureaus and furnishers, these errors persist, demonstrating a failure to investigate, verify, and correct inaccurate or outdated information as required by federal law, which continues to impact my financial stability, reputation, and rights as a consumer.

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 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of human trafficking this is my second attempt of notifying the credit bureau.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/year>, I had a co-worker sign their check over to me for deposit into my account. On XX/XX/XXXX, I could not sign into my online account. I contacted customer service and I was told my account was closed, I asked why the account was closed and they said the check that was signed over to me was fraudulent. The check never cleared, no funded were credited to my account, lastly, the check was not fraudulent. I went to my local bank brand and talked to the rep, I explained the check was not fraudulent and I have about {$600.00} in my account and I need to pay my rent. I was told account was already closed and a cashiers check was mailed to my address. 

Over a week later, I still have not received the money from my account, I called in to customer service and the first agent I spoke to told me my account was closed by accident and I was being issued a new debit card and I have access to my account again, well after trying to log back into my online banking account, I was unable to access it. So, once again, I call back into support. This time, the agent tells me the previous agent was wrong and the account was indeed closed. I asked the agent why the previous agent told me the opposite and she apologized for the mistake and told me I would not be receiving the funds in my account until XXXX XXXX XXXX, over a month after my account was erroneously closed and I do not have access to the funds in my account to pay rent and now this has caused financial hardship for me and I have incurred late fees for not having access to my money in my account.

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 2025-11-21 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: Self Financial Inc.
State: MS

Complaint narrative:
This complaint concerns the reporting of fraudulent and unauthorized accounts that do not belong to me. I have notified the credit bureaus and the furnishers that these accounts are not mine and were opened without my knowledge or permission. Despite this, the inaccurate information continues to be reported. 
Under the Fair Credit Reporting Act ( FCRA ) 602, 604, 605, 607 ( b ), and 611, consumer reporting agencies and furnishers are required to report only accurate, verifiable information and must conduct a reasonable investigation when a dispute is filed. These accounts can not be verified as belonging to me because they are fraudulent. 
Additionally, XXXX XXXX reporting guidelines require furnishers to report data with maximum accuracy and to remove or correct unverifiable or fraudulent information immediately. Continued reporting of accounts that can not be authenticated is a violation of both FCRA accuracy requirements and XXXX XXXX compliance standards. 
I am requesting CFPB enforcement to ensure these fraudulent accounts are fully investigated and permanently deleted from my credit reports. I also request confirmation that all furnishers and bureaus have corrected my file and removed every unauthorized account associated with identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MS

Complaint narrative:
This complaint concerns the reporting of fraudulent and unauthorized accounts that do not belong to me. I have notified the credit bureaus and the furnishers that these accounts are not mine and were opened without my knowledge or permission. Despite this, the inaccurate information continues to be reported.

Under the Fair Credit Reporting Act ( FCRA ) 602, 604, 605, 607 ( b ), and 611, consumer reporting agencies and furnishers are required to report only accurate, verifiable information and must conduct a reasonable investigation when a dispute is filed. These accounts can not be verified as belonging to me because they are fraudulent.

Additionally, Metro 2 reporting guidelines require furnishers to report data with maximum accuracy and to remove or correct unverifiable or fraudulent information immediately. Continued reporting of accounts that can not be authenticated is a violation of both FCRA accuracy requirements and Metro 2 compliance standards.

I am requesting CFPB enforcement to ensure these fraudulent accounts are fully investigated and permanently deleted from my credit reports. I also request confirmation that all furnishers and bureaus have corrected my file and removed every unauthorized account associated with identity theft.

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 2025-11-21 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: CA

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that fail to meet the highest standards of accuracy. These errors are severely impacting me in profound and ongoing ways.

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 2025-11-20 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: IL

Complaint narrative:
XXXX XXXX XXXX established XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft. 
Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I paid CareCredit {$1000.00} dollars on XX/XX/year> and another {$1100.00} on XX/XX/year>. Both of these payments show up as posted on my carecredit account and both amounts have been taken from my bank. However, Synchrony has still withheld the {$1100.00} second payment from my available balance thus making me have to use a higher interest rate card to pay an emergency vet bill. I called the company to try and understand why I was unable to use the balance I had paid and was reported as posted and they repeatedly told me that they were holding the amount until they could clear the second payment for fraud. I have never had this experience before with any creditor. If they needed to hold the amount for several days while they checked for fraud, why then would they take the balance from my account and mark the payment as posted? I asked for proof of this policy in written form and was denied by an associate and their manager who both insisted I read the terms and conditions of the card. This is written in fine print and I expect they do it so customers are unaware. However, this practice seems far from legal and if it is in fact legal to not let a person use a line of credit they have paid for, it is incredibly duplicitous to hide that fact so far down in the terms and conditions.

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 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
We were unable to file an FTC Identity Theft Report due to the government shutdown. In place of that, please proceed by submitting disputes with all inaccurate information ( wrong names, wrong addresses, wrong accounts ) in accordance with the Fair Credit Reporting Act ( FCRA ). It is essential that this is completed in a timely manner, as the law requires credit reporting agencies and furnishers to investigate disputes promptly. I will provide further guidance and examples to ensure everything is done correctly. Relevant FCRA Laws to Comply With 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy Credit reporting agencies must investigate disputed information within 30 days of receiving notice. 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information Companies that provide information to credit bureaus must ensure accuracy and must investigate disputes forwarded to them. 15 U.S.C. 1681c-2 Blocking Information Resulting From Identity Theft Consumers have the right to request that fraudulent information resulting from identity theft be blocked from their credit report. 15 U.S.C. 1681j Free Disclosures in Case of Identity Theft Victims of identity theft are entitled to a free copy of their credit report and related documents. 15 U.S.C. 1681c Requirements Relating to Information Contained in Consumer Reports Outlines limits on what information can appear in credit reports, including restrictions on outdated or unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am submitting this complaint regarding two unauthorized and fraudulent accounts opened in my name by Jefferson Capital Systems : Account # XXXX Account # XXXX These accounts were opened after my personal information was stolen from my vehicle on XX/XX/XXXX. A police report was filed at the time of the incident documenting the theft. I am only now discovering these accounts on my credit report, which I did not authorize or recognize. I do not have any contractual agreement with Jefferson Capital Systems or the original creditors associated with these accounts. 

Actions Taken : On XX/XX/XXXX, I sent a dispute letter to Jefferson Capital Systems including a copy of my police report, requesting immediate removal of these fraudulent accounts and a cease and desist regarding reporting to credit agencies. 

To date, I have not received a response from Jefferson Capital Systems. 

I have also filed a report with the Federal Trade Commission ( FTC ) documenting this identity theft. 

Legal Basis : Federal Law Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 & 1681i ( a ) : Consumers may dispute fraudulent accounts and request the blocking/removal of information resulting from identity theft. Credit reporting agencies must investigate and correct inaccuracies.

Federal Law Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Debt collectors may not attempt to collect debts that are fraudulent, unauthorized, or not owed by the consumer.

South Carolina Law S.C. Code Ann. 37-1-201 et seq. : Prohibits unauthorized access to consumer credit information and protects consumers from deceptive or unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CT

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The company has listed late payments. These payments should be deferred and paired of due to me receiving social security. Please update

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 2025-11-21 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: IL

Complaint narrative:
XXXX XXXX XXXX established XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft. 
Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately.

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 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am submitting this complaint against National Credit Systems ( NCS ) for reporting and attempting to collect a debt that is factually invalid and has caused significant financial harm. 

XXXX. The debt is invalid The alleged balance of {$600.00} is legally and factually invalid. My former landlord already retained my security deposit and then issued a claim for {$600.00} while omitting my verified final rent payment of {$1200.00}. Therefore, the landlord actually owes me money, not the other way around. Additionally, the landlord issued this claim more than 60 days after I moved out, violating Florida Statute 83.49 ( 3 ) ( a ), which requires claims to be sent within 30 days. 

The landlords office can be contacted for verification : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Email : XXXX Website : XXXX XXXX. My attempts to resolve the dispute I have made multiple documented attempts to resolve this matter : Submitted a dispute via NCSs online portal in XX/XX/year>, including all supporting documentation. 

Called NCS twice to escalate the dispute. 

Re-uploaded all documentation during a phone call on XX/XX/year> and again through their portal. 


National Credit Systems can be contacted at : National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX XXXXA XXXX Phone : ( XXXX ) XXXX | ( XXXX ) XXXX XXXX Credit bureau XXXX and ongoing credit harm I contacted all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX  to dispute this debt. The bureaus removed the invalid account from my reports, yet my credit score remains at XXXX, down from XXXX before NCSs reporting. Because of this ongoing credit damage, I am likely to face : Higher borrowing costs on loans and credit cards Increased insurance premiums Difficulty securing new rental housing Potential loss of future job opportunities, as some employers have already moved forward with other candidates, which might have been influenced by my credit history 4. Harm already suffered While I do not have confirmation that my credit score was the reason, I have documentation showing that at least two potential employers moved forward with other candidates after reviewing my applications. Given the timing and my credit-score decline, it is reasonable to infer that the negative credit reporting contributed to these decisions.

5. Legal basis for complaint FCRA ( 15 U.S.C. 1681s-2 ( a ) ) : NCS must report only accurate and verifiable information. Continuing to report an invalid debt violates this law.

FDCPA ( 15 U.S.C. 1692g ( b ) ) : Once a debt is disputed, collectors must provide proper validation before continuing collection attempts. NCS has failed to do so.

Florida Statute 83.49 ( 3 ) ( a ) : The landlords claim is legally unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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