vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I am currently reviewing my Experian Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of addresses that I would like to have permanently deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX, CA 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My XXXX XXXX was XXXX prior to XXXX. I lost my job. My husband lost his job. We made arrangements with each and every company that we had a credit card with to set up payments and all except for one refused. My mortgage company was the only XXXX that gave us forbearance And set up an arrangement. My credit card companies did not help us XXXX bit with any payment arrangement whatsoever. We obviously fell behind when I called in. They refused to remove anything and I have been making payments and settlements ever since but they refuse to report it that way

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 2025-06-02 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: VW Credit
State: MO

Complaint narrative:
The company has continuously told me the credito wont talk to me because they sold the contract to them. So they wont give me the name nor contact info

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MD

Complaint narrative:
I reviewed my credit report and noticed an account I never authorized as well as inquiries I never authorized. The account is XXXX XXXXXXXX appears on my report that I never opened. Also Transunion has inquiries that I never authorized XXXX. XXXX & XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX. The inquiries on experian I never authorized XXXXXXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX. 
The Inquiries on equifax I didn't authorize XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Mon XXXX XXXX XXXX. XXXX XX/XX/XXXX 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 2025-06-02 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: MD

Complaint narrative:
I reviewed my credit report and noticed an account I never authorized as well as inquiries I never authorized. The account is XXXX XXXXXXXX appears on my report that I never opened. Also Transunion has inquiries that I never authorized XXXX. XXXX & XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX. The inquiries on experian I never authorized XXXXXXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX. 
The Inquiries on equifax I didn't authorize XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Mon XXXX XXXX XXXX. XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit report.

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 2025-06-02 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX XXXXXXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXXXXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX and the XXXX major credit reporting agenciesXXXX, Experian, and XXXXfor reporting inaccurate, inconsistent, and misleading information on my credit reports. Despite my previous efforts to resolve this matter directly with the credit bureaus, the inaccurate reporting persists. 

The account in question is : Creditor Name : XXXX XXXX ( XXXX ) Partial Account Number : XXXX XXXX XXXX XXXX XXXX Account Type : Credit Card Status : Charged Off / Collection Specific Issues : Inconsistent " Date Opened '' TransUnion reports XX/XX/XXXX Experian and XXXX  report XX/XX/XXXX This inconsistency creates confusion in determining account age. 

Incorrect " High Credit '' Amount XXXX  reports {$24000.00} TransUnion and Experian report {$26000.00} This difference misrepresents the account 's historical usage and risk profile. 

XXXX XXXX XXXX XXXX  reports " OK '' payments throughout XXXX. 

XXXX  and Experian show consistent " CO '' ( XXXX ) status for those months. 
XXXX  's reporting is factually inaccurate and gives a false impression of positive payment behavior during a delinquent period. 

Inconsistent " Last Activity '' Dates XXXX  : XX/XX/XXXX Experian : XX/XX/XXXX XXXX  : XX/XX/XXXX This inconsistency distorts the timeline of delinquency and collections. 

Dispute Language Conflicts XXXX  continues to flag the account as " Consumer disputes after resolution, '' This is misleading and in violation of FCRA and Metro 2 guidelines once a dispute is resolved.

Credit Limit Reporting All three bureaus show a {$0.00} credit limit, which may not be accurate and misrepresents the account 's original terms.

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 2025-06-02 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: NJ

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX and the three major credit reporting agenciesXXXX XXXX, and Equifaxfor reporting inaccurate, inconsistent, and misleading information on my credit reports. Despite my previous efforts to resolve this matter directly with the credit bureaus, the inaccurate reporting persists. 

The account in question is : Creditor Name : XXXX XXXX ( XXXX ) Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Credit Card Status : Charged Off / Collection Specific Issues : Inconsistent " Date Opened '' XXXX reports XX/XX/XXXX XXXX  and Equifax report XX/XX/XXXX This inconsistency creates confusion in determining account age. 

Incorrect " High Credit '' Amount Equifax reports {$24000.00} TransUnion and Experian report {$26000.00} This difference misrepresents the account 's historical usage and risk profile. 

Payment History Discrepancy Equifax reports " OK '' payments throughout XXXX. 

XXXX  and XXXX  show consistent " CO '' ( XXXX ) status for those months. 
Equifax 's reporting is factually inaccurate and gives a false impression of positive payment behavior during a delinquent period. 

Inconsistent " Last Activity '' Dates XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX Equifax : XX/XX/XXXX This inconsistency distorts the timeline of delinquency and collections. 

Dispute Language Conflicts Equifax continues to flag the account as " Consumer disputes after resolution, '' This is misleading and in violation of FCRA and Metro 2 guidelines once a dispute is resolved.

Credit Limit Reporting All three bureaus show a {$0.00} credit limit, which may not be accurate and misrepresents the account 's original terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
This complaint is to formally inform you that I am initiating legal proceedings against your agency due to your violations of the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCRAA ). Enclosed with this letter is a filed copy of my legal Complaint, which requires your prompt attention and response. 

Despite multiple notifications and requests for a thorough reinvestigation in accordance with 15 U.S.C. 1681i and California Civil Code 1785.16, your agency has failed to comply. You have continued to report unverified and inaccurate data, which has negatively affected my credit standing. 

Accordingly, I demand that you : 1. Immediately delete the fraudulent accounts listed above from my credit report ; 2. Provide a detailed report of your reinvestigation efforts, including all original documentation that you relied on to verify the debts ; 3. Cease all future reporting of any information that you can not confirm with complete accuracy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I bought a XXXX  XXXX XXXX hybrid sport blue in XXXX XX/XX/year>. XX/XX/XXXX my car was involved in a wreck I was hit from the rear and the car was deemed totaled because I was hit so hard it bent the frame of the car the was handled by the insurance company and my gap insurance my note was current at the time of the accident and at the end of the last day of the month before the car was given to the insurance company. They are reporting that I owe money for the car but it was totally paid off from the insurance company and I had an attorney who handled the lawsuit against the driver who hit me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I bought a XXXX XXXX XXXX hybrid sport blue in XXXX XX/XX/year>. XX/XX/XXXX my car was involved in a wreck I was hit from the rear and the car was deemed totaled because I was hit so hard it bent the frame of the car the was handled by the insurance company and my gap insurance my note was current at the time of the accident and at the end of the last day of the month before the car was given to the insurance company. They are reporting that I owe money for the car but it was totally paid off from the insurance company and I had an attorney who handled the lawsuit against the driver who hit me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I bought a XXXX  XXXX XXXX hybrid sport blue in XXXX XX/XX/year>. XX/XX/XXXX my car was involved in a wreck I was hit from the rear and the car was deemed totaled because I was hit so hard it bent the frame of the car the was handled by the insurance company and my gap insurance my note was current at the time of the accident and at the end of the last day of the month before the car was given to the insurance company. They are reporting that I owe money for the car but it was totally paid off from the insurance company and I had an attorney who handled the lawsuit against the driver who hit me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Great American Finance Co
State: GA

Complaint narrative:
This is a formal dispute under FCRA Section 611 ( 15 U.S. Code 1681i ). Please investigate this item. If you can not verify it with original documentation from the data furnisher, it must be deleted within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On or before XX/XX/2025, I submitted a formal dispute to Experian regarding inaccurate charge-off information appearing on my credit reportspecifically related to the account with XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX * * * * ). I asserted that this information was reported without a valid permissible purpose under 15 U.S.C. 1681b, and that the reporting party failed to meet the disclosure requirements under 15 U.S.C. 1632 of the Truth in Lending Act, making any claimed consent invalid.

Furthermore, this account involves unauthorized use of my personal information, raising concerns of potential identity theft, as outlined in 18 U.S.C. 1028A, and implicating privacy violations under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 and 6802. Experian has continued to report this derogatory item despite the lack of any clear opt-out, valid agreement, or permissible basis for sharing and maintaining my consumer data. 

Given that I did not authorize this account, and it was reported and maintained without meeting the requirements of the Fair Credit Reporting Act, I have demanded its full deletion. Experians failure to verify this item with proper documentation and their ongoing reporting of this disputed charge-off amounts to continued noncompliance with FCRA 1681i, 1681e ( b ), and 1681s-2. 

I am pursuing full deletion of this item and holding the parties accountable for violations of federal law and misuse of my consumer profile.

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 2025-06-02 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: DISCOVER BANK
State: LA

Complaint narrative:
On my credit report it says my balance with Discover as been charged off and written off but I have not received a 1099-C from them.

Company response to consumer: Closed with explanation