vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: AZ

Complaint narrative:
Ive been disputing these same accounts with Equifax for months, and every single time, I get the same lazy, automated verified response with no documentation. Not a single signed contract, payment ledger, or charge-off notice has ever been provided. 
At this point, this isnt a reinvestigation its negligence and willful non-compliance. 
Equifax has already been sued and fined by the CFPB and FTC multiple times from the XXXX data breach exposing XXXX XXXX consumers to the XXXX enforcement actions for mishandling disputes. Yet, years later, youre still violating federal law every single day. 
These are the remaining inaccurate, unverifiable accounts you continue to report : XXXX XXXX XXXX XXXX Late Payments Still showing XXXX and XXXX late codes while also marked current. 
This violates XXXX XXXX XXXX, because the status and compliance code dont align. 
No payment histories, bank records, or proof of delinquency ever produced. 
Until you show the actual statements, this is hearsay and must be deleted. 
XXXX XXXX Charge-Off ( {$0.00} Balance ) Listed as a charge-off even though the balance is {$0.00} a XXXX XXXX XXXX violation XXXX 
A zero-balance account can not be coded as a charge-off. 
Equifax and the furnisher have ignored every request for documentation. 
XXXX XXXX Charge-Off ( {$0.00} Balance ) Same pattern {$0.00} balance, reported as a loss. 
No charge-off letter, no accounting, and no validation of any kind. 
Equifaxs refusal to correct it violates FCRA 607 ( b ) ( maximum possible accuracy ). 
XXXX XXXX XXXX XXXX ( {$5700.00} ) No contract, no payment ledger, and no deficiency notice ever provided. 
Reported inconsistently across bureaus marked open on XXXX, closed on another. 
This violates FCRA 611 ( a ) and XXXX XXXX XXXX, as well as FDCPA 807 ( 8 ) for misrepresenting account status. 
Equifax has a well-documented history of data breaches, mishandled reinvestigations, and consumer-privacy failures. The CFPB has repeatedly cited Equifax for ignoring consumer disputes and providing false verification responses. You make billions of dollars a year selling consumer data, yet you cant follow the most basic accuracy standards required by federal law. 
Enough is enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Auto repossessed my vehicle ( XXXX XXXX XXXX, VIN XXXX, acct ending [ XXXX ] ) on XX/XX/XXXX. Ally issued a written settlement offer dated XX/XX/XXXX with an expiration date of XX/XX/XXXX. The repossession occurred while that written settlement was still valid and active. 
I contacted Ally through their encrypted secure portal. Executive Customer Relations acknowledged receipt on XX/XX/XXXX ( File XXXX ). On XX/XX/XXXX, I submitted a written request for validation through the same encrypted portal ( the portal does not display outbound messages on user side, but I sent the message in the same system where the acknowledgment was received ). Ally has not provided any of the required post-repossession notices, sale notice, or a complete itemized ledger/accounting of payments and fees. 
On XX/XX/XXXX, Ally attempted to call me by phone, but I required that all communication remain in writing for legal record purposes. I sent a written demand on XX/XX/XXXX requesting written validation before any disposition and stated that I will not handle this matter verbally. 
I am requesting CFPB assistance to require Ally to provide all legally required post-repossession documents in writing, halt any sale/disposition absent proper notice, and produce the accounting/ledger and documentation of legal authority to repossess while a valid written settlement was still active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint because Amsher Collection Services is reporting a collection account on my credit report that I did not open and have no knowledge of. The alleged debt was originally listed as XXXX XXXX, but I have never had any account, service, or contract with that company. 

This account appears to be the result of fraud or identity theft, and I have previously disputed it with the credit bureaus, but it remains on my report. Amsher Collection Services has failed to provide any documentation, contract, or proof of responsibility showing that this account belongs to me.

Under FCRA 605B, consumers are entitled to have fraudulent information blocked or deleted from their credit reports immediately upon notification of identity theft. Furthermore, under FCRA 611 ( a ), any account that can not be verified after investigation must be deleted. 

I am requesting that the CFPB compel Amsher Collection Services and all credit bureaus ( XXXX XXXX, and XXXX XXXX to immediately delete and suppress this account, as it is fraudulent, unverifiable, and unlawfully damaging my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I was recently informed, while attempting to secure financing, that DataIQ initiated a collection dating back to XX/XX/year>. I have never lived at the address in question, and I am unsure how my information ended up there. Despite my repeated requests for proof or documentation showing that I co-signed on someones behalf, DataIQ declined to provide any information. They also informed me that I must submit a written request, which could take up to XXXX  days to process, and pressured me to make a payment immediately to avoid further escalation and negative impacts on my credit. When I questioned why I should pay for a debt that isnt mine, they continued to threaten credit damage and urged immediate payment.

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

Complaint narrative:
I previously submitted disputes to Equifax, Experian, and TransUnion regarding accounts appearing on my credit reports that do not belong to me. These accounts were opened fraudulently, and I have no connection or authorization to them. I included an Identity Theft Report along with my proof of identity and address in my previous disputes to verify my claim. 

Despite providing all supporting documentation, these accounts are still being reported on my credit files, and the bureaus have failed to remove or correct the inaccurate information within the time allowed under the Fair Credit Reporting Act ( FCRA ). I have made multiple attempts to resolve this directly with the bureaus, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I was sent XXXX things in the mail from the company asking if I accepted the debt or was going to fight it and I sent them information but they didnt know what the debt was from and I asked the original collection from XXXX  XXXX for a bill and they refused to send me an itemized statement to show how they came up with the amount that I owed I have never heard back from company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
So I have disputed transactions since XX/XX/year> to XX/XX/XXXX total of XXXX this is an offshore Bookie site I deposit money and won and now this website does not want to pay me. So I filed a dispute with my bank and they denied me stating that I authorized the payments. But on my statement/ charges it is showing that the transaction are being laundered. The transaction are from XXXX XXXX XXXX, XXXXXX/XX/XXXXand XXXX XXXX this is clearly a crime and not legal at all I just want to get it clear I want no parts of it and plus they basically held my money I told the bank that I have never been in XXXX or XXXX and they where no help the bank I am filing a complaint with is TD bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-10 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:
Due to the ongoing government shutdown, I attempted to submit my identity theft report through the Federal Trade Commission ( FTC ), but the system was down and prevented me from doing so. This has severely delayed my ability to properly report the fraudulent activity on my credit report. As a result, I am submitting this complaint directly and urgently. I am formally demanding the immediate removal of all fraudulent items from my credit file.As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents.Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning, delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Experian. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-10 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
The headline is that Experian has me 100 % locked out of my account -- I can neither access it nor remove the freeze on it and need to reach a human. 

The issue is a database problem on Experian 's side. For some reason it no longer associates my social security number with the phone number that I've had for the last XX/XX/XXXX years. 

As such there is no way to log in, no way to reset the password, and no way to use the automated system to lift the freeze. 

Fixing this requires a person from the identity or fraud division to and work with me to rectify - verify my identify and then make the change. 

I have tried every route available to get to a human - every option on their customer service phone tree - working through their app, the browser, and phone to lift the freeze or reset the password. reaching out via XX/XX/XXXX to their team (! ) - reaching out via XXXX to the XXXX of Products for Fraud and Identity. 

There is simply no way through the normal channels to get to a person. In the mean time I am unable to remove the freeze and apply for an auto loan. 

I'd like someone to reach out to me to solve this problem OR provide a phone number through which I can reach that department and have this resolved. 

It is materially impacting my life not to have access. 

Thank 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Due to the ongoing government shutdown, I attempted to submit my identity theft report through the Federal Trade Commission ( FTC ), but the system was down and prevented me from doing so. This has severely delayed my ability to properly report the fraudulent activity on my credit report. As a result, I am submitting this complaint directly and urgently. I am formally demanding the immediate removal of all fraudulent items from my credit file.As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents.Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning, delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I think that its been an excessive amount of overdraft fees going to my account since the beginning of 2025. I will have things like subscription fees come though for products I don't even use and I have just been really ripped apart on overdraft by this bank when here I am as a broke U.S. citizen being preyed on. 

Most banks don't even charged overdraft fees anymore because it's a predatory thing in itself. I feel like I am suffocating financially.

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