vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am submitting this complaint because my credit reports from Experian, Equifax, and TransUnion contain multiple conflicting and inaccurate entries for both my XXXX XXXX XXXX account ending in XXXX with a balance of {$100000.00} and my XXXX  account ending in XXXX with a balance of {$13000.00}, and my repeated attempts to correct these errors with the bureaus have been unsuccessful. For the USDA account, Experian and TransUnion report the account, but the associated dates and details are inconsistent or unverifiable, leaving me unable to determine which information is correct, in violation of FCRA 1666 ( correction of billing errors ), 1666a ( creditor restrictions during disputes ), CRA 611 ( dispute of inaccurate information ), 623 ( a ) ( 2 ) ( duty to correct and update ), and 623 ( b ) ( furnishers duty to investigate ). For the XXXX account, all three bureaus report the same balance, but the Dates of First Delinquency and other key details related to the repossession appear inconsistent and potentially inaccurate, violating CRA 605 ( c ) ( XXXX controls reporting period ), the requirement that furnishers report the correct DOFD, and FCRA 623 ( a ) ( 1 ) ( A ) ( duty to report accurate information ). These discrepancies have caused confusion, distress, and difficulty managing my financial records, as I can not rely on any of my credit reports to accurately reflect my history, and I am requesting CFPB intervention because the bureaus have failed to correct or verify the information despite my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am submitting this complaint because my credit reports from Experian, Equifax, and TransUnion contain multiple conflicting and inaccurate entries for both my XXXX XXXX XXXX account ending in XXXX with a balance of {$100000.00} and my XXXX  account ending in XXXX with a balance of {$13000.00}, and my repeated attempts to correct these errors with the bureaus have been unsuccessful. For the USDA account, Experian and TransUnion report the account, but the associated dates and details are inconsistent or unverifiable, leaving me unable to determine which information is correct, in violation of FCRA 1666 ( correction of billing errors ), 1666a ( creditor restrictions during disputes ), CRA 611 ( dispute of inaccurate information ), 623 ( a ) ( 2 ) ( duty to correct and update ), and 623 ( b ) ( furnishers duty to investigate ). For the XXXX account, all three bureaus report the same balance, but the Dates of First Delinquency and other key details related to the repossession appear inconsistent and potentially inaccurate, violating CRA 605 ( c ) ( XXXX controls reporting period ), the requirement that furnishers report the correct DOFD, and FCRA 623 ( a ) ( 1 ) ( A ) ( duty to report accurate information ). These discrepancies have caused confusion, distress, and difficulty managing my financial records, as I can not rely on any of my credit reports to accurately reflect my history, and I am requesting CFPB intervention because the bureaus have failed to correct or verify the information despite my disputes.

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 2025-11-17 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: NC

Complaint narrative:
Product : Auto Loan Issue : Improper/incorrect credit reporting, failure to accommodate safety recall Problem : XXXX XXXX XXXX is reporting XXXX late payments on my auto loan during a period when my brand-new XXXX XXXX XXXX XXXX was under an active and dangerous XXXX XXXX XXXX ( XXXX XXXX XXXX / Interim Notice XXXX / XXXX ) XXXX 

The vehicle became unsafe and legally unfit to operate DAYS after purchase, due to a brake-system defect that XXXX stated XXXX cause loss of braking performance, brake-fluid leakage, and increased risk of crash. 

XXXX official recall notice instructed me : not XXXX XXXX the vehicle, avoid off-road use, seek immediate dealer intervention if symptoms occur, and that no remedy was available for more than XXXX months. 

XXXX could not provide parts or repairs for over half a year. This created complete loss of use of the vehicle. 

Because I could not legally or safely use the truck I purchased, I was forced to : borrow money from family to purchase a second vehicle, maintain insurance on both vehicles, pay additional transportation expenses, and experience significant hardship. 

Despite this manufacturer-caused, documented, and unavoidable loss of use, XXXX still XXXX my account as XX/XX/XXXX days late, which is factually inaccurate and causes severe harm to my credit. 

Under the Fair Credit Reporting Act ( FCRA XXXX ), furnishers must report information accurately and can not report delinquency when the consumer was prevented from using the product due to a documented manufacturer defect and safety recall. 

XXXX issued multiple written notices confirming : the severity of the defect, lack of remedy, safety risk, and that the vehicle should not be driven. 

I also contacted XXXX XXXX and received written documentation from the XXXX XXXX XXXX acknowledging my case. 

Santanders reporting does not reflect the true circumstances and has caused extensive credit damage and financial harm. 

I am requesting : XXXX. Removal of all late-payment reporting tied to this recall period. 
XXXX. Re-aging of the account to current. 
XXXX. Correction of all derogatory marks with TransUnion, Equifax, and Experian. 
XXXX. Written confirmation of correction. 

I am attaching : All XXXX XXXX notices XXXX Brand Engagement case communication Reimbursement packet sent by XXXX XXXX statements I am requesting immediate correction to prevent further credit harm.

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 2025-11-17 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: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
Company not honoring the XXXX CARES ACT Relief from negative reporting from XXXX  thru XXXX has been completely RACIALLY BIASED. This Company is a XXXX XXXX XXXX XXXX that thrives on destroying PROFILES & Povertizing THRIVING MINORITIES... Thank YOU " AMERICAN GOVERNMENT '' FOR ALLOWING SUCH MASSIVE XXXX HATRED ... XXXX PLEASE BLESS XXXX & CONDEMN THE CURRENT GATE KEEPERS THAT SUPPORTS " THIS DIVIDED STATES OF XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
Identity Theft & FCRA 605B Block Request Date : XX/XX/year> Summary : I am submitting this complaint because my credit reports with Equifax, Experian, and TransUnion contain negative items that are the result of identity theft and/or were reported without my consent. These items are harming my credit standing. 

Relief Requested : Please ensure the nationwide consumer reporting agencies comply with FCRA 605B ( 15 U.S.C. 1681c-2 ) by blocking and deleting the identitytheftrelated items within four business days of receiving my identity theft report.

Supporting Documents : IdentityTheft.gov FTC Identity Theft Report ( and/or police report ) Government-issued ID and proof of address Attachment A Negative Items 605B block request letters to each CRA Negative Items ( summary ) : - Experian : XXXX  XXXX Account charged off. {$1200.00} written off. {$1200.00} past due as of - Experian : XXXX  XXXX Account charged off. {$7600.00} written off. {$7600.00} past due as of - Experian : XXXX  XXXX Account charged off. {$5800.00} written off. {$5800.00} past due as of - Experian : XXXX XXXX XXXX Transferred, closed. 
- Experian : XXXX XXXX XXXX  Transferred, closed. 
- Equifax : XXXX XXXX XXXX Account closed ; was over 120 Days Past Due - Equifax : XXXX XXXX XXXX Account closed ; was over 120 Days Past Due - Equifax : XXXX XXXX XXXX  XXXX XXXX Charge Off - Equifax : XXXX XXXX XXXX XXXX XXXX Charge Off - TransUnion : XXXX XXXX XXXX XXXX 120 Days Past Due XXXX - TransUnion : XXXX OF XXXX XXXX 120 Days Past Due XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am a victim of identity theft. Experian and Equifax are reporting fraudulent accounts that were opened while I was a minor, without my knowledge or consent. The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts were opened when I was a minor. I was born in XXXX so I could not have entered into any credit agreements. Under FCRA 605B, these accounts must be blocked and deleted immediately. 

My XXXX and Equifax files also show multiple XXXX addresses, but I have never lived in XXXX at any time. I lived in XXXX XXXX and later moved to XXXX before returning. These wrong addresses were added due to identity theft and must be removed. 

Both bureaus are also reporting an incorrect date of birth, further proving identity theft. My correct date of birth is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened a new account with Citizens Bank in XX/XX/year> and enrolled in the promotional offer requiring : 1. Two direct deposits XXXX. XXXX transactions within the first XXXX  days of account opening I successfully completed both requirements and waited until XX/XX/year>, but the promised bonus was never credited to my account. 

I have already contacted the bank and called the customer service XXXX XXXX XXXX, but no resolution has been provided. 

I kindly request that Citizens Bank investigate this matter and credit the promotional bonus as promised, or provide a written explanation for the delay. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was sending money to my roommate for rent and put in the chimesign it needed to go to, I hit send and it completely changed the chimesign and sent it to a person I do not know .. im not able to request back to the account or do anything .. they have denied my claim twice saying no error .. it has made me homeless because it was for my rent, which I told them this and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I am sending this to dispute inaccurate personal information listed on my credit report. After reviewing my credit file, I have identified discrepancies concerning my address, which I believe are either incorrect or mistakenly associated with my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this address, and I have never authorized the use of my personal information in this manner. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to request that any inaccurate or incomplete information on my credit report be investigated, corrected, and removed. Therefore, I respectfully request that you promptly reinvestigate this matter and, if the information is found to be inaccurate, remove the incorrect address from my credit file.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am sending this to dispute inaccurate personal information listed on my credit report. After reviewing my credit file, I have identified discrepancies concerning my address, which I believe are either incorrect or mistakenly associated with my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this address, and I have never authorized the use of my personal information in this manner. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to request that any inaccurate or incomplete information on my credit report be investigated, corrected, and removed. Therefore, I respectfully request that you promptly reinvestigate this matter and, if the information is found to be inaccurate, remove the incorrect address from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CredHub, Inc
State: GA

Complaint narrative:
I have rented from XXXX real estate from XX/XX/XXXX to XX/XX/XXXX. As per the lease agreement, renewals are sent out 3 months in advance. In XXXX of XXXX i received my first renewal and everything went smoothly, my second did not. I did not receive a renewal until XX/XX/XXXX and they gave me a time limit to complete a self walk through, when I communicated that I would be out of that state and could not complete the walk through by the date they gave me and asked for an extension I never received a response. Thus resulting in not being able to complete a walk and not renewing my lease so therefore I had to be out of the apartment by XX/XX/XXXX. I was completely moved out of the apartment by XXXX XXXX. I turned in the last months rent and returned my key into the the drop box at their office on XX/XX/XXXX. Which I have confirmation that the check I made out to XXXX real estate was cashed. In XXXX of XXXX I get a call from my next door neighbor that there was an eviction notice on the door with my name on it, which is strange because not only was I completely out of the apartment before my lease ended, I also turned in my house key and mail key and paid last months rent which again I know that they cashed the check as XXXX XXXX sent me the confirmation. The court date was scheduled for XX/XX/XXXX. XXXX I showed up which I guess they were banking on me not to and when I met with their attorney and presented the XXXXXXXX XXXX  confirmation, the video proof of me putting both the check and key in the lock box, a uhaul receipt from pick up to drop off, my new work address and my schedule and the fact that my neighbors had to tell me that they were trying to take me to court instead of properly notifying me he was even dumbfounded. He had me sign a paper that stated I would not owe anything and if I did they would use my security deposit. So imagine my surprise when I see on my credit that they tried to put my account in collections after trying to take me to court under false claims. Not only have they damaged my credit but also my rental history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stuart-Lippman and Associates, Inc
State: MI

Complaint narrative:
I am filing a complaint regarding severe ongoing credit reporting abuse by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( they use both names ), XXXX XXXX, and XXXX XXXX. My credit report contains fraudulent duplicated and conflicting information that is damaging my credit and connected to an auto loan deficiency dispute. 

XXXXduplicate tradelines under different names ( Vibe and ECU ) using same account numbers partial digits. 

XXXXFalse reporting of bankruptcy, foreclosure, excessive repos ( never filed bankruptcy or owned a home, XXXX repo XXXX voluntary repo ). 

XXXX Is reporting a collection as the original creditor ( XXXX not on agreements ). 

XXXXVibe and XXXX  has sa.e phone number. 

XXXX current lawsuit omits key documents including Release and Assignment to XXXX, GAP, and Protection Plus coverage which makes credit reporting inaccurate. 

XXXX. XXXX paid XXXX on a blanket claim and this amount appeared immediately as paid to Vibe on my credit report and as a collection for XXXX on an insurance settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
To Whom It May Concern : I am formally disputing multiple unauthorized hard inquiries that appear on my TransUnion credit report. I did NOT grant written permission, verbal permission, or permissible purpose under the Fair Credit Reporting Act ( FCRA 604 ) for these companies to access my credit file. 

The following inquiries were not authorized by me and must be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 604 ( a ) ( 3 ), a hard inquiry may only occur with : 1. My express written authorization, or 2. A valid permissible purpose.

Since I did not initiate applications with several of these companies, these inquiries are unlawful. FCRA 611 requires you to investigate the accuracy of any disputed item. FCRA 607 ( b ) requires TransUnion to maintain maximum possible accuracy at all times. 

YOU MUST : 1. Conduct a full investigation 2. Provide proof of each inquiry, including written authorization bearing my signature 3. Provide the name and address of each company that claims to have received permissible purpose 4. REMOVE ALL inquiries that can not be verified within XXXX days, per FCRA 611 ( a ) If you can not produce legally sufficient documentation proving I authorized these inquiries, they must be deleted immediately. Merely verifying electronically with the furnisher is not acceptable under the FCRA. You are required to provide physical evidence of authorization.

Failure to comply will result in : Formal complaints filed with the CFPB, FTC, and State Attorney General Consideration of a civil claim for willful non-compliance under FCRA 616 and negligent non-compliance under 617 Seeking statutory damages, punitive damages, attorneys fees, and any other relief permitted by law I expect your written response and full results of the investigation within XXXX days, as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: WI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of XXXX XXXX. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief