vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
Today, I discovered that an account was reported to XXXX using my personal information without my authorization. The account was reported on XX/XX/2018 by XXXX / XXXX. I did not apply for a loan, did not contact this company, and have never had any relationship with them. This appears to be the result of identity theft or fraud. 

The reporting companys contact information : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX Phone : XXXX Email : XXXX This fraudulent account has appeared on my credit report and is negatively affecting my credit profile. I am requesting that it be investigated and permanently removed from XXXX and all credit reporting agencies.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Complaint Regarding Failure to Fully Correct Credit Reporting Error I am filing this complaint regarding inaccurate credit reporting that has not been fully corrected despite confirmation from the creditor that an error occurred. 

In XX/XX/XXXX, a XXXX late payment was reported on my XXXX XXXX account XXXX This late payment was not my fault. The account was enrolled in automatic payments, and the creditor failed to draft the payment due to their own system error. 

On XX/XX/XXXX, I contacted XXXX XXXX directly. They acknowledged the error, confirmed that I was not at fault, and stated that they submitted documentation and corrections to all three major credit bureaus ( XXXX XXXX and XXXX  ). 

As a result of this inaccurate reporting, my credit score dropped nearly 100 points. Although I later received notifications indicating my score had increased, my credit score has not been restored to its correct level, and the negative impact remains. 

This indicates that the credit bureaus have either : Failed to fully remove all data associated with the erroneous late payment, or Failed to properly reinvestigate and correct the residual scoring impact as required under the Fair Credit Reporting Act ( FCRA ). 

I have already disputed this matter directly with the credit bureaus and the creditor. Partial corrections were made, but the inaccurate reporting continues to negatively affect my creditworthiness. 

This unresolved error is preventing me from refinancing my home and is causing ongoing financial 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 explanation
Consumer complaint received 2025-12-23 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: CBC Companies, Inc.
State: WA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
I am submitting this complaint regarding the continued reporting of inaccurate, unverifiable, and disputed accounts on my consumer credit reports by multiple furnishers and collection agencies. 

I am a victim of the Equifax data breach, and my personally identifiable information was compromised. As a result, accounts have been reported that I did not authorize, that are inaccurately reported, or that can not be properly verified. Despite submitting disputes and exercising my rights under the Fair Credit Reporting Act ( FCRA ), these entities have failed to correct or delete inaccurate information and have continued reporting derogatory data. 

This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after notice of dispute 15 U.S.C. 1681c-2 ( a ) Failure to block identity theftrelated information 15 U.S.C. 1681n / 1681o Willful and negligent noncompliance Several of these accounts are reporting charge-offs, collections, or severe delinquencies ( XXXX days past due ) without proper verification, documentation, or permissible purpose. Some accounts are also being duplicatively reported, amplifying harm to my credit profile. 

ACCOUNTS IN DISPUTE Credit Cards/ Charge-Offs 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 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 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 XXXXXX/XX/XXXX HARM CAUSED The continued reporting of these accounts has caused significant financial and reputational harm, including denial of credit, increased interest rates, and emotional distress. The inaccurate reporting remains despite disputes and notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
I am submitting this complaint regarding the continued reporting of inaccurate, unverifiable, and disputed accounts on my consumer credit reports by multiple furnishers and collection agencies. 

I am a victim of the Equifax data breach, and my personally identifiable information was compromised. As a result, accounts have been reported that I did not authorize, that are inaccurately reported, or that can not be properly verified. Despite submitting disputes and exercising my rights under the Fair Credit Reporting Act ( FCRA ), these entities have failed to correct or delete inaccurate information and have continued reporting derogatory data. 

This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after notice of dispute 15 U.S.C. 1681c-2 ( a ) Failure to block identity theftrelated information 15 U.S.C. 1681n / 1681o Willful and negligent noncompliance Several of these accounts are reporting charge-offs, collections, or severe delinquencies ( XXXX days past due ) without proper verification, documentation, or permissible purpose. Some accounts are also being duplicatively reported, amplifying harm to my credit profile. 

ACCOUNTS IN DISPUTE Credit Cards/ Charge-Offs 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 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 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 XXXXXX/XX/XXXX HARM CAUSED The continued reporting of these accounts has caused significant financial and reputational harm, including denial of credit, increased interest rates, and emotional distress. The inaccurate reporting remains despite disputes and notice.

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 2025-12-23 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: TX

Complaint narrative:
I am filing this complaint as a consumer regarding inaccurate and unverified information on my Experian credit report. I am requesting a proper reinvestigation of the following items. 

Charged-Off Accounts in Dispute ( Experian ) The following accounts are reported as charged off and are disputed : 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 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 dispute the accuracy, balances, dates, and reporting status of these accounts. I am requesting Experian verify each account with proper documentation, including proof of ownership, complete account history, and authority to report. Any account that can not be fully verified should be deleted. 

Late Payment in Dispute ( Experian ) XXXX XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX  I dispute the late payment reporting on this account and request Experian verify the accuracy of the payment history and correct or remove any inaccurate information.

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 2025-12-23 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: NY

Complaint narrative:
I am filing this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) demanding that Transunion immediately block and permanently remove identity-theft information that was placed on my consumer credit report without my knowledge, consent, or authorization. I timely submitted a valid FTC Identity Theft Report, proof of identity, and supporting documentation establishing that these items are the direct result of fraud and not any legitimate consumer transaction. My FTC affidavit identifies four fraudulent accounts, including a XXXX XXXX credit card opened XX/XX/XXXX, a XXXX XXXX credit card opened XX/XX/XXXX, a XXXX XXXX  auto loan opened XX/XX/XXXX, and a XXXX XXXX XXXX  insurance or collection account beginning XX/XX/XXXX, all of which caused unauthorized hard inquiries, collections, and charge-offs to be reported. This submission constitutes a statutory identity-theft block request, not a dispute, and I expressly do not consent to reinvestigation or automated e-OSCAR processing under FCRA 611 . Under federal law, once a consumer submits a complete Identity Theft Report, the credit bureau must block the fraudulent information within four business days and may not continue to publish or reinsert such data. I am requesting immediate deletion of all listed identity-theft items, written confirmation of removal, suppression of any related inquiries or collection activity, and confirmation that this matter has been escalated for manual compliance review. Any failure to comply with 15 U.S.C. 1681c-2 constitutes a continuing violation of the FCRA and may result in further regulatory or legal action.

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 2025-12-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I WOULD LIKE FULL REVIEW OF MY SOCAIL SECURITY XXXX BEING COMPROMISED IN LAST TWO YEARS AND CHECKS CHASED IN MY NAME AND ASIGNED GUARDIANSHIP KN MY NAME. From Family members XXXX XXXX, XXXX XXXX, XXXX XXXX and another family member living at address XXXX XXXX XXXX XXXX mn XXXX XXXX XXXX Are. THE BANKS IN QUESTION IS WELLS FARGO AND XXXX XXXX  and XXXX XXXX. I WOULD THAT CHECK BE TRACED AND SEIZE ANY BUSINESS OR PURCHASE THAT TOOK PLACE. Mainly Real estate and bank balances. After the seizure I will see how I will negotiate with each individual. ALSO IN MEANTIME IF DO COME FORWARD I RESERVE THE RIGHT TO PROCEED OR STOP THE INVESTIGATION. 

Thank You XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: VA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$78.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : No inquiries listed for Equifax. 

Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-12-23 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: FL

Complaint narrative:
I am writing to formally dispute the following accounts listed on my credit report across the three major credit bureaus. I believe these accounts contain inaccuracies or incomplete reporting. Kindly review the following details of the disputed accounts and take the appropriate actions. Below is a breakdown of the dispute by bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$290.00} Source XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$8400.00} XXXX XXXX Auto Finance Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$11000.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$10000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$9200.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1700.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$1300.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$930.00} Inquiries : XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
Dear Sir/Madam, I am writing to formally dispute the following inquiries listed on my credit reports. These inquiries were made without my authorization, and I am requesting that they be removed in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the inquiries in question : XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX Date of Inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I deposited a check into my checking account on Friday XX/XX/year> with td bank, it posted on XX/XX/year>, all of a sudden I wasnt able to log into online banking it asked me to call td costumer service I did, they didnt say much they claimed my funds would be available today, for it another hour, I waited two hours later I couldnt log back in into my account, I called again they said my account is being closed without reasoning but to step into the branch to retrieve my funds, I stepped into the branch to get my funds out now a branch representative saying I cant, when I wasnt told that over the phone they told me come retrieve my funds at the branch now Im here its a complete different situation and change of words, I want my funds immediately I will bank with someone else what they doing to me a customer from different race is wrong they dont do this to anyone, I want my funds

Company response to consumer: Closed with explanation