vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute inaccurate information being reported on my Experian credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Reported Balance : {$77.00} Disputed Inaccuracies : XXXX. Late Payment Reporting : Experian reflects a XXXX late payment in XX/XX/XXXX, which is inaccurate. I made my payments on time, and the account has consistently remained in good standing. 
XXXX. Balance Reporting Errors : Experian is showing a balance of {$77.00}, while other credit bureaus report significantly different balances for the same timeframe. This inconsistency indicates inaccurate reporting. 
XXXX. Monthly Payment Reporting Discrepancy : Experian reports a monthly payment of {$40.00}, which conflicts with what other bureaus report. This demonstrates an error in reporting.

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 2025-09-10 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: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-10 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: NC

Complaint narrative:
To Equifax Dispute Department, I am disputing the reinserted XXXX XXXX XXXXl account that is erroneously appearing on my Equifax credit report. This account was previously disputed and removed due to identity theft, and it remains deleted on Experian and TransUnion. Equifax has now reinserted the account without notifying me or providing any certification of accuracy. 

This reinsertion violates the Fair Credit Reporting Act ( FCRA ) : Reinsertion notice & certification ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : If Equifax reinserts previously deleted information, you must ( 1 ) obtain a certification of accuracy from the furnisher and ( 2 ) provide me written notice within 5 business days of reinsertion, including the name, address, and phone of the furnisher. I received no such notice.

Identity theft blocking ( 15 U.S.C. 1681c-2 / FCRA 605B ) : Upon receipt of an identity theft report, a CRA must block reporting of information that resulted from identity theft and not resell/reinsert it unless very limited exceptions apply ( and only with prompt notice to me ). This account was previously blocked/removed on this basis and should remain blocked.

Reasonable reinvestigation & timelines ( 15 U.S.C. 1681i ( a ) ) : Equifax must conduct a reasonable reinvestigation within 30 days and delete or correct inaccurate or unverifiable information. 

Given the above, I demand the following : Immediate deletion and permanent block of the XXXX XXXX account as identity-theft related under 605B ( 15 U.S.C. 1681c-2 ).

Written confirmation of deletion and an updated credit report.

If you contend the account is valid, provide the furnishers certification of accuracy, the method of verification, and complete business contact information as required by 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ), and evidence that you complied with reinsertion notice requirements under 611 ( a ) ( 5 ) ( B ).

Place an extended fraud alert for 7 years under 605A ( b ) ( 15 U.S.C. 1681c-1 ( b ) ) ( I am enclosing my identity theft report ), or confirm a security freeze if I request it.

Please note I have also filed complaints with the Consumer Financial Protection Bureau and the North Carolina XXXX XXXXXXXX XXXX regarding this matter. 

Enclosures ( copies ) : Government ID and proof of address Identity Theft Report ( FTC/police ) Under the FCRA, if you can not verify this item with proper certification, you must delete it and ensure it is not reinserted. Please respond within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am officially requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to validate my claim.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT

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 2025-09-10 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: PA

Complaint narrative:
This is unfair, illegal, fraudulent, and inequitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Someone opened a bank account with Frost bank in my name using my social and birthday and name. Tried sending XXXX  requests in various amounts from XXXX to over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
Please delete this unauthorized inquiry from my credit report. I have no knowledge of initiating it and no relationship with the listed creditor. I ask for its immediate removal to uphold the integrity of my credit 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 non-monetary relief
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
Vehicle was repossessed from an address not associated with the vehicle. 
I believe there was an illegal GPS tracker on the vehicle. 
I did XXXX XXXX from any address the vehicle is associated with to be followed to the address the vehicle was taken from. 
This happened on XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my 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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I state that the incorrect late payment entries on my accounts are a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Upon. Reviewing my CBR report it has come to my knowledge that my chase mortgage account is being reported incorrectly ... I have been denied access to my home equity because of a 90 past due report showing on my CBR which is inaccurate. This one mistake is causing me not to be approved for a home equity investment opportunity and I demand it be removed immediately .. Please help.

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 2025-09-10 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: MO

Complaint narrative:
Upon. Reviewing my CBR report it has come to my knowledge that my chase mortgage account is being reported incorrectly ... I have been denied access to my home equity because of a 90 past due report showing on my CBR which is inaccurate. This one mistake is causing me not to be approved for a home equity investment opportunity and I demand it be removed immediately .. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I initiated a XXXX from my Ally checking account to my XXXX checking account for {$1100.00}. Ally immediately put a hold on the transaction and delayed processing. After repeated phone calls, I was unable to get the transaction completed any faster nor was I given any legitimate reason as to why the hold was in place, but was assured it would arrive at XXXX on XX/XX/XXXX. That did not happen. Ally did not even notify XXXX that it was coming until late in the evening on XX/XX/XXXX and initiated the transfer like an ACH. This has now resulted in ANOTHER XXXX process time on XXXX 's end because it was not sent like a regular XXXX ( which is nearly instantaneous ). This will not cause me to be late on my federal tax estimated payment, which will result in a negative entry on my tax file and significant fees. I have been unable to get ahold of a supervisor at Ally and the escalations department that was supposed to call me back by XXXX has still not called as of today, XX/XX/XXXX. This is at least the third time I have had to resort to a CFPB complaint over money transfers from Ally

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after 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 explanation
Consumer complaint received 2025-09-10 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts are a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MI

Complaint narrative:
On XX/XX/XXXX I noticed items on my report that werent mine and no one had verbal, written consent or authorization to open or report. XXXX XXXX XXXX XXXX XXXX, XXXX Closed, XXXX XXXX XXXX XXXX, XXXX Closed Closed/Never late. 
XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX Closed Paid, Closed/Never late. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX Closed Paid, Closed/Never late. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Closed Paid, Closed/Never late. 
XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX Collection account. {$570.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$570.00}. I notified company but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MI

Complaint narrative:
On XX/XX/XXXX I noticed items on my report that werent mine and no one had verbal, written consent or authorization to open or report. XXXX XXXX XXXX XXXX XXXX, XXXX Closed, XXXX XXXX XXXX XXXX, XXXX Closed Closed/Never late. 
XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX Closed Paid, Closed/Never late. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX Closed Paid, Closed/Never late. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Closed Paid, Closed/Never late. 
XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX Collection account. {$570.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$570.00}. I notified company but no response.

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 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have explained that my credit score was over XXXX, when I went into the hospital for XXXX XXXX  i was in the XXXX XXXX XXXX XXXX at that time I was asked for my medical cards and then I was made aware my wallet had been stolen and my life has been a nightmare, I am only asking to verify all information on my credit report then please delete all information that is not mine

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