vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-12 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: DC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-12 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: GA

Complaint narrative:
I am disputing the following accounts and information being inaccurately reported on my Equifax credit report. These entries are having a significant negative impact on my creditworthiness, and I request that they be reviewed and corrected. 

CHARGED OFF XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} INQUIRIES XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX LATE PAYMENTS XXXX XXXX XXXX Account Number : XXXX XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NE

Complaint narrative:
I am disputing the following items reported on my TransUnion credit report : Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX Card, Date Opened : XX/XX/XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX, Date Opened : XX/XX/XXXX XXXX, Date Opened : XX/XX/XXXX XXXX, Date Opened : XX/XX/XXXX XXXX, Date Opened : XX/XX/XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX Late Payments : XXXX  XXXX, Account Number : XXXX Capital XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number 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 2025-11-12 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the XXXX-XXXX-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under XXXX XXXX XXXX, XXXX XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is an eviction notice on under my name associated with an address that was recently deleted from my credit report that did not belong to me. This needs to be removed ALSO from my background report through EXPERIAN. This has been an ongoing unnecessary nightmare and I need to have this TOO deleted from MY NAME! Please address this ISSUE ASAP!

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 2025-11-12 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: TN

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am submitting this complaint regarding several accounts being inaccurately reported on my credit file as having late payments. These reports are false, misleading, and have caused significant harm to my credit reputation and overall financial standing. I have never made late payments on any of these accounts, and I demand that this matter be investigated and corrected immediately. 

The inaccurate accounts are listed below : XXXX Account XXXX XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Reported Issue : Incorrect late payment history XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX  High Balance : {$630.00} Date Opened : XX/XX/XXXX Reported Issue : Incorrect late XXXX XXXX XXXX XXXX  Account No. XXXXXXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Reported Issue : Incorrect late payment history CAPITAL XXXXXXXX XXXX XXXX  Account No. XXXXXXXX XXXX  High Balance : {$27000.00} Date Opened : XX/XX/XXXX Reported Issue : Incorrect late payment history Each of these creditors has reported late payments that never occurred. I have consistently made all payments on time and possess no record or notice from any of these creditors indicating delinquency. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( A ), which requires furnishers of information to report only accurate and complete data. 

I request that the CFPB investigate these inaccuracies, contact the furnishers to verify the data, and ensure that the incorrect late payment notations are permanently removed or corrected to reflect an accurate payment history. 

Please provide written confirmation once this complaint has been processed and resolved. I am attaching a copy of my identification and relevant credit report sections for your reference. 

Thank you for your attention and prompt handling of this serious matter.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Unauthorized access to my credit report by multiple companies has severely damaged my credit and score. Despite assurances from your representative that these fraudulent inquiries would be removed, they persist. This inaction is unacceptable and indicates potential identity theft. The ongoing harm to my finances and well-being is intolerable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a new XXXX XXXX from XXXX XXXX XXXX. I originally planned only to look at the vehicle and return later with my own financing, but salesman XXXX XXXX convinced me to use their financing, assuring me it would help the dealership and that they could match my rate. I agreed and signed paperwork showing XXXX XXXX XXXX XXXX as my lender, then took the truck and documents home. 

Within days, the truck began showing error codes, and I contacted the dealership. XXXX days after the sale, during a call with XXXX XXXX, he mentioned Truist as my lender. When I questioned this, he told me to check my paperwork, which all listed XXXX. I contacted XXXX, who told me XXXX had retracted my loan on XX/XX/XXXX. My credit report then showed XXXX continued pulling my credit after the sale. 

I called Truist, who confirmed a loan existed in my name but refused to provide documents showing how it was activated. I informed them it was fraudulent, as I never signed or authorized it. I followed XXXX identity theft reporting process, filed a police report, visited their branch in person, and provided all documentation, but Truist later claimed it was not identity theft and still will not show how the loan was opened. They continue to demand payments despite lacking any signed agreement, and I made the first payment only to protect my credit. 

My title lists XXXX as the lienholder. When I asked them to release it, XXXX said they would send a release to XXXX so XXXX could add themselves instead. It appears XXXX is protecting XXXX, XXXX of their top lenders, despite knowing XXXX retracted their loan and activated XXXX with Truist without my 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 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
I made a full statement balance payment of {$42.00} through my banks bill pay XXXX XXXX XXXX XXXX XXXX ) on XX/XX/year>. When the payment had not cleared after several business days, I called XXXX/Barclays XXXX XX/XX/XXXX and again on XX/XX/XXXX. XXXX/Barclays said XXXX could not locate the payment. I then contacted my bank, which confirmed it was sent ( Confirmation XXXX XXXXXXXX ), but XXXXBarclays had not processed it. 

Following XXXX/Barclays advice XXXX I made another payment of {$44.00} over the phone on XX/XX/XXXX ( Ref XXXX XXXX ) to ensure the balance was paid and to avoid any late fees or credit impact. My bank said I could cancel the original check, which I did. Due to ongoing issues with XXXXBarclays , I decided to close my account. 

Weeks later, after the account was closed and balance was at {$0.00}, XXXXBarclays located the original check, processed it, and then charged me a {$30.00} returned payment fee and a {$2.00} minimum charge. I have repeatedly experienced delayed payment issues and poor customer service with this bank. This situation is unacceptable. After closing the account, they found the check, processed it, and still added a {$32.00} fee. I have requested its removal multiple times, but XXXXBarclays refuses XXXX citing policy. I am requesting the full reversal of the {$32.00} and written confirmation that my account is closed with a XXXX balance. 

Also I would like to state that my previous name, XXXX XXXX, is still listed in their system despite multiple requests and submission of documentation. I have provided the paperwork more than once, but the change was never processed. I have always been an outstanding customer and consistently made my payments on time.

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 2025-11-12 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: AL

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-12 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: AL

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccuracies being reported on my credit profile. These errors are severely affecting my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported about a consumer be accurate, complete, and verifiable. 

The following items are incorrect and must be investigated immediately : Wrong Addresses Listed : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX addresses are not and have never been associated with me. The presence of these incorrect addresses indicates potential file-mixing or identity errors, both of which are serious compliance issues under the FCRA. 

XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$7500.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account. I have never opened or maintained any account with XXXX. This appears to be a case of mistaken identity or inaccurate reporting. I request a full investigation and permanent deletion of this account from my credit report unless verifiable documentation bearing my signature is produced. 

XXXX XXXX XXXX XXXX dated XX/XX/XXXX I did not authorize this inquiry. Unverified inquiries can unfairly impact my XXXX XXXX and should not remain on my report. I demand removal of this inquiry immediately unless proof of my written authorization is provided. 

These reporting errors constitute violations of the FCRA ( 15 U.S.C. 1681i and 1681s-2 ), which mandate that consumer reporting agencies and furnishers maintain accurate information and promptly correct any discrepancies. 

I am requesting that the CFPB initiate an investigation into these matters and ensure that : The inaccurate addresses are deleted from my credit file. 

The XXXX charge off account is deleted for lack of verifiable consumer authorization. 

The XXXX XXXX XXXX inquiry is removed unless lawful consent is documented. 

These inaccuracies are damaging my credit reputation and causing emotional and financial distress. I expect swift corrective action from all responsible parties and confirmation of these corrections in writing.

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 2025-11-12 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: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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