vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: Klarna AB
State: FL

Complaint narrative:
I am filing this complaint to report multiple fraudulent accounts, addresses, and inquiries appearing on my consumer credit report that are the result of identity theft and inaccurate reporting. 

I previously submitted an FTC Identity Theft Affidavit to document this issue and will submit another report once the government shutdown ends and the FTC system becomes available again. In the meantime, I am requesting the CFPBs assistance in having these items removed from my credit report. 

The fraudulent accounts, addresses, and inquiries include the following : Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to the identitytheftrelated accounts and inquiries listed above, I am also disputing late payment reporting from XXXX XXXX XXXX. The account was not late, and I have already contacted XXXX XXXX XXXXXXXX directly to request correction. However, the company advised me to contact the credit bureaus instead, while the credit bureaus directed me back to XXXX  XXXX XXXX. This has left me unable to resolve the issue despite multiple goodfaith attempts. 

I previously submitted an FTC Identity Theft Affidavit and intend to submit another as soon as the FTC system becomes available following the government shutdown. Despite multiple good-faith attempts to resolve the issue directly with XXXX XXXX XXXXXXXX and XXXX credit reporting agencies, I have been referred in circles between them. 

The Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) provide consumers the right to dispute inaccurate and fraudulent information, and require both furnishers and credit reporting agencies to conduct a reasonable investigation and delete unverifiable or fraudulent data. However, despite these legal obligations, neither XXXX XXXX XXXXXXXX nor the credit bureaus have corrected the inaccurate late payment or removed the identity theft-related items. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing this complaint because an account appearing on my credit report is connected to an address I have never lived at or seen before. I wrote a letter to the creditor requesting verification of the debt and documentation showing what address and identifying information were used to open the account. Despite my request, I have not received any proof that the account belongs to me. This situation is affecting my credit, and I believe the furnisher may be reporting inaccurate information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am asking that the CFPB assist in ensuring the furnisher provides verification or removes the account if it can not be validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: U.S. BANCORP
State: IL

Complaint narrative:
Elan Financial Services Inaccuracies : Account showing conflicting open and closed dates across bureaus.

Inconsistent delinquency counts and payment history.

Reported past-due balance despite no verified statement of account.

Violations : FCRA 607 ( b ), 611 ( a ) : Inconsistent reporting and failed reinvestigation.

FDCPA 807 ( 8 ) : False representation of debt.

FDCPA 809 ( b ) : No validation notice provided.

15 U.S.C. 1681s-2 ( b ) : Reporting unverified data.

FCRA 623 ( b ) : Failure to correct after dispute.

Resolution : Delete immediately and compensate {$5000.00}.

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 2025-10-26 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: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-26 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This account was opened in my name while I was in XXXX I dont know how and I dont know why. But I have the proof that I didnt open it and couldnt have opened it. I didnt get out of XXXX until XXXX this account was opened XXXX months prior without my knowledge or authorization. I got granted XXXX from XXXX in XXXX but was not scheduled for release until XXXX, then it still takes a month to get brought down to a XXXX  for transport back into the city I went to XXXX at originally. So from granted XXXX to release from XXXX took XXXX months. How could I sign up for anything from behind a XXXX gate way up in the mountains completely cut off from society with a pay phone that says this is a call from a XXXX XXXX press XXXX to accept. Its impossible. I did XXXX months upstate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-26 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: NY

Complaint narrative:
XXXX had to close my card to give me a total new card number. They closed the account to reflect on my credit report and also put the wrong credit limit. I've called numerous times and no one ever fixes anything. They put a way lower credit limit that was lower than the account they changed and my credit score or credit limit never went down. this company is incompetent and i hate them, They hate to do their job and they're extremely lazy.When i contacted them again via chat, I was told to try again in an hour as they're having technical difficulties, but they were able to still chat. Pure lies and another employee that doesn't want to do their job and even when they do it, its done wrong. They do the wrong thing on my account all the time and I am tired.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX had to close my card to give me a total new card number. They closed the account to reflect on my credit report and also put the wrong credit limit. I've called numerous times and no one ever fixes anything. They put a way lower credit limit that was lower than the account they changed and my credit score or credit limit never went down. this company is incompetent and i hate them, They hate to do their job and they're extremely lazy.When i contacted them again via chat, I was told to try again in an hour as they're having technical difficulties, but they were able to still chat. Pure lies and another employee that doesn't want to do their job and even when they do it, its done wrong. They do the wrong thing on my account all the time and I am tired.

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 2025-10-26 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
This debt was discussed with parties outside of the company and whom worked for the company which resulted in others being aware about personal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: KY

Complaint narrative:
I am filing a complaint against TransUnion for reporting multiple inaccurate and unverified items on my credit report, despite my previous disputes. TransUnion is reporting a wrong address ( XXXX XXXX XXXX XXXX, XXXX, KY XXXX ) and several accounts I have no knowledge of. 

These include a charge-off from XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and multiple collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other false collections are listed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I have never authorized or opened any of these accounts. 

TransUnion is also reporting unauthorized hard inquiries from XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all made without my consent or permissible purpose. 

Despite my written dispute, TransUnion failed to verify these items within 30 days as required by the Fair Credit Reporting Act ( FCRA 1681i ). Their continued reporting of false information violates federal law and has damaged my credit. I am requesting CFPB to investigate TransUnion and require deletion of all inaccurate, unverified, and unauthorized items.

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 2025-10-26 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$14000.00} XXXX, XXXX # XXXX XX/XX/year> -- {$7800.00}

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 2025-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
I Started a loan for a XXXX XXXX XXXX in XX/XX/XXXX I purchased a maintenance plan when I started the loan. I put miles on my car and had to purchase a new maintenance agreement that cost me XXXX in XX/XX/XXXX. The XXXX agreement was for 60 months plus additional XXXX miles. I never needed additional coverage the XXXX contract wasn't up it was all a scheme. I had been trying to cancel but kept getting the ran around. Since XX/XX/XXXX when everything else was cancel when I traded it in. The financial manager said he would transfer it to my new car it never happen. I ask about everything once again gave them the new maintenance agreement and they trying to pay me XXXX  off the old agreement. I spoke to the finance manager and he put the paperwork in and now nothing can be found

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Ncb management services has failed to verify and validate a debt within the XXXX day window which is a violation of the fdcpa, and because of this, I am requiring a cease and desist of all collections and the removal of this bogus debt off my credit report. They will hear from my attorney if not followed through. A certified letter asking for validation of the debt was received by them XX/XX/year> and was not responded to as of XX/XX/year>. The company didnt verify, citing the statute. They are in clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax Allowing Reporting of Account Denied by XXXX  Equifax is allowing a trade line to remain on my credit report even though XXXX XXXX explicitly told CFPB : We are not the appropriate company to address your issue. By hosting reporting from an entity that disclaims responsibility, Equifax is publishing inaccurate and damaging information. 

I also previously informed Equifax that the account is disputed and should not appear while under investigation. Online dispute tools are inaccessible for me to dispute using this update. 

Current update and claim : XXXX XXXX continues to report a trade line on my Equifax credit report despite explicitly stating to CFPB : We are not the appropriate company to address your issue. They deny responsibility for this account, yet they keep it active on my credit report, causing ongoing harm. 

Allys own statement proves they admit no authority over this account, yet Equifax continues to display damaging information. This is a clear violation of fair credit reporting standards. I request Equifax immediately fix this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I financed an {$6000.00} engagement ring from XXXX through Comenity Capital Bank with a XXXX XXXX interest rate for XXXX months. On XX/XX/XXXX, I had {$700.00} remaining in the account. I make a payment for the remaining balance through the app. However, the following month, I received a notice that {$3000.00} had been added to the account due to an unpaid balance. 

When I called the bank, I explained that instead of processing a payment for the remaining promotional balance, they had only deducted the last amount I had paid, which was {$200.00}. Despite my complaint that this was incorrect and likely a system error, they informed me that there was nothing they could do. 

I feel as though I am being scammed and taken advantage of. I am an XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and with the current government shutdown this is adding to my financial stress.

Company response to consumer: Closed with explanation