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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is extremely frustrating that the inaccurate account is still showing on my credit report. It hasnt been removed at all, and Im desperately asking that you carefully check the documents Ive attached so I no longer have to suffer this stress.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Its very upsetting that the unauthorized inquiries are still showing up on my credit report today. I dont know why this hasnt been fixed, and refreshing my browser didnt change anything. I need this issue resolved right away by thoroughly reviewing my documents so I can stop dealing with this constant frustration.

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: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
1. I do not have a credit card 2. My mom put me as a authorized user on her card and I did not ask to be I need my own card 3. I am getting denied for inquiries when there are oily XXXX on experian from 1 car dealer which I did not get and 1 on XXXX  4. They are racially discriminating against me 5. They stopping all money in the economy to make it hard under 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 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: U.S. BANCORP
State: CO

Complaint narrative:
I am disputing the creditors refusal to grant a courtesy removal of reported delinquencies. While I understand that creditors are not always required to remove accurate information, this same creditor has granted courtesy or goodwill removals for other customers under similar circumstances. When I requested the same consideration, my request was denied without a clear explanation or transparent criteria. 

This creates an unfair and inconsistent practice, where some customers benefit from courtesy removals while others are denied without justification. I am requesting that these delinquencies be removed from my credit report in the interest of fairness and consistent treatment, or that the creditor be required to clearly explain the basis for granting or denying such courtesy requests.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, and my personal information was exposed in multiple data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent. 

I submitted official FTC Identity Theft Reports, my government-issued ID, proof of address, and formal written disputes under FCRA 605B, which requires these bureaus to block and delete fraudulent information within 4 business days. Despite complying with all requirements, the bureaus failed to delete the false accounts and inquiries, leaving me vulnerable to further harm.

This continued reporting of fraudulent data after valid identity theft documentation has been submitted is a direct violation of FCRA 605B, as well as 616 and 617 regarding willful and negligent noncompliance. I have suffered financial and emotional damage due to their inaction.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting multiple addresses that do not belong to me. These addresses are inaccurate and the result of mixed files. I disputed them directly with XXXX  but they refused to delete them. This violates FCRA 607 ( b ), which requires maximum possible accuracy, and 611, which requires consumer disputes to be properly investigated. I request immediate deletion of all inaccurate addresses and correction of my credit file.

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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name :XX/XX/XXXXXX/XX/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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
1. I do not have a credit card 2. My mom put me as a authorized user on her card and I did not ask to be I need my own card 3. I am getting denied for inquiries when there are oily XXXX XXXX XXXX from 1 car dealer which I did not get and 1 on XXXX  4. They are racially discriminating against me 5. They stopping all money in the economy to make it hard under Trump

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXs inaccurately reporting two closed accounts on my credit file. On Experian and TransUnion, XXXX XXXX account is listed as discharged in bankruptcy, while another is shown with late payments prior to closure. However, my XXXXXXXX credit report dated XX/XX/year>, shows no negative reporting for XXXX accounts. 

This inconsistency across the bureaus violates FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. If XXXX  shows no derogatory reporting, Experian and TransUnion can not justify conflicting negative data. 

Additionally, once an account is included in a XXXX XXXX XXXX  it can not continue to be reported as derogatory or charged-off. Doing so constitutes duplicative derogatory reporting, which misleads lenders and unfairly lowers my credit standing. 

I requested verification, but neither XXXX nor the bureaus have provided original signed contracts, payment history, or bankruptcy documentation to support these derogatory reports. Without such evidence, the information is unverifiable under FCRA 611 ( a ).

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Tried to apply for a credit card didnt realize XXXX report was froze I keep calling the bank and cant speak to the credit card dept to reconsider the application

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking to rent an apt in downtown LA when I discovered account I do not recognize as ever doing any business for credit with the followcompanies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would like to request a PIN from all 3 credit bureaus an a freeze-block my filesuntil further 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 2025-09-10 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: TX

Complaint narrative:
This letter serves as a formal request to correct an inaccurately reported late payment. My consistent payment history demonstrates that this entry is false. Its inclusion is misleading, unfair, and harmful to my credit profile.

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: 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$170.00}

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: FL

Complaint narrative:
My name is XXXX XXXX My Social Security number is XXXX. My address is XXXX XXXX XXXX, XXXX, FL XXXX and the reason of this report I have gotten information that is on my credit report was inaccurate this CFPB complaint has been filed to the request pursuant to FCRA 605B ( 15U.S.C. 1681c-2 ) that you, the transunion credit reporting agency block information appearing on my consumer credit report that is the results of identity, theft and fraud within four days of you receiving this complaint this fraudulent inaccurate and false information consists of a personal credit card open as well as emergency physicians accounts dates of XX/XX/XXXX account number XXXX {$1400.00} XX/XX/XXXX account number XXXX {$1700.00} and XX/XX/XXXX account number XXXX {$1600.00}, and XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX {$850.00}, and lastly a XXXX XXXX on XX/XX/XXXX account number XXXX {$7100.00}. these accounts have resulted in several fraudulent, hard inquiries and fraudulently collection appearing on my consumer FICO credit report. I have attached a list of our inquiries and questions as well as a copy of the consumer FICO credit report, maintain by you, which shows the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report, maintain by you were not open May or initiated by me all of the aforementioned accounts, collections and XXXX inquiries are the results of identity, theft and fraud. I have attached a copy of FTC identity, theft criminal complaint number as proof from the US federal trade commission that all of the aforementioned consumer, credit accounts, collections, and hard inquiries are the result of identity, theft, and fraud.

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: CBC Companies, Inc.
State: NY

Complaint narrative:
I am requesting an immediate of adding of freeze on my credit file.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had a Collection with XXXX XXXX XXXX that was removed by XXXX after investigation, but Experian continues to report the same account. This creates inconsistent and inaccurate reporting across credit bureaus. I am requesting Experian to remove this account as it has already been deleted by XXXX, proving it is inaccurate or unverifiable. The continues reporting is misleading to my credit profile, and violates the Fair Credit Reporting Act ( FCRA ). Please investigate and ensure the account is permanently deleted.

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: WA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing a personal loan with Opportun , Inc. ( XXXX # XXXX ). 

At origination, I was told only that the funds would be deposited within 13 business days. I was not provided with the required Truth in Lending Act ( TILA ) disclosures, including APR, finance charge, total of payments, or repayment schedule. Instead, I was given only a pamphlet with a referral code. 

Later, Opportun sent me loan documents that contained electronic signatures that do not match my own. I did not consent to use electronic signatures, was never presented with these documents, and never signed them. This raises serious concerns of fraud and misrepresentation under the E-SIGN Act. 

In addition, I have already paid over {$2000.00} toward this loan. Despite those payments, Opportun continues to report a balance of over {$5000.00}, which suggests payments are not being properly applied to reduce principal. This appears to be a predatory debt-trap structure, in violation of federal and state lending laws. 

I am requesting that Opportun : Provide proof of my valid loan agreement, including a full audit trail of any alleged e-signature ; Provide the required TILA disclosures ; Provide a full payment accounting and amortization schedule ; Correct or remove this tradeline from all credit reports if they can not validate the account. 

Requested Resolution : Remove or correct the account from my credit reports, cease reporting unverifiable information, and provide complete loan documentation and payment records.

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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I am disputing Nordstrom Banks continued reporting of a charged-off account on my credit report. 
Nordstrom Bank no longer owns or services this account. In fact, XXXX XXXX XXXX acknowledged in their official CFPB response ( attached ) that they had placement of the account, but have now terminated all collection efforts and confirmed they will request deletion of their tradeline. 
Despite this, Nordstrom Bank continues to furnish a derogatory tradeline showing Charge-Off/ Transferred with a {$0.00} balance. While the balance is listed as {$0.00}, this reporting is incomplete and misleading under FCRA 607 ( b ) ( maximum possible accuracy ) because : Nordstrom transferred/sold the account and no longer has any ownership interest. 
Their reporting creates the false appearance that Nordstrom still has an active role in the account. 
The continued furnishing of a charge-off after transfer misrepresents the current status of the debt. 
Supporting Evidence : XXXX XXXX XXXX CFPB response dated XX/XX/year>, confirming they handled the account but closed it and will request deletion.

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: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Filed XXXX XXXX XXXX on XXXX. As of XX/XX/XXXX every single credit account of any type under my name, D.O.B., and social security number was never late and never any missed payments. My bankruptcy attorney XXXX XXXX for the XXXX District of Texas BK court as apart of her requirements she ordered my credit reports from all three bureaus XXXX XXXX XXXX XXXXXXXX XXXX. Not one single account was ever late or missed payments absolutely none. There were no Charge Offs absolutely none. However, on Sunday XX/XX/XXXX I received an alert from XXXX that the following : Credit change Company SYNCB/PAYPAL Balance {$0.00} Status Charge-off Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were no late payments up to the filing date of XXXX XXXX XXXX and the account was not XXXX Off status. I have credit reports directly from the 3 credit bureaus before filing, during filing, and after filing that proves SYNCB/PAYPAL has committed harm to myself via my credit reports after rebuilding my credit after the Ch. XXXX XXXX was discharged on XX/XX/XXXX. They knowingly and intentionally furnished fraudulent and false information to XXXX. I am currently waiting to see if they report to XXXX XXXX and XXXX any type of fraudulent and false 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 2025-09-10 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$170.00}

Company response to consumer: Closed with non-monetary relief