vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), my rights have been violated. Section 602 of 15 USC 1681 gives me the right to privacy, and Section 604 ( a ) ( 2 ) states that no one can access or share my account information without my written consent.

Also, according to 15 USC 1666b, a creditor can not report a payment as late on an open-ended credit account.

Because of this, Im requesting that the reported late payment be corrected to PAANL ( Paid As Agreed, Never Late ), and that the payment history be updated to show OK.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint to accordance with the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ), I am asserting my rights regarding the permissible use of my consumer report.

If your company or agency has accessed my consumer report without a legally permissible purpose under FCRA 604 ( a ), or has failed to comply with the certification requirements of 1681e, then such access may constitute a violation of federal lawXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$190.00}. 
XXXX XXXXXX/XX/year>

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 2025-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>XXXX  around XXXX I went in to my local Home Depot to try and open a credit account. I put my personal information in the key pad as directed and was told that another credit account was already made with a different name but with my social security. The store member helping maybe figured I mistyped a number, so she came around the counter and redid the process to assure everything was correct. Once again the name and address of someone else popped up but with my social security number. She told me to give Citbank a call using the number in the brochure, but wasn't getting anywhere as there isn't an option to speak directly with an agent. I have further reached out to my local police department and after making a report, I was advised to keep on contacting Citibank.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Volvo Car Financial Services U.S., LLC
State: IA

Complaint narrative:
I returned my XXXX Volvo lease to XXXX XXXX XXXX Illinois in XX/XX/XXXX. A dealership representative told me via text that I did not need to make the final lease payment, as they would handle the balance with Volvo Car Financial Services ( VCFS ). Acting in good faith, I removed auto-pay and did not make the final payment, trusting the dealerships instructions. 

VCFS later reported the account as late and charged off, which resulted in a XXXX drop in my credit score. As soon as I learned this, I paid the full balance of {$1000.00} to VCFS. To acknowledge their role, the dealership reimbursed me the same amount as a goodwill gesture. 

I previously had a perfect payment record on this account. This charge-off resulted from misinformation by the dealership and does not reflect my payment behavior or intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hereby formally notify you that I have been a victim of identity theft. Unauthorized parties have unlawfully obtained and used my personal information to open accounts and conduct transactions without my knowledge or consent.

I categorically deny any responsibility for the fraudulent accounts and charges associated with my name. Upon discovering this matter, I promptly reported the incident to the Federal Trade Commission ( FTC ) via IdentityTheft.gov.

I respectfully request a thorough investigation into the disputed accounts and charges, and I urge you to remove any fraudulent information from my credit report and related records forthwith.

Should you require any further documentation or clarification to facilitate your investigation, please do not hesitate to contact me at XXXX or XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have called XXXX times. I paid a balance of {$30.00} on XXXX. I was told at my last call I could cancel on XX/XX/year>. Charges are continuing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft and have discovered unauthorized accounts and inquiries on my credit report. These items are inaccurate and do not belong to me. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you remove the fraudulent information from my credit file. Enclosed are a list of the disputed items and my FTC Identity Theft Report. 

Please investigate and confirm in writing once the corrections have been made.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-23 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: IL

Complaint narrative:
I did not authorize this inquiry and have had no communication with the lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information was involved in a data breach, and as a result, unauthorized accounts have been added to my credit report. I did not open these accounts, and I am the victim of identity theft.

According to the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, I have the right to request the removal of fraudulent information resulting from identity theft. Once proper documentation is submitted, credit reporting agencies are required to block the information within 4 business days of receiving the request.

Despite this, the accounts have not been removed within the legally required 4-day timeframe, and they continue to harm my credit profile and cause distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On approximately XX/XX/XXXX  I made a {$29000.00} credit card payment to Bank of America online. When I checked the next day online, it said there were no pending payments. I then called Bank of America and was told by an associate there were no pending payments. For that reason I had the associate do the payment. On XX/XX/XXXX, my bank account online reflected two pending payments for {$29000.00}. I immediately contacted an associate and was told they could not stop the two payments. Supposedly an expedited refund was set up and I was supposed to get my money in 1-3 days, instead of normal up to 10 business days.On Friday I called and was told the same thing. On XX/XX/XXXX, when I called 2 associates told me my refund could take up to 2 billing cycles. I was told refunds are handled by the system, that they could not access the system to find out the situation and there were no humans that could be contacted about what the system is doing. Even though they were at fault, I was told I could not get any compensation for my time and trouble, including my having to take money out of an investment account to cover their mistake. I was also told I would get no interest on the time they tied up my money even though I have to pay them interest on money I owe them. I want my money and something more than we are sorry.

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 monetary relief
Consumer complaint received 2025-07-23 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:
* * CFPB Complaint - Credit Bureau FCRA Non-Compliance * * * * EXECUTIVE SUMMARY : * * TransUnion, Experian, and Equifax demonstrate systematic failure to maintain accurate consumer data in direct violation of 15 U.S.C. 1681e ( b ).

* * CRITICAL VIOLATIONS : * * - Account opening dates : 26-day variance across bureaus - High credit limits : {$300.00} discrepancy between reports - Credit limits : Complete data omission on Equifax ( {$0.00} vs {$500.00} ) - Account activity dates : 73-day variance across identical accounts - Payment history : Incomplete data sets creating false narratives * * REINVESTIGATION FAILURES : * * Despite multiple dispute cycles, bureaus maintain contradictory data while claiming " disputes resolved. '' This constitutes willful non-compliance with 1681i accuracy standards.

* * BUSINESS IMPACT : * * These inconsistencies directly impact credit scoring algorithms, creating artificial score suppression and false utilization calculations that affect lending decisions.

* * IMMEDIATE ACTION REQUIRED : * * The bureaus must immediately verify this account information through independent source documentation or remove the tradeline entirely. Their current reporting demonstrates they lack sufficient verification procedures to legally maintain this data.

* * LEGAL BASIS : * * Continued reporting of unverifiable, contradictory information violates federal accuracy standards and constitutes negligent consumer reporting practices.

* * DEMAND : * * Immediate verification through primary source documentation within 30 days, or complete removal of this unverifiable tradeline from all credit files.

* * COMPLIANCE DEADLINE : * * 30 days from receipt.

I have demanded verification on multiple occasions and have been ignored

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am requesting an investigation into the unauthorized inquiries on my credit report in accordance with Section 605B of the Fair Credit Reporting Act. Please help me investigate the fraudulent accounts from my file. Please remove the following inquiries completely from my Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-07-23 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the information reflected in my credit file. The file contains multiple inaccuracies, including names, addresses, and accounts that do not belong to me. These entries are clearly the result of identity theft and were fraudulently established while I was still a minor.

This situation is deeply distressing, especially as I am at the very beginning of my financial journey. Upon legal consultation, I have been advised to invoke my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must permanently block information resulting from identity theft once properly notified :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the information reflected in my credit file. The file contains multiple inaccuracies, including names, addresses, and accounts that do not belong to me. These entries are clearly the result of identity theft and were fraudulently established while I was still a minor.

This situation is deeply distressing, especially as I am at the very beginning of my financial journey. Upon legal consultation, I have been advised to invoke my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must permanently block information resulting from identity theft once properly notified :

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>

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