vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-19 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: FL

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 explanation
Consumer complaint received 2025-11-19 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: DE

Complaint narrative:
I am extremely upset to see that unauthorized inquiries are still appearing on my credit report today, and I honestly can not understand why. Even after refreshing my browser, the unauthorized inquiry did not disappear, so I urgently need the documents I submitted to be reviewed properly so I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : AFFIRM INC - XXXX XXXX XXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had deposited a check in my Bank of America account made out to my company and me in XX/XX/year> in XXXX my girlfriend accidentally thought the check was hers and deposited in her Bank of America account we notified the bank the next day they closed her account for third party deposits and took the {$2300.00} out of my account and sent her a check for XXXX. And told me to get from her problem is we broke up and Im out XXXX dollars and I didnt deposit a duplicate she did and they stole my money they sent her a XXXX Dollar check and I never for a XXXX because we are not together she actually had me arrested so I couldnt wait for the check so Im filing a complaint against the bank before I go to the public that Bank of America steals money

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this 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 2025-11-19 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:
Dear Sir/Madam, I am disputing the following accounts that are inaccurately reported on my TransUnion credit report. I kindly request an investigation to resolve these inaccuracies, as they appear to be erroneous or incomplete. 

XXXX XXXX Accounts XXXX XXXX - Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$2700.00} XXXX XXXX - Account XXXX. XXXX, Date : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX XXXX - Account No. XXXX, Date : XX/XX/XXXX, XXXX : {$12000.00} XXXX XXXX - Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$4100.00} XXXX XXXX - Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$1400.00} XXXX - Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$1500.00} XXXX XXXX - Account XXXX. XXXX, Date : XX/XX/XXXX, XXXX : {$4600.00} XXXX - Account XXXX. XXXX, Date : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX Positive Accounts None reported. 

Late Payments XXXX - Account XXXX. XXXX XXXX - XXXX accounts ( Account 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 non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting inaccurate and contradictory information about my auto loan to the credit bureaus, which is significantly harming my credit profile. 

I obtained an auto loan through XXXX XXXX in XX/XX/XXXX at a high interest rate. I always planned to refinance to avoid paying excessive interest. In XX/XX/XXXX, I was approved by another lender for a much lower rate. I immediately accepted the offer and began the refinancing process. 

My new lender issued the full payoff check promptly and mailed it to XXXX XXXX. During the process, I stayed in contact with representatives from both lenders to confirm when the payment was received and posted. After approximately XXXX weeks, XXXX XXXX confirmed that the payoff check had arrived and had been applied to my account. The payment exceeded the payoff amount, meaning XXXX XXXX actually owes me a refund for the overpayment. This is reflected in my most recent Statement of Account. 

Despite the loan being paid in full, XXXX XXXX began reporting a derogatory remark on my credit report the following month, stating that my account was settled for less than full balance. This is completely false. At no point was the account settled for less than owed. 

Adding to the inaccuracy, the account is contradicting itself on my credit report. Alongside the false remark stating settled for less than full balance, the account is also being reported as : Pays as agreed Account closed XXXX balance These statements directly contradict the claim that the account was settled for less than the full amount. All available information clearly supports that the loan was paid in full, and XXXX XXXX still owes me the overpayment refund. 

I have disputed this issue with all three credit bureaus. Only XXXX  has corrected the error so far. XXXX  and TransUnion continue to report the false derogatory remark, which is damaging my credit score and adversely affecting the credit offers I receive. This is especially concerning as I am preparing to purchase a home, and this inaccurate reporting is jeopardizing my ability to secure favorable loan terms. 

I respectfully request the CFPBs assistance in ensuring that XXXX XXXX corrects all inaccurate and contradictory reporting and updates all credit bureaus to accurately reflect the true status of my loan : paid in full, with a refund due back to me. 

Thank you for your time and assistance.

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 2025-11-19 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: DISCOVER BANK
State: TX

Complaint narrative:
I am filing a complaint because of creditor Discover card with account XXXX is reporting as charge off in my credit report. This is fraud transaction and I am kindly requesting you to please delete this from my report under FRCA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: MOHELA
State: TX

Complaint narrative:
For XXXX, Account XXXX. XXXX, I am factually disputing this account due to multiple inconsistent and inaccurate data points across all three credit bureaus. First, the account number, date last verified, date of last activity, date reported, and even the date opened are not the same on each bureau, which is already a XXXX XXXX and FCRA accuracy issue. For XXXX, you show payments unavailable from XX/XX/XXXX through XX/XX/XXXX, then paid on time from XX/XX/XXXX all the way through XX/XX/XXXX, then suddenly a 90-day late in XX/XX/XXXX, and back to paid on time for XXXX and XX/XX/XXXX. For XXXX, you show nothing at all from XX/XX/XXXX through XX/XX/XXXX, then you hit me with a 90-day late for XX/XX/XXXX, another 90-day late for XX/XX/XXXX, and another 90-day late for XX/XX/XXXX with no supporting history leading up to it. For XXXX, you show payments unavailable from XX/XX/XXXX through XX/XX/XXXX, then paid on time from XX/XX/XXXX through XX/XX/XXXX, then a 90-day late for XX/XX/XXXX, and then paid on time again for XX/XX/XXXX. There is no way this is accurate or consistentthis same loan can not be 90 days late and paid on time at the same time across different bureaus and months. This is a clear FCRA and XXXX XXXX violation. I am demanding that all inaccurate late payments for this account be removed immediately and the account either be corrected across all three bureaus to reflect accurate history or deleted entirely if MOHELA can not provide proper, consistent verification.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-11-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-19 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Help my rights are being violated, 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt-including a signed agreement, full account history, and verification of your authority to collect-you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
The monthly mortgage payment reported to XXXX  is incorrect. Can you please update the XXXX reporting so the correct payment appears?

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 2025-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
am submitting this follow-up because BOTH Experian and XXXX  have taken actions that violate the FCRA and appear to be attempts to evade proper investigation. 

XXXX. Experian placed a fraud alert on my credit file WITHOUT my consent and WITHOUT any request from me. 
I NEVER requested this alert. Experian unilaterally added it immediately after my CFPB complaint. 
This is an UNAUTHORIZED alteration of my credit file and an abuse of the fraud alert system as a defense tactic to make the issue appear as consumer fraud instead of a reporting failure on their part. 
Under FCRA 605A, a fraud alert CAN NOT be added unless the CONSUMER requests it. Experian violated this requirement. 

XXXX. XXXX admitted they verified the information through a third-party source instead of the actual furnisher. 
This is a blatant FCRA violation. 
Verification MUST come from the original furnisher not XXXX, XXXX, an automated database, or any third-party data vendor. 
By XXXX own admission, they did NOT verify anything with the original creditor. 
This means the information is UNVERIFIED and MUST be deleted under FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX use of a third-party verification source is not only improper, it is deceptive. 

Both of these actions show clear noncompliance and an attempt to avoid a legitimate investigation triggered by my CFPB complaint. 

I am requesting the CFPB to take enforcement action and require : Immediate removal of the unauthorized fraud alert Experian placed without my permission Immediate deletion of ALL information Equifax claimed to verify using a third-party source Written confirmation from BOTH bureaus showing the name of the ACTUAL furnisher used for verification Full compliance with FCRA investigation requirements not shortcuts, automated systems, or unverified data brokers I am formally stating that Experian and Equifax did NOT conduct a lawful investigation. 
They altered my file and used improper third-party data to avoid accountability

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