vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IN

Complaint narrative:
I noticed inaccurate and inconsistent reporting on my credit report related to my Discover Card account ending in XXXX. Specifically, XXXX  is reporting a 30-day late payment for XX/XX/year>, while XXXX  and XXXX  both report the account as current and in good standing. 

This means one bureau is reporting me as delinquent, while the others are not. Additionally, XXXX  own report shows the same account as both in good standing and 30 days past due for the same month ( XX/XX/year> ), which is factually impossible and misleading. 

I disputed the error with XXXX  in writing, requesting verification or removal of the inaccurate reporting. More than 30 days have passed and the incorrect information remains. No sufficient documentation was provided to support the late payment. 

This inconsistency is negatively impacting my credit and violates the Fair Credit Reporting Act ( FCRA ). Under federal law, credit bureaus must report only accurate and verifiable information. I am now escalating this matter for formal review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX  XXXX Account number XXXX Accounts Name : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
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 an 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 2025-07-24 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:
b'I sent a certified letter to Equifax on XXXX with tracking #XXXX XXXX XXXX XXXX XXXX XXXX   it shows the delivery date of XXXX at XXXX XXXX  in XXXX, GA . The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX - $XXXX  (account # XXXXXXXXEquifax failed to respond. I sent another letter on XXXX which they failed to respond once again.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-24 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mnet Financial Inc
State: TX

Complaint narrative:
I have been getting nonstop calls, texts, and mail from a www.mnetfinancial.com debt collector for the last six months starting late XXXX, when no debt is due or has already been paid off from the original bill associated with another company. They have given me an account number which doesn't match up with an existing account at all. When I go to their website to log in the account number they have given me, says account doesn't exist, which is true. I've never spoken or had an account with this company in my life. Here are the phone numbers they have been calling me on. XXXX, XXXX, XXXX, XXXX. Dates of these calls and texts range for XX/XX/XXXX, to today XX/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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
HSBC is holding my money up. I was charged XXXX from XXXX XXXX, due to an error at check in. This was in XX/XX/2025! Hotel was overseas and agreed to handle to issue. Over a month went by without correction so I filed a dispute with HSBC in XXXX of XXXX. They closed my account and issued a provisional credit in XX/XX/2025! The merchant had 30 days to respond from XX/XX/XXXX. Its now XX/XX/XXXX, and my check for my credit has STILL not been released. Every time I call, they say the merchant has 30 more days. Its been almost 6 MONTHS! They keep lying If you have any questions or saying the check is being processed and then going back and adding time. This bank is stealing my funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Statement of Events & Evidence Summary Date : XX/XX/XXXX Name : XXXX XXXX Loan Holder : PNC Bank Vehicle : XXXX XXXX XXXX ( XXXX : XXXX ) Dealership : XXXX XXXX, XXXX, IL Summary of Events : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, Illinois. Immediately after taking possession of the vehicle, I discovered it was not in working condition. Less than 30 minutes later, I was forced to take out an additional auto loan through PNC Bank for the same vehicle, under distress and without full understanding of the financial implications. This resulted in me being double-financed for the same defective vehicle. 

Additionally, the dealership fraudulently listed a trade-in allowance of {$18000.00} on the purchase paperwork, even though I never traded in a vehicle. This false trade-in inflated the contract value and contributed to an excessive loan amount of {$34000.00}. The dealership also signed documents on my behalf, including an Illinois Power of Attorney, without proper explanation. 

Request for Resolution : I respectfully request the following resolution : - That I be fully cleared of the current auto loan through PNC Bank. 
- That the loan account be removed from my credit report. 
- That I be refunded for the amount I overpaid toward this fraudulent transaction ( over {$31000.00} ). 
- That this case be investigated for deceptive lending and misrepresentation. 

Attached Supporting Documents : - Purchase contract showing false trade-in value - Power of Attorney form related to vehicle title - Loan balance screenshot from XXXX XXXX - Vehicle details and loan terms summary Thank you for your attention to this matter. I am prepared to cooperate with any investigation. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
To Whom It May Concern, I am writing to formally dispute and request the immediate removal of four items currently listed on my TransUnion credit report.. I have been a victim of a recent data security breach, and I am attaching proof of breach, along with a copy of my FTC Identity Theft Report filed on this matter.

The following accounts should be blocked and permanently removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, which requires consumer reporting agencies to block information within 4 business days of receiving proper documentation : Accounts to Be Blocked : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account ending in XXXX {$270000.00} XXXX XXXX XXXX XXXX Account ending in XXXX {$1900.00} XXXX XXXX XXXX XXXX Account ending in XXXX {$27000.00} XXXX XXXX XXXX XXXX Account ending in XXXX {$21000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
To Whom It May Concern, I am writing to formally dispute and request the immediate removal of four items currently listed on my TransUnion credit report.. I have been a victim of a recent data security breach, and I am attaching proof of breach, along with a copy of my FTC Identity Theft Report filed on this matter.

The following accounts should be blocked and permanently removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, which requires consumer reporting agencies to block information within 4 business days of receiving proper documentation : Accounts to Be Blocked : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account ending in XXXX {$270000.00} XXXX XXXX XXXX XXXX Account ending in XXXX {$1900.00} XXXX XXXX XXXX XXXX Account ending in XXXX {$27000.00} XXXX XXXX XXXX XXXX Account ending in XXXX {$21000.00}

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 2025-07-24 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 dispute an account on my credit report that I did not open. This account is fraudulent and does not reflect any financial relationship or transaction I have engaged in.

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 2025-07-24 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: AZ

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I applied for a {$1000.00} credit line through Concora Credit for a furniture purchase at XXXX XXXX. Less than XXXX weeks later, my credit report shows that I am over the limit. I only charged exactly {$1000.00} the approved amount. The over-limit status was caused by an interest charge or fee that was added to my account before I ever received a bill or was given a chance to pay. This immediate interest charge was not disclosed clearly and resulted in a negative mark on my credit that I believe is unfair and misleading. 
I have contacted Concora requesting they remove the fee and update their reporting. If they do not act, I am requesting the CFPB assist in having this matter corrected and my credit report restored. I can provide further documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-24 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief