vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my nights .

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!

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and unverifiable information currently reflected on my credit file, which I dispute under the Fair Credit Reporting Act, including the charge-off account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$0.00} and the collection account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$540.00}, both of which I dispute for accuracy and completeness, as these accounts are inaccurate, incomplete, or unverifiable and negatively affect my credit profile ; additionally, multiple hard inquiries appear on my account without my proper authorization or verification, including XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, all of which I dispute and request proper verification, documentation , and removal if unverifiable to ensure the accuracy and integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and unverifiable information currently reflected on my credit file, which I dispute under the Fair Credit Reporting Act, including the charge-off account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$0.00} and the collection account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$540.00}, both of which I dispute for accuracy and completeness, as these accounts are inaccurate, incomplete, or unverifiable and negatively affect my credit profile ; additionally, multiple hard inquiries appear on my account without my proper authorization or verification, including XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, all of which I dispute and request proper verification, documentation , and removal if unverifiable to ensure the accuracy and integrity of my credit profile.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am contacting you to dispute a credit report entry that I believe is the result of unauthorized activity. I did not consent to any such account, and its presence on my report is both inaccurate and concerning. I request a comprehensive investigation into this matter and the immediate removal of this fraudulent information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 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 explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and unverifiable information currently reported on my credit file, which I dispute under the Fair Credit Reporting Act ( FCRA 607, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807, 808, 809 ). The late closed accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$290.00} reported late 90 days, XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, may not accurately reflect my account history. The charge-off account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  is reported with a balance of {$430.00}, and I dispute the validity and accuracy of this reporting. Additionally, multiple inquiries appear without my proper authorization, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX NA XX/XX/XXXX. Inaccurate addresses are also included, such as XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX As a fair solution, I request that all disputed accounts, inquiries, and addresses be fully verified and corrected to ensure my credit file is accurate, complete, and not misleading, reflecting only correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and unverifiable information currently reported on my credit file, which I dispute under the Fair Credit Reporting Act ( FCRA 607, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807, 808, 809 ). The late closed accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$290.00} reported late 90 days, XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, may not accurately reflect my account history. The charge-off account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  is reported with a balance of {$430.00}, and I dispute the validity and accuracy of this reporting. Additionally, multiple inquiries appear without my proper authorization, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX NA XX/XX/XXXX. Inaccurate addresses are also included, such as XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX As a fair solution, I request that all disputed accounts, inquiries, and addresses be fully verified and corrected to ensure my credit file is accurate, complete, and not misleading, reflecting only correct 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 non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: OK

Complaint narrative:
I am filing this complaint against XXXX XXXX ( Comerica Bank ) for a violation of Regulation E regarding an unauthorized ATM withdrawal. I filed a dispute ( Service Request # XXXX ), which was denied. The bank claimed the transaction was 'authorized ' because a PIN was used. 
However, I have provided the bank with official jail records proving I was physically XXXX  and in XXXX  at [ XXXXXXXX XXXX XXXXXXXX ] at the exact time of the transaction. It was physically impossible for me to have performed or authorized this ATM withdrawal. The bank has failed to conduct a 'reasonable investigation ' by ignoring this conclusive evidence. I am requesting a full reversal of the unauthorized charges. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I vacated my apartment at the end of my lease on XX/XX/year>. All rent and utilities were paid in full through the lease end date. 

The property acknowledged receipt of my move-out notice on XX/XX/year>. My final account statement shows no unpaid rent balance at move-out. However, the property assessed an insufficient notice administrative penalty and referred this disputed fee to XXXX XXXX XXXX. 

XXXX is reporting this administrative penalty as a collection account on my credit report, treating it as a delinquent debt. I disputed this with Experian and provided documentation showing that the balance is not unpaid rent but a disputed fee. Despite this, the collection account was verified without proper validation of whether the amount qualifies as a legally reportable debt. 

As a result, inaccurate information is being reported on my credit file, negatively impacting my credit history.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

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 explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Subject : Inaccurate " Charge Off '' Status - Being reported by Santander Bank to all Credit Bureaus Concerning : My personal Vehicle Destroyed in FEMA Disaster DR-4827-NC Complaint : I am a 100 % XXXX Veteran and survivor of Hurricane Helene. 

On XX/XX/XXXX while impounded at a secondary tow storage lot, for over-flow vehicles, in XXXX, NC, the vehicle was flooded, picked up by rising water, and thrown into a tree head-on. 

The vehicle associated with this account, a XXXX XXXX XXXX XXXX, was a total loss due to catastrophic flooding while in the custody of a tow facility during the hurricane. 

The Error : The Lender is currently reporting this account as a standard " Charge Off. '' This is materially false and damaging. A " Charge Off '' indicates a consumer 's willful refusal to pay. In reality, I continued to pay for several months on time and in full, even with the vehicle being a total loss, until it was clear I would not be approved by FEMA or insurance for any kind of assistance. 
I also called the company and offered to pay them back in installments at an agreed lower settlement offer of {$8000.00}. The agent refused, because they stated I could not make payments, but had to pay the entire {$8000.00} within 14 days. I obviously couldn't do that. 

The collateral was destroyed in a Federally Declared Disaster ( FEMA Declaration DR-4827-NC ). 

While the insurance claim was complicated and denied by the vehicle 's location at a tow facility, the fact remains that the asset was lost in a natural disaster. Reporting this as a standard credit default violates the accuracy requirements of the FCRA and fails to utilize the required " Affected by Natural Disaster '' remarks code ( AW ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am contacting you to dispute a credit report entry that I believe is the result of unauthorized activity. I did not consent to any such account, and its presence on my report is both inaccurate and concerning. I request a comprehensive investigation into this matter and the immediate removal of this fraudulent information from my credit 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am contacting you to dispute a credit report entry that I believe is the result of unauthorized activity. I did not consent to any such account, and its presence on my report is both inaccurate and concerning. I request a comprehensive investigation into this matter and the immediate removal of this fraudulent information from my credit 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 non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
A debt collector has bought an account I had in collection. The information reflected in my XXXX, XXXX and XXXX  credit reports, does not match and has many inaccuracies. I have repeatedly ask for verification of the debt and explained that the information in all 3 credit reports, was inaccurate and requested it be repaired or removed. Dates, etc. are enclosed in my supporting documents. 
As of this day ( XX/XX/2025 ), nothing has been repaired or removed. I believe this issue has caused me to be denied credit I have applied for as it damages my credibility and credit worthiness. The debt collector at issue ( specifically ) is Resurgent Receivables.

Company response to consumer: Closed with explanation