vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
We purchased a used vehicle in XX/XX/XXXX. We were signed up for financing. And we received our very first communication in XX/XX/XXXX just stating, Privacy Notice. 

We knew wed more than likely start paying on our auto loan XXXX. But we were waiting for our statement. Which never showed up!! 

Its now XX/XX/XXXX and I called XXXX XXXX XXXX who used this lender. And they gave me the phone number so I could pay the bill. 

It is after bank hours and so, I was able to pay. And Ill find out if they charged me any fees. The due date is tomorrow. 

BUTthe fact I never received a statement for our first payment is just wrong. 

Im grateful we had enough sense to look into this. But I saw online that they dont send statements sometimes. That just seems ridiculous. Send your brand new customers the first statement so they know who to pay and how to pay it! 

Im worried we have some fraudulent lender now and I shouldnt have to feel this way. Shame on Fifth Third Bank for acting this way and shame on XXXX for allowing this bank to even be used.especially with all the repetitive legal problems Fifth Third Bank has had in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: I.C. System, Inc.
State: GA

Complaint narrative:
I have no knowledge of these accounts. They have been disputed and remain unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: PA

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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.

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 2025-09-05 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:
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Summary of Complaint : My Robinhood account was locked after a fraudulent payment was received. Legal authorities requested documents from Robinhood as part of their investigation. Despite repeated requests from my attorney and the investigator, Robinhood has failed to provide the necessary documentation for several months.

Impact : Because of Robinhoods delay, I remain locked out of my account and am unable to access or manage my funds. This has caused ongoing financial harm.

Requested Action : I am requesting that regulators compel Robinhood to provide the requested documentation to the investigators so the matter can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Debt that doesn't belong to me on 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 2025-09-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was linked on Trans Union and I feel like with my information being linked. They need to clear this for my credit that was not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: DC

Complaint narrative:
TRANSUNION HAS ALLOWED THESE ACCOUNTS TO FALSELY REPORT ON MY CREDIT. I HAVE ATTACHED MY AFFIDAVIT OF DISPUTE, FTC REPORT, ID, PASSPORT, AND BILL FOR PROOF OF IDENTITY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
XXXX XXXX XXXXXXXX ( XX/XX/year> ) Date occurred : XX/XX/year> ; discovered : XX/XX/year>. Affected : Approximately XXXX XXXX XXXX individuals, with extremely sensitive data exposed ( names, dates of birth, Social Security numbers, addresses, emails, phone numbers, and even support ticket information ). Cause : The breach involved an unauthorized access via a third-party application linked to XXXX XXXX consumer support operationsreportedly part of a wave of Salesforce-related attacks tied to criminal groups like XXXX and XXXX. Impact : Credit files were not affected, but the exposure of SSNs and personal info heightened risks like identity theft, phishing, and fraud. To Whom It May Concern, I am writing to formally dispute the accuracy of information reported on my XXXX credit file. Specifically, I am disputing the Amex account Based on XXXX  report from XX/XX/year> Past due : {$2100.00} XXXX Chargeoff XXXX XXXX XXXX XXXX In light of the recent XXXX  XXXX breach disclosed in XX/XX/year>, which compromised the personal identifying information of over XXXX XXXX consumers, I have serious concerns about the integrity, reliability, and accuracy of the information being reported in my credit file. Since my sensitive personal data may have been exposed and subjected to unauthorized access, any tradeline or derogatory reporting must now be treated as potentially inaccurate, unverifiable, or the result of data compromise. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that XXXX  conduct a reinvestigation of this account. If the furnisher of this data ( XXXX ) can not provide verified documentation demonstrating the complete accuracy and lawful basis for this reporting, then this account must be corrected or deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: GA

Complaint narrative:
In late XX/XX/year>, I received both a credit card and debit card from Chime ( the financial technology company ) with my name on it. This card was sent to my home address, but I never signed up for these cards. Additionally, my credit has been frozen for the past year, so there is no way Chime would have been able to access my credit to approve me for this card. I called Chime to close the account, but they were of no use. They stated that they would not be able to help me without me providing them with my social security number and home address, among other things. This is despite me offering to provide them the account number that was detailed in the letter I received from Chime as well as the number on the credit and debit cards. To then see if there was a way around their system, I told the Chime employee that I do not have a social security number ( which is of course not true ), which is why I was concerned as to how these cards were opened. I was then put on hold by the Chime employee, who never returned to resume the call. The phone number that I had called was XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I submitted couple times dispute with TransUnion regarding inaccurate reporting on my XXXX XXXX  account XXXX XXXX. I provided supporting documentation that clearly demonstrates contradictory reporting the account has been reported as closed, charged off, and simultaneously enrolled in a repayment plan ( XXXX  ) without my acknowledgment or receipt of proper disclosures. 
XXXX XXXX has reported my account in contradictory and misleading ways. 

On XX/XX/year>, they notified me in writing that my account was closed and charged off. Yet less than a month later, they claimed I was enrolled in a XXXX XXXX XXXX XXXX XXXX XXXX beginning XX/XX/year>, with a letter dated XX/XX/year>, which I never received during the normal course of servicing. A closed and charged-off account can not simultaneously be active in a repayment program. ( See attachment Letter ).

This inconsistent reporting is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 623 ) and violates Metro 2 reporting standards. Additionally, placing me into a CAP program without providing proper disclosures of terms, payments, and effective dates raises concerns under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MI

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I sent LVNV Funding LLC/Resurgent Capital Services a written request for : ( XXXX ) the original contract bearing my signature; and ( XXXX ) the purchase/assignment documentation proving they own the debt and can legally collect. Their reply did not provide what I requested. I sent a second certified letter clearly defining each item. They responded with the same, still not proper documentation. I then sent a third certified letter demanding they remove the collection from my credit reports and noted that continued furnishing without proof is unlawful. They have not responded since. I want this collection deleted from all CRAs and a full chain-of-title with my signed contract, or cessation of reporting/collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Bureau, Inc.
State: FL

Complaint narrative:
Ive called to get verification on debt with no substantial paperwork i was forced to move which I did before the date they required clean because management wanted unit for there family member I clean out the unit before the move out date they required To patch hole in wall from tv mount doesnt cost XXXX and I wasnt given back my deposit of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: DISCOVER BANK
State: CO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. I even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: WI

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 2025-09-06 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: TX

Complaint narrative:
I was included in a data breach and was never informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
XXXX has been duplicately reporting my auto loan on my credit report for months under XXXX seperate company names. XXXX is reported under XXXX XXXX and XXXX is reported under XXXX XXXX  with the same account number. The accounts do not have matching closed dates. XXXX account states closed XXXX XXXX and XXXX states XX/XX/year>. The account was paid in full XX/XX/year>. I received the title. In addition to those FCRA violations on account reported today for XXXX with a late payment. There was clearly no way to be late in XXXX if it was paid in full in XXXX. Again, numerous FCRA violations. I called XXXX directly and was informed they are reporting accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute a fraudulent student loan account listed on my credit report. The account in question, XXXX federal loans is not mine and appears to be the result of identity theft or fraudulent activity. I have never applied for or authorized this student loan, and I request its immediate removal from my credit report. 

Details of the disputed account : It appears I owe money and have passed payments missed and it is not a loan I took. 


Lender : XXXX XXXX Date Reported : XXXX XXXX present I discovered this unauthorized account on XXXX XXXX  while reviewing my credit report. I have not received any funds from this loan, signed any related documents, or had any contact with the lender regarding this account. This appears to be a case of identity theft, and I am taking steps to address this. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter promptly and remove the fraudulent account from my credit report. Please provide written confirmation of the investigation results and any actions taken to correct my credit file. 



A copy of my credit report highlighting the disputed account Please contact me at XXXX, if you need additional information to complete this investigation. I expect this matter to be resolved within the XXXX period required by the FCRA. Thank you for your prompt attention to this urgent matter. 

Sincerely, 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