vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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:
Multiple inaccurate, unverified, and unsupported accounts are being reported on my credit profile. I have already disputed these items directly with the credit bureaus, but they continued to publish the same information without providing any proof or validation.

I have not received any original signed contracts, any lawful documentation proving ownership, or any verifiable evidence that these accounts belong to me. The bureaus have continued to report these items even after being notified that they are inaccurate and unverified. This has caused financial harm, credit score damage, and negative impact to my consumer standing.

I am submitting this CFPB complaint because the bureaus have failed to correct or remove these unverifiable items after my disputes, and these items should be removed since they can not be validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
Multiple inaccurate, unverified, and unsupported accounts are being reported on my credit profile. I have already disputed these items directly with the credit bureaus, but they continued to publish the same information without providing any proof or validation.

I have not received any original signed contracts, any lawful documentation proving ownership, or any verifiable evidence that these accounts belong to me. The bureaus have continued to report these items even after being notified that they are inaccurate and unverified. This has caused financial harm, credit score damage, and negative impact to my consumer standing.

I am submitting this CFPB complaint because the bureaus have failed to correct or remove these unverifiable items after my disputes, and these items should be removed since they can not be validated.

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 2025-11-07 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 have no link to these accounts ; they must be removed within XXXX  days in compliance with USC 1681g.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington placed a 7-day hold on an {$850.00} check even though my account has been open since XXXX. They refused a partial release or clear reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
Guarantee fulfillment of legal obligations for removing disputed accounts.

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 2025-11-07 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
Ensure disputed accounts are cleared within mandated legal timeframes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
XX/XX/XXXX, buyer and co buyer ( me ) entered a retail installment contract with XXXX to purchase a XXXX XXXX XXXX. This was financed by Exeter Finance LLC for a XXXX-month period. XX/XX/XXXX, Exeter granted a two-month payment extension based on a request from the buyer. Exeter granted the extension without consent from co buyer. When questioned, Exeter said in XXXX XXXX they only needed XXXX person to sign the request, not both. XX/XX/XXXX, Exeter granted another two-month payment extension based on a request from the buyer. Exeter granted the extension without consent from co buyer. Again, Exeter said they only needed XXXX person to sign in XXXX XXXX. Exeter has added XXXX  months of payments to the loan at the end of the loan period without consent of the co buyer. How can they continue to add payments and interest to the loan without co buyer approval? They have changed the repayment schedule without consent of co buyer. These actions add interest and make it more difficult to payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: WI

Complaint narrative:
I am submitting this dispute with Experian regarding the following accounts, as I believe the information reported is inaccurate. I respectfully request that these items be investigated and, if they can not be verified, removed from my credit report. 

US DEPT ED Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1200.00} US DEPT ED Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1900.00}

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the accuracy and completeness of a collection account that appears on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( CRA ), 15 U.S.C. 1681i, to request a reasonable reinvestigation of this information. This account is either inaccurate, incomplete, or unverifiable, and should be removed if the data furnisher is unable to provide full verification.

I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : ACCOUNT 's XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy This is a violation of my consumer rights, please delete immediately This account was reported to the credit bureaus without my prior knowledge or consent, and I never received any communication or documentation regarding this alleged debt from the collector. As such, I question its accuracy, origin, and legitimacy.

Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Verification Requirements : To reasonably verify this account, the data furnisher must be able to substantiate and

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Comply strictly with legal deadlines for the deletion of disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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 submitting this complaint regarding the following disputed accounts listed on my credit report. I request that you thoroughly investigate the accuracy of the entries and ensure they are in compliance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I request that it be removed from my credit report. 

CHARGED OFF XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} INQUIRIES ( No inquiries listed for Experian in this case. ) LATE PAYMENT XXXX XXXX Account Number : 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 2025-11-07 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-07 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: IL

Complaint narrative:
I am a consumer seeking to correct inaccuracies on my credit report. After reviewing my Experian credit report, I have noticed an inquiry that I do not recognize. Below is the inquiry in question : XXXX  CARD Date of Inquiry : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am following up on a prior inquiry regarding a system-generated transaction dated XX/XX/year>, in the amount of {$71000.00}, from a closed account ending in XXXX ( screenshot attached ). This transaction reduced my account balance to {$0.00}. I did not initiate, authorize, or have prior knowledge of this transaction, nor have I ever conducted a transaction of this size through this savings account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Uphold the laws deadlines in the removal of disputed accounts.

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 2025-11-07 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 have a XXXX XXXXXXXX XXXX account on my credit report that I reported as fraudulent to all three credit bureaus. I have yet to receive a response or an update on the information that I ask them to provide regarding this account. I reached out to XXXX XXXXXXXX and the my could not tell me anything about a XXXX credit card. I reported this account several months ago when I first saw it on my report and all three credit bureaus failed to do a proper investigation. I unequivocally state that I have never applied for, opened, or authorized this XXXX XXXX account. Furthermore, I have no record or recollection of any correspondence or activity related to this account. Upon discovering this entry, I contacted XXXX XXXX directly to inquire about this account. Despite my efforts, XXXX XXXX was unable to provide me with any information regarding this account, further confirming my lack of association with it.The presence of this unauthorized account, particularly with XXXX reported late payments, is inaccurately and negatively impacting my creditworthiness. This situation strongly suggests potential identity theft or an error in reporting. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into this matter. I demand that you : Immediately remove this unauthorized XXXX XXXX account from my credit report. 
Provide me with documentation verifying the existence and legitimacy of this account, including the original application and any other supporting evidence, if you contend it is valid. 
Furnish me with the name and address of the original creditor and any other relevant parties involved in the reporting of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have asked numerous times for Bank of America to stop putting a hold on my credit card when I'm trying to pay my bills! They claim it's an automatic system and they can not adjust it! This has been going on for a good 3 years now and it's ridiculous! A little over a month ago somebody charged my Debit Card and my husband 's XXXX XXXX XXXX XXXX on numerous purchases and not once to Bank of America contact us! I found it when I looked up my account and contacted them and had New Debit Cards issued!

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 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
I opened a line of credit with National Bank of Arizona for my new business, but with me as the sole personal guarantor. I signed loan documents on XX/XX/XXXX and have struggled to recieve a copy of those documents. I asked the bank multiple times, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for these documents and they kept saying they would provide them, but have not. My account also wasn't set up correctly, with there being additional fees for paper statements that I was charged when I specifically said I didn't want paper statements. Also, when signing the documents, I was told that there was a prepayment penalty for the loan, when I had previously been told that there was no prepayment penalty. I brought that up to the person I signed with and he stated " oh there isn't, if you give us notice ''. The whole experience feels very bait and switch, which I don't appreciate. It also seems the bank is being extremely shady if they can't provide documentation that I signed so I have it for my records and know exactly everything that I agreed to.

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 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
I've tried to remove all my debt collectors being so I didn't do most of them and they were wrong or misleading information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
Maintain lawful timing in the processing of disputed account removals.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief