vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I am writing to formally request the immediate and permanent removal of an inaccurately reported account from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Please refer to the details of the disputed accounts below : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX  Date of Initial Deletion : XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX Date of Initial Deletion : XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX Date of Initial Deletion : XX/XX/year> 1. Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX Date of Initial Deletion : XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX  Date of Initial Deletion : XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX  Date of Initial Deletion : XX/XX/year> This account was previously disputed and duly removed from my credit report on the aforementioned date, following your verification process which confirmed its inaccuracy. However, I was alarmed to find that this account has been reinserted into my credit report without any new evidence or verification that would justify this action.

The FCRA requires that all consumer reporting agencies maintain accurate and complete records in consumer reports. Under Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s2 ), if an item is deleted due to inaccuracy or unverifiability, it must not be reinserted without notifying the consumer within five business days and ensuring that new, complete, and accurate data verifies the disputed item.

Given that no such verification has occurred, and no prior notification of this reinsertion was provided, this action is in violation of my rights under the FCRA. As such, I request the following : 1. Immediate blocking and permanent deletion of the aforementioned account from my credit file.

2. Written confirmation of this deletion and assurance that this account will not reappear on future credit reports.

3. A review and correction of any related inaccuracies that may affect other aspects of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because one or more accounts on my credit reports are being reported with material inaccuracies and inconsistencies across the three major credit reporting agencies. The main account ( s ) in dispute are : Account Name : XXXX, Account Number : XXXX After carefully reviewing my credit reports from all three bureaus, I identified clear discrepancies in how this account is being reported ( balance, dates, status, payment history, and/or other critical fields ). The information is not the same across all three reports and, in some cases, appears incomplete or conflicting. I have attached copies highlighting these differences. 
As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to a report that is accurate, complete, and verifiable. Sections 607 ( b ) and 611 ( a ) ( 15 U.S.C. 1681e ( b ) and 1681i ) require the credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy and to conduct a meaningful reinvestigation when I dispute an item. Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting information they know or should know is inaccurate. 
I have already disputed this account directly with the credit bureau and provided documentation showing the inconsistencies. However, the bureau appears to have relied on automated verification rather than obtaining and reviewing the original, underlying documentation from the furnisher. The reporting remains inconsistent and, in my view, not fully verified as required by law. 
Because of this, my credit file does not reflect a fair and accurate picture of my credit history. This can affect my ability to obtain credit on fair terms, may increase my cost of borrowing, and creates unnecessary risk and confusion for any lender who reviews my 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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I am submitting a complaint because XXXX XXXX XXXX XXXX Bank is reporting inaccurate information on my credit report. 

The account shows severe late payments even though the debt was discharged in bankruptcy and/or sold to another company. The company continues to report it as delinquent without providing verification. 

I sent a certified cease & desist letter, a formal credit dispute, and a debt validation request. They have not provided any documentation proving ownership or accuracy. 

I am requesting that the CFPB require the company to either fully validate the debt with contracts and payment records or remove the account entirely from all credit bureaus. 

I have attached a PDF packet containing my dispute letters and supporting information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: VA

Complaint narrative:
I am reporting multiple inaccurate and potentially fraudulent items on my credit reports, which I have disputed several times with XXXX, Experian, and TransUnion beginning around XX/XX/XXXX with the most recent disputes on XX/XX/XXXX. Despite providing documentation, these items remain unresolved. The disputed items include : collection accounts that I do not recognize or believe to be valid 1 charged-off account with questionable reporting and no response to my dispute Approximately 15 late payments across various accounts that are either inaccurate or due to circumstances Ive previously explained 3 unauthorized hard inquiries that I did not initiate or approve I am also concerned that these issues may be connected to a data breach or identity theft, as I have seen unusual activity on my credit reports that I can not link to any of my personal financial actions. Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to conduct reasonable investigations. However, I believe these investigations have been inadequate, as the items have been marked verified without justification or transparency. I am requesting that the CFPB investigate these issues further, ensure a full and fair review of each item, and require the removal of any unverifiable or fraudulent data from my reports. I am also requesting that the bureaus provide a clear explanation of how each item was verified

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Complaint Submission Statement Subject : Unauthorized Transactions Totaling {$26000.00} USD and Failure by Bank to Detect or Remedy Fraud I am submitting this complaint regarding a series of unauthorized transactions that occurred on my bank account between XX/XX/XXXX to XXXX transactions include multiple purchases at XXXX, XXXX, XXXX, and other merchants and appear consistent with card cloning or digital skimming. The total amount of these unauthorized withdrawals is approximately XXXX, XXXX USD. I did not approve, authorize, or permit these transactions. 

My son, XXXX XXXX XXXX and I notified the bank immediately on XX/XX/XXXX and requested a formal Regulation E investigation. I also requested a full accounting of the transactions, access logs, device information, and merchant confirmations. The bank has not resolved the issue and has not provided a satisfactory explanation. Instead they have pointed the finger at me, a senior citizen. The transactions occurred for many months without detection, and I believe this reflects a failure in the bank 's fraud monitoring systems and internal controls. Under the Electronic Fund Transfer Act and Regulation E, these transactions qualify as unauthorized electronic fund transfers. The burden of proving authorization rests with the financial institution. As a senior citizen under California law, I am also entitled to additional protections under state elder financial abuse statutes. 

I also filed a police report with the XXXX XXXX XXXX XXXX Department XXXX XXXX. 

I am requesting the following : 1. A full investigation under Regulation E.

2. A written explanation from the bank regarding how these transactions were processed.

3. A complete record of all evidence the bank relies on to claim any transaction is authorized.

4. Immediate reimbursement for unauthorized withdrawals, or provisional credit while the investigation continues.

5. A review of the bank 's compliance with consumer protection requirements. 
I am submitting this complaint because the losses are significant and the bank has not taken appropriate responsibility. I am seeking the CFPB 's support in ensuring that the bank completes a full investigation, provides transparency, and issues the refund required under federal law. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made 3 payments using my Truist credit card as pre-opening membership charges. The business never opened, and I just learned they filed for dissolution with the state of Florida on XX/XX/year>. 

Truist claims they do not approve disputes after 60 days, but I just learned of the dissolution. Truist is denying the dispute solely due to timing, even though the fraud/non-delivery only became clear after the dissolution filings Dates & amounts : XX/XX/XXXX {$120.00} ( XXXX XXXX XXXX ) XX/XX/XXXX {$79.00} ( XXXX XXXX XXXX ) XX/XX/XXXX {$110.00} ( XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC SSN : XXXX DOB : XX/XX/XXXX Re : Fraudulent Credit Inquiries Request for Immediate Removal Subject : Identity Theft Due to Data Breach To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to dispute several fraudulent credit inquiries that appear on my credit report. I am a victim of identity theft resulting from a data breach, and these inquiries were not authorized by me in any way. 

Please conduct an investigation and remove the following fraudulent inquiries from my credit file : Fraudulent Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not made by me and were not authorized. Under the Fair Credit Reporting Act ( FCRA ), I request : 1. Removal of all fraudulent inquiries listed above 2. A corrected copy of my credit report 3. Notification of the results of your investigation Attached are any documents supporting my identity theft claim ( if you have an FTC report, police report, or ID theft affidavitinclude it here ). 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 submitting this complaint regarding multiple inaccuracies on my credit reports from Equifax, Experian, and TransUnion that have materially harmed my credit profile. My reports include incorrect charge-offs from XXXX XXXX ( Account # XXXX, Balance {$1000.00} ) and XXXX  XXXX XXXX Account # XXXXXXXX XXXX, Balance {$0.00} ), an inaccurately reported XXXX XXXX XXXX account included in my XXXX  XXXX bankruptcy ( XXXX Bankruptcy XXXX Reference XXXX XXXX ), and unauthorized or outdated inquiries including XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX and XXXX  ( XX/XX/XXXX ). These errors violate multiple provisions of the Fair Credit Reporting Act, including 605 ( a ), 605 ( a ) ( 1 ), 607 ( b ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 604 ( a ), as the bureaus are reporting obsolete information, failing to ensure accuracy, misreporting dates of delinquency, including accounts improperly in bankruptcy, and listing inquiries without permissible purpose. I have disputed these items directly with the credit bureaus, but the inaccuracies remain uncorrected, causing ongoing financial harm, potential denial of credit opportunities, and undue stress.

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 2025-12-04 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 am begging for help because these inaccurate accounts are still appearing on my credit report, and they just will not go away no matter what I do. I am pleading that the documents I attached be carefully reviewed so I can finally stop living with this overwhelming worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For 6+ months the XXXX XXXX XXXX, violated my rights under the FCRA, and ignored my request delete the unauthorized inquiries on my credit report. Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft, you are required to block or remove fraudulent items within 4 business days of receiving the following : -Appropriate proof of my identity -A copy of my identity theft report, which I have provided -Identification of the fraudulent/unauthorized information Please remove unauthorized inquiries. 

Inquiries : XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX - XXXX This needs to be resolved immediately. Under the FCRA, each violation of my rights entitles me to damages of {$1000.00}. Im willing to settle for that amount {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : XXXX Disputes XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX XXXX Account XXXX To Whom It May Concern, I am formally disputing multiple inaccuracies reported on my Equifax credit report concerning the XXXX XXXX XXXX XXXX account ending in XXXX. The information currently being furnished is factually incorrect and violates the Fair Credit Reporting Act ( FCRA ) requirements of accuracy, integrity, and proper reporting of delinquency timelines. 
Below are the specific inaccurate items : 1. Date Closed Misalignment o The account shows Date Closed : XX/XX/XXXX, but Equifax is reporting charge-off statuses and delinquency months after the closure date. A closed account can not accumulate new late payments or extend a delinquency timeline. 
2. Chronologically Impossible Date of First Delinquency ( DOFD ) o DOFD is listed as XX/XX/XXXX, which occurs 3 months after the reported Date Closed. This is impossible and violates FCRA 623 ( a ) ( 5 ).

3. Incorrect Last Payment Date o Equifax lists the Date of Last Payment as XX/XX/XXXX, which is nine months after closure. This is not possible and must be corrected. 
4. Improper Charge-Off Reporting o The account is reported as CO every month from XX/XX/XXXX through XXXX. Charge-off is a single event, not an ongoing monthly status. 
5. Inconsistent Balance, Charge-Off Amount & Past-Due Amount o Reported balance : {$1000.00} o Charge-off amount : {$1000.00} o Past-due amount : {$1000.00} These amounts must match in a charged-off account. 
6. Activity Timeline Re-Aging o A Date Reported of XX/XX/XXXX is inconsistent with the last legitimate activity on the account ( XXXX ). This appears to re-age the account, which is prohibited under FCRA. 
Requested Resolution I am requesting the immediate deletion or correction of all inaccurate information associated with this account. If XXXX XXXX can not verify the exact dates, accurate payment timeline, and correct DOFD, the account must be removed as required under FCRA 611 and 607 ( b ). 
Please complete a reinvestigation and provide the written results within the legally required 30 days. 
Thank you for your prompt attention. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved.

OFFICE OF THE ATTY GEN XXXX Balance {$8300.00}

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 non-monetary relief
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : This response is a formal second demand regarding my previous dispute with Experian. You improperly blocked or dismissed my first dispute without completing the legally required reinvestigation. This is a serious violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, and it is unacceptable. The inaccurate and unverified account you continue to report is : Creditor : XXXX Accounts : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Experian has now failed twice to meet its federal obligations. You can not legally block a dispute simply because it is inconvenient for your system, your furnisher, or your automated verification procedures. The law requires a reasonable reinvestigation, not a refusal to investigate. You are hereby put on notice : this is your final opportunity to comply with federal law. I am demanding that Experian : Conduct a full, reasonable reinvestigation within 30 days Provide written results of the reinvestigation Provide a detailed Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ) Provide the name, address, and phone number of every furnisher you contacted Provide copies of any documentation you used or relied upon to verify the account If Experian can not prove the accuracy of this account using original, legally permissible documentation, the accounts must be deleted immediately.I am documenting Experians actions for a potential lawsuit. You are fully aware of your legal responsibilities and can not continue to disregard them without consequence.

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 2025-12-04 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation