vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I'm writing to formally dispute the accuracy of an item listed on my credit report. After reviewing the details, it's clear that the information being reported does not comply with the standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically in relation to the requirement for maximum possible accuracy. 

Under the FCRA, consumer reporting agencies and data furnishers are obligated to ensure that all information reported is completely accurate, verifiable, and not misleading in any way. This item falls short of that standard. Whether due to outdated data, unverifiable details, or incomplete context, it is not being reported with the level of accuracy that the law requires.

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 2025-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NBT BANCORP INC.
State: WY

Complaint narrative:
NBT Bank is assisting the financial exploitation of care-dependent people. Reckless disregard for fiduciary responsibilities. 

XXXX at the XXXX, NY branch is in constant violation. Allowing the embezzlement of a senior 's retirement money. Estate and inheritance tax evasion, mismanagement of an active corporation and corporate fraud. Lying to government agencies such as XXXX XXXX XXXX XXXX XXXX, Sheriff 's, FBI, NY Attorney General 's office, local village XXXX XXXX officials. Defamation of private citizens in avoidance of personal repercussions and charges against the bank. 

This is not the first problem XXXX or my clients have had at with this Bank or this employee. Their branch management has fallen into ruin. Unprofessional, judgmental, and at odds with long term customers ( both personal and business ). Basic checking and savings, deposits and withdrawals have become difficult, client management is non-existent, and regulation compliance is not followed.

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 2025-06-30 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: TX

Complaint narrative:
On Friday XX/XX/XXXX I spoke with a representative from experian requesting the ACDV form. The representative informed me that they did not have the form. Its my understanding that this form must be submitted to conduct a proper investigation. Based on the fact that the representative said that they dont have the form I believe that a proper investigation was not conducted.

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 2025-06-30 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: NC

Complaint narrative:
THE ACCOUNT LISTED ON MY FTC REPORT ARE REPORTING INCORRECTLY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : 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 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

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 2025-06-30 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: GA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Every bank I try to open says I had an account with them before but I never had one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota Motor Credit Corporation is reporting multiple late payments ( 30-day and 60-day ) on my open auto loan account # XXXX that are inaccurate, unverifiable, and damaging.

These include 30-day lates in XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, plus a 60-day late in XX/XX/XXXX. I have disputed these directly and have not received any proof of their accuracy, such as signed agreements, billing statements, or payment records.

This violates FCRA 607 ( b ), 611, 609 ( a ) ( 1 ) and FDCPA 809 ( b ). I am requesting the removal or correction of these entries and an investigation into Toyotas inaccurate credit furnishing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
am writing to formally dispute and request the immediate blocking and removal of fraudulent information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ], which allows consumers to request the blocking of any information resulting from identity theft.

I recently reviewed my credit report and discovered an account that I did not open, authorize, or have any knowledge of. This account is negatively affecting my credit and was clearly established as a result of identity theft. The details of the fraudulent account are as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MO

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian 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. Every 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 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
They removed off my report and then added it back Under the fair credit reporting act ( fcra ), specifically 611 ( 15 u.s.c 1681i, I have the right to dispute in accurate or obsolete items.I 've submitted a dispute to the credit bureaus and /or the lender, but the issue remains unresolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
I am requesting to have the below accounts removed from my credit file immediately. I have requested that Transunion, XXXX, as well as XXXX  provide me with the mode of verification for the listed accounts, and they have failed to provide me with that information as well as thoroughly investigate these fraudulent accounts after I have provided them with an FTC report and proof of my identity. 
In XX/XX/year>, I have reviewed my credit report and see that there are multiple accounts that were opened fraudulently without my authorization, and they are currently impacting my credit report negatively. I have reached out to both the original creditors as well and all three credit bureaus requesting removal of these accounts over XXXX XXXX ago and nothing has been done to resolve this matter. I have submitted the proper documentation and will be providing the documentation to you as well. Below are the listed accounts that were opened fraudulently due to identity theft and should be removed immediately : XXXX XXXX Bank Acct # XXXX and XXXX  Acct # XXXX I would also like the listed hard inquiries removed from all XXXX  credit bureaus due to my credit being ran without my permission : XXXX ( Bank ) XXXX XXXX, XXXX XXXX BANK ( Bank ) XXXX XXXX, 2025 XXXX CARD ( Bank ) XXXX XXXX, 2025 XXXX ( Bank ) XXXX XXXX, 2025 XXXX ( Bank ) XXXX XXXX, 2025 XXXX ( XXXX ) XXXX XXXX, 2025 XXXX XXXX ( XXXX ) XXXX XXXX, 2025 XXXX ( Bank ) XXXX XXXX, 2025 XXXX ( Finance ) XX/XX/year>XXXX XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) XX/XX/year> XXXX  ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/year> XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Auto ) XX/XX/year>XXXX XXXX XXXX  ( Auto ) XX/XX/year> 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  XX/XX/year> Please remove the above information from my credit report immediately.

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 2025-06-30 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 regularly monitor my credit report because my credit score is important to me, yet I continue to see inaccurate and false information. This has been a recurring issue that remains unresolved, despite my repeated efforts to have it corrected. Its incredibly stressful and exhausting, and its unfairly damaging both my credit score and my quality of life.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
this is my third time reaching out to Experian credit bureau in about fraudulent inquires on my Experian credit report it has been over XXXX  days and still no response from Experian

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had a closed credit card accounts with American Express that was subject to a settlement agreement. I fulfilled the terms of that settlement in full and I have documentation confirming that the amount was paid as agreed. 

Despite this, AMEX continues to report this account as behind in payments, which is completely inaccurate and extremely damaging to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of credit data are required to report accurate and complete information. Since this account was settled, it should not be reported as currently past due or showing continued missed payments. It should reflect a {$0.00} balance and be marked as Settled or Paid in full for less than the full balance. 

I have made multiple efforts to resolve this with AMEX directly, but the inaccurate reporting has not been corrected. I am requesting the CFPBs assistance to have this account accurately updated to reflect its true status and prevent ongoing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FREEDOM FINANCIAL NETWORK
State: AL

Complaint narrative:
In XXXX of XXXX  I applied for A heloc with Achieve Loans ( they are now serviced by a company called XXXX. ) They approved me for a heloc with A 12.75 % interest rate knowing that I would never be able to pay it down because of the amount of interest that I am paying. My payment is {$760.00} a month and XXXXXXXX XXXX a month goes to principal. 
I have reached out to Achieve Loans to see if they could refinance this at a lower rate and close the withdrawal period of the loan but they refused to do that. It is my belief that I am being taken advantage of by this company. Achieve knew I would never be able to pay this loan off and proceeded with the loan. They have a {$20.00} per day per diem charge that I am getting every single day. I need Achieve to lower this preditory rate they gave me on this Heloc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation