vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite submitting government ID, SSN, and proof of residency multiple times in 2025, my current address is still inconsistent across Equifax, Experian, and XXXX. This inconsistency causes FICO and XXXX systems to fail authentication with address does not match. As a consumer, I am entitled to a unified and accurate credit file under the Fair Credit Reporting Act ( FCRA ). The credit bureaus failure to synchronize my residency violates their duty to maintain maximum possible accuracy and prevents me from accessing my credit information. I am unable to receive benefits to my credit- or obtain vital information for now several months. I can not get my updated credit report files for the past 4 months.On [ XX/XX/year> ], I contacted Equifax to resolve an address mismatch issue that is preventing me from accessing my FICO/XXXX account

s . I had already submitted a certified-mail dispute with my drivers license ( showing my current residency ), my Social Security card , and supporting proof of address, all compliant with the Fair Credit Reporting Act. SHE ALSO SAID SHE COULDN'T TELL ME WHAT LOCATION SHE WAS WORKING FROM. SO I HAVE NO IDEA IF THEY SEPARATED MY TWO PAGE LETTER WITH THE PHOTO SCANS OR NOT. Despite this, Equifax employee ID # XXXX refused to update my information and denied that my documents were included in my certified packet. This denial is false USPS certified tracking confirms delivery, and my packet contained both my ID and SSN card.

Equifaxs failure to correct and synchronize my current address violates the FCRAs requirement to maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct a proper reinvestigation with written results within 30 days ( 15 U.S.C. 1681i ). As a result, I remain locked
out of FICO authentication with an address does not match error, which is directly harming my ability to manage and monitor my credit.

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
I received a call from someone who said they were from the XXXX  fraud unit. They said my account had been compromised and that I needed to put my money into a secure time account that the bank controls until they could cancel my cards and secure my account. I was very uneasy about the entire thing but I did it anyway and they took the last {$400.00} I had to my name. XXXX said they would do an investigation. However that investigation went nowhere and they declined to reimburse me for the money. Time is done this before where they say they're sorry but they're unable to help me. It doesn't matter what kind of transaction. I'm looking to get my money back from anyone that can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I am filing this complaint against XXXX XXXXXXXX and Gurstel Law Firm for failing to provide the original credit card agreement associated with my XXXXXXXX XXXX XXXX XXXX  account, which I have repeatedly requested in order to invoke private arbitration. 
I have made multiple good-faith efforts to obtain this document : I sent a certified letter and fax to XXXX XXXX requesting the original XXXX agreement that includes the arbitration clause. 
I contacted Gurstel Law Firm twice by phone, left detailed messages requesting a callback from the attorney handling the matter, and sent a formal written request for the same document.

Despite these efforts, Gurstel Law Firm responded only by sending me a revised agreement dated XXXX, which does not reflect the terms in effect when the account was opened. XXXX XXXX has not responded at all. 
This lack of cooperation is obstructing my ability to proceed with arbitration through the XXXX XXXX XXXX XXXX XXXX ), which I have already initiated. The refusal to provide the original agreement undermines my rights under the Federal Arbitration Act and violates fair debt collection practices. XXXX Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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  Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America held a XXXX and a XXXX deposit for review on XX/XX/year>. Both cleared our account at the Credit Union on XX/XX/year>. BOA elected to close the accounts on XX/XX/year>, and written confirmation was received that the accounts closed on XX/XX/year>. As of XX/XX/year>, BOA has not released the remaining deposits that totaled about {$850.00}. The bank indicated today that the accounts ending in XXXX, and XXXX will not close until XX/XX/year> due to a billing dispute that was opened on XX/XX/year>. We have not been privy to account balances or transaction history since XX/XX/year>, and have subsequently been advised that the remaining balance has been reduced to less than XXXX. The deposit in question was a personal check from my own bank. It is our expectation that the full balance be remitted to our mailing address, and any negative reporting to XXXX, etc. cease.

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 2025-08-25 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: FL

Complaint narrative:
Complaint Against [ Experian / TransUnion / Equifax ] Consumer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Inaccurate Reporting of XXXX  XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am filing this complaint under the Fair Credit Reporting Act ( FCRA ). [ Experian / TransUnion / Equifax ] is reporting my account with multiple inaccuracies that violate FCRA requirements for maximum possible accuracy : Error Description : [ Insert specific error here, for example : Experian reports the Date of Last Activity as XX/XX/year>, while TransUnion reports XX/XX/year> and Equifax reports XX/XX/year>. These are three different dates for the same account, which proves Experians reporting is inaccurate and misleading. ] This inaccurate reporting damages my credit profile and is a violation of FCRA 609 and 611. 

I demand that this account be either corrected to reflect accurate and consistent information or deleted entirely from my credit file. 

Failure to do so will result in escalation to the FTC, CFPB enforcement, and possible legal action. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Against [ Experian / TransUnion / Equifax ] Consumer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Inaccurate Reporting of XXXX  XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am filing this complaint under the Fair Credit Reporting Act ( FCRA ). [ Experian / TransUnion / Equifax ] is reporting my account with multiple inaccuracies that violate FCRA requirements for maximum possible accuracy : Error Description : [ Insert specific error here, for example : Experian reports the Date of Last Activity as XX/XX/year>, while TransUnion reports XX/XX/year> and Equifax reports XX/XX/year>. These are three different dates for the same account, which proves Experians reporting is inaccurate and misleading. ] This inaccurate reporting damages my credit profile and is a violation of FCRA 609 and 611. 

I demand that this account be either corrected to reflect accurate and consistent information or deleted entirely from my credit file. 

Failure to do so will result in escalation to the FTC, CFPB enforcement, and possible legal action. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-08-25 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: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
I have hard inquiries on my credit report that I didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : COLLECTION ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and these inquiries remain on my report. This failure to act is unacceptable. 

The continued presence of these unauthorized and potentially fraudulent entries is highly alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing XXXX  and financial harm.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: WI

Complaint narrative:
Kickoff is lying about my account being closed and they are reporting inaccurate information and lied to the credit bureau about the account. They are lying saying that my account wasn't closed when I have proof that I indeed closed the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: AR

Complaint narrative:
b'Mosaic Company has sent 3 billing statements for work never requested or done on my property. I called them within 3 days to STOP any project processing after a sales agent had discussed a solar project with me on or around Fall of XXXX But, I received the first billing statement dated XXXX  at least XXXX XXXX  years after the sales agent was in my home. I have never requested or signed a loan agreement and have never received any loan monies or service provided by Mosaic on my property!! I did send a Cease and Desist letter dated XXXX XXXX XXXX  certified and received by Mosaic on XXXX XXXX XXXX Their response to my letter was another billing statement. It is apparent to me that they have ignored my request to Cease and Desist. Please help me getting them to stop the harrassment billing for a service and loan agreement never requested. No loan monies ever requested or received.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-08-25 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief