vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
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/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 non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am disputing inaccurate information being reported by Equifax regarding an account with XXXX XXXX XXXX. The account has been closed since XX/XX/XXXX with a {$0.00} balance and no past due amount. 

However, Equifax is reporting a Last Reported date of XX/XX/XXXX, which is a future date and not factually possible. This is a clear error and does not align with the actual date the account was last updated. 

This incorrect reporting may negatively affect how the account appears in credit scoring models, and it misrepresents my payment history and account status. 
Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), consumer reporting agencies must maintain maximum possible accuracy of information. I am requesting that Equifax correct this inaccurate date or remove the erroneous data from my credit report if it can not be verified with documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding XXXX and their failure to report accurate information to the credit bureaus. 

I took out a {$70000.00} personal loan with XXXX, which I paid in full on XX/XX/XXXX. Despite this, the account is still being reported as open with a {$68000.00} balance as of XX/XX/XXXX. 

I have made multiple attempts to contact XXXX, including escalations and follow-ups, but they have refused to correct the inaccurate reporting. I have also contacted the credit bureaus, but no resolution has been provided. 

This false information is harming my credit profile and affecting my ability to access fair financing. I am requesting your assistance in compelling XXXX to update the tradeline to show : {$0.00} balance Account paid in full Account closed as of XX/XX/XXXX I have the documentation to support this request. 

Thank you for your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have written this debt buyer on several occasions .. I have informed them to remove the negative accounts from. My credit report due to identity theft I provided them with my fraud claim number I informed them that these are over XXXX XXXX XXXX and they can not recover will not recover and they put the open account date when they purchased the debt so as to prolong the damage to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-26 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 filing a complaint serves as my third formal dispute regarding inaccurate and unauthorized information appearing in my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ), a person or entity may only obtain a consumer report if they have a permissible purpose as defined by law. Any access or furnishing of information to my credit file without such purpose is considered unauthorized and unlawful. 
Upon reviewing my credit report, I have identified the following accounts/inquiries that I believe were accessed or reported without permissible purpose : XXXX  XXXX  XXXX XXXX XXXX * * Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-26 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:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
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 2025-07-26 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$25000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Kikoff Inc.
State: NY

Complaint narrative:
Kickoff Credit was opened under my name under my email. This was back a few years ago when me and my ex-husband were going through a divorce my phone was hacked and he got to my email. He totally screwed up every thing that was going for me so I had to start fresh and this is an account that has been affecting my credit and it was not mine and when I saw this in my credit report, I went to the kickoff website and it had my old email that was hacked that he took and he had changed password so I couldnt even get into it. It just kept saying that I owed money its ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB team, I am submitting this complaint because Bank of America suddenly closed one of my credit card accounts ( XXXX ) without any prior notice or clear explanation. I already submitted a written request to the banks credit department asking them to review the decision, but I did not receive any response, so I decided to contact you as well to help expedite the process and restore my account, since I was planning to apply for a mortgage in two months. 

The account was in good standing with no late payments, no over-limit usage, and no suspicious activity. I intentionally used the card to purchase gold online as a gift for my brother, who had a XXXX daughter. I could have paid with my debit card, but I chose to use the credit card because in the U.S. that is considered the proper way to build credit history. I had planned to pay off the balance entirely within the following weeks. 

After the transaction was declined, I immediately called the bank. I was transferred between departments, repeatedly asked to verify my identity, but no one could clearly explain what was happening. I was told that someone would call me back by the end of the day, but no one did. That night, the card disappeared from my online banking account. Later, I was told vague reasons like risky transaction or suspicious activity, but without any specific explanation. I was not given any warning or a chance to resolve the situation. It felt like a harsh and unreasonable decision. 

Even in my request to the bank, I explained that I would be willing to have the funds on the card frozen if they had any doubts. What matters most to me is that the card continues to appear on my credit history. This was my first credit card in the United States, and it plays a key role in my credit report. I have been building my credit responsibly, and this account closure threatens my ability to qualify for a mortgage and continue building a stable financial future. 

I am not a lawyer and I havent studied banking laws, but I can say with certainty that I have not done anything fraudulent, malicious, or against the terms of service. I acted within the boundaries of normal and honest credit card use. The way this was handled feels like a violation of my rights as a banking customer and consumer. 

I respectfully ask CFPB to review this complaint, put pressure on the bank, and help ensure that the situation is reviewed fairly and objectively. If additional information or documents are required, I am ready to provide everything needed. 

Thank you for your time and attention. I truly hope for your support and would be very grateful for any help you can provide. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: IN

Complaint narrative:
I had to heard nothing from this company for 3 years then out of the blue I got a call from a guy saying he had a warrant for me said I had to call and make arrangements with them otherwise they would have me arrested. He said it was for falsehoods I had made to get the loan. I called them and made 4 or 5 payments then something went wrong with my card well I didn't know it they they called my brothers and made it sound like if I didn't contact them right away the police would be to my house. I am on XXXX and I can not afford this please help they sent me these forms to sign but I have not done so. Thank you

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 2025-07-26 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: CO

Complaint narrative:
I am writing to formally dispute an account appearing on my credit report that contains inconsistent and inaccurate reporting of the account closure date across all three major credit bureaus. 

The account in question is : XXXX Name : XXXX XXXX Account Number : The report date, Date Closed, and the payment history for this account is being reported differently across the following credit bureaus : XXXX  reports : Report date : XX/XX/XXXX, Closed date : XX/XX/XXXX and Payment History : XXXX XXXX XXXX days late Equifax reports XXXX Report Date : XX/XX/XXXX Closed Date : XX/XX/XXXX, Payment History : XXXX XXXX XXXX days late XXXX  reports XXXX Report Date : XX/XX/XXXX Closed Date : XX/XX/XXXX, Payment History : no late payments This is a clear violation of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) This requires credit bureaus to maintain maximum possible accuracy in the information they report. 
15 U.S.C. 1681i ( a ) This section requires credit bureaus to reinvestigate any disputed item that is incomplete or inaccurate. 

Due to the inconsistent reporting of the closure date, the account is being presented in a false and misleading manner, which affects the accuracy of my credit profile and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: CO

Complaint narrative:
I am writing to formally dispute an account appearing on my credit report that contains inconsistent and inaccurate reporting of the account closure date across all three major credit bureaus. 

The account in question is : XXXX Name : XXXX XXXX Account Number : The report date, Date Closed, and the payment history for this account is being reported differently across the following credit bureaus : XXXX  reports : Report date : XX/XX/XXXX, Closed date : XX/XX/XXXX and Payment History : XXXX XXXX XXXX days late XXXX  reports XXXX Report Date : XX/XX/XXXX Closed Date : XX/XX/XXXX, Payment History : XXXX XXXX XXXX days late TransUnion reports XXXX Report Date : XX/XX/XXXX Closed Date : XX/XX/XXXX, Payment History : no late payments This is a clear violation of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) This requires credit bureaus to maintain maximum possible accuracy in the information they report. 
15 U.S.C. 1681i ( a ) This section requires credit bureaus to reinvestigate any disputed item that is incomplete or inaccurate. 

Due to the inconsistent reporting of the closure date, the account is being presented in a false and misleading manner, which affects the accuracy of my credit profile and creditworthiness.

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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I paid an agreed-upon settlement of {$300.00} to TD Bank USA for my Nordstrom credit card account, which had a final statement balance of {$250.00} prior to the accrual of fees or interest. This settlement was made in good faith after I acknowledged the statement and took immediate steps to resolve the account. 

Prior to that, on XX/XX/year>, I sent certified documentation to TD Bank, including : A police report My XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Evidence of forced relocation and financial hardship These documents detailed the traumatic and legally documented circumstances that contributed to the account falling behind. I also updated my mailing address on XX/XX/year> to ensure any correspondence and confirmation could be properly delivered. 

Despite this, my credit report is still inaccurately showing a {$200.00} past-due balance as of XX/XX/year>, which is false and misleading. This account was settled in full based on the agreed-upon terms, and should reflect the following : Balance : {$0.00} Status : Settled paid in full for less than full balance Closed Reporting this account as charged off with a balance due misrepresents the truth and causes continued harm to my credit profile. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 607 ( b ) : Duty to maintain maximum possible accuracy 611 ( a ) : Right to dispute inaccurate or incomplete information 609 ( a ) : Right to receive accurate disclosures about any information on file I am requesting that this account be updated immediately to reflect the true status and resolution. Failure to do so may indicate a pattern of negligence or bad faith in handling consumer settlements, especially when hardships are lawfully documented.

Company response to consumer: Closed with explanation