vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: CO

Complaint narrative:
I am disputing late payments reported by XXXX XXXX XXXX XXXX an open and active account. I have made my payments on time, yet they continue to report me late. I contacted their customer service department to request verification, but they have not provided proof or corrected the error. This inaccurate information is negatively affecting my credit score. I am requesting that XXXX XXXX provide documentation validating these late payments or remove the inaccurate entries immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 disputing late payments reported by XXXX XXXX XXXX XXXX an open and active account. I have made my payments on time, yet they continue to report me late. I contacted their customer service department to request verification, but they have not provided proof or corrected the error. This inaccurate information is negatively affecting my credit score. I am requesting that XXXX XXXX provide documentation validating these late payments or remove the inaccurate entries 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 non-monetary relief
Consumer complaint received 2025-11-03 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Kikoff Inc.
State: GA

Complaint narrative:
My KIKOFF account ending XXXX shows paid/closed/current on some bureaus, open/current on another, yet still displays a string of XXXX late codes over the same periods. The status ( current/paid/closed ) contradicts the severity and recency of late codes being furnished. This inconsistency violates the duty to furnish accurate and complete information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: MA

Complaint narrative:
I went to the company and I explained to them on how a worker told me I ca cancel the membership anytime with no commitment and then when I tried to cancel they told me I had to pay and they said they would fix the problems for me and I never got a message or reply back from them, they said they would fix it and theres nothing fixed so I dont understand why Im getting a XXXX charge and the charge from the company is XXXX and my account says inactive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
THESE ACCOUNTS ARE NOT MINE. I AM TIRED OF CONTINOUS MAIL AND EMAIL THAT I RECEIVE ABOUT ACCOUNTS THAT NEVER BELONGED TO ME. I AM FILING THIS COMPLAINT TO HAVE THESE FRAUD REMOVED. PLEASE DELETE THE FRAUD ACCOUNTS FROM MY NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THESE ACCOUNTS ARE NOT MINE. I AM TIRED OF CONTINOUS MAIL AND EMAIL THAT I RECEIVE ABOUT ACCOUNTS THAT NEVER BELONGED TO ME. I AM FILING THIS COMPLAINT TO HAVE THESE FRAUD REMOVED. PLEASE DELETE THE FRAUD ACCOUNTS FROM MY NAME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans Union removed XXXX XXXX XXXX accounts that were deleted today from my Trans Union credit report. 

Within minutes all 4 accounts Illegally reappeared. 
Each one was scheduled to be removed XX/XX/year> because each one is too old and has exceeded the 7 year reporting period. Additionally, I have records from the original creditor that all the accounts are too old because the date of first delinquency on these accounts also indicate Re-Aging. 
I am submitting screenshots showing accounts were removed today as scheduled on previous credit reports. I have PROOF as my records indicate that reaging is an issue as well. 
Today within an hour Trans Union illegally reinserted 4 accounts then within minutes illegally reinserted the same accounts. 
Please delete all accounts each one according to my records is too old and or re-aged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX  Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n \nXXXX 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 2025-11-03 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:
Please review the details of this entry ; it might be inaccurate due to lateness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I reviewed my Experian credit report and found multiple hard inquiries that I did not authorize. 
I never gave written or verbal consent for these lenders to access my credit file. Many of them appear to be from auto lenders and credit unions with which I have no active applications or relationships. 

I contacted Experian and spoke with a representative to report the issue. My case reference number is XXXX, and the employee who handled my call had ID XXXX. 

Although some inquiries were removed, several still remain. I am requesting a full investigation and deletion of all remaining unauthorized hard inquiries. These negatively affect my credit score and were made without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I moved out of an apartment unit in XX/XX/year> due to the unit having mold and water issues that was causing severe respiratory and other health complications. I repeatedly asked the apartment complex to fix the issue for months and nothing was ever done. I contacted a lawyer and had my physician send in proof that the conditions were not livable and I needed to move out immediately. I turned everything in to the apartment management team including all documents and keys. They did not notify me that I owed any money at the time. However, they have now sold the debt to a collection agency saying that I owe them {$1100.00}. I spoke to the apartment management team and they admitted verbally that they wrongfully put it on my credit report. Instead of them contacting the collection agency and saying to remove it they sent a dispute by consumer report. I need the debt removed completely not disputed before 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: WA

Complaint narrative:
There is in fact a 'NOTICE TO VACATE ' on file with the company and this was given to XXXX 45 days prior to move out. Your company afforded me no rebuttal before placing this on my credit. Your company has also been taken to court for erroneously adding on interest to rental debt, which is what you did In my case. I would like all of the interest I paid already above the original principal refunded to me as it wasn't legal to add this interest on in the first place. The third party company is aware of the circumstances of this debt which is why they offered to help pay erroneous the debt off. I still plan to pursue further action on this as far as holding XXXX apts accountable, and I will not give up holding IQ data XXXXXXXX liable for charging me this ridiculous amount of interest. There wasn't any writing in my lease stating that interest can be accrued on any debt as well, which I know to be the law. Please let me know if you'd like a copy of the 'notice to vacate ' as proof that the debt wasn't valid, we didn't just 'move out ' and you afforded us as no option to provide proof, nor did you send any information on the debt in which we could dispute. I would like the debt removed from my credit bit I would also like a refund IN FULL for any payments made. I've discussed this case as well with the Attorney Generals office in WA state. If this case can be settled I will cease any further recourse. Please stop abusing consumers with your illegal and harmful debt collection processes and blindly believing big companies- there are laws for these things for a reason What happens now?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I affirm that the false late payment remarks on my accounts are in violation of 15 U.S.C. 1666. I have consistently made my payments on time, and any inaccuracies in this reporting are both unfair and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 am unfamiliar with these accounts and believe they result from fraud. Kindly investigate and remove them from my credit history. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am filing this complaint against Experian for reporting and continuing to update multiple inaccurate accounts after repeated factual disputes submitted since XX/XX/year>. These include : XXXX listed as a collection/charge-off with a {$1000.00} balance, but the information across bureaus is inconsistent and not verified. 
XXXX XXXX showing a {$1100.00} charge-off with a past-due balance equal to the charge-off amount, which violates XXXX ( a charged-off account must show a {$0.00} past-due ). 
XXXX, XXXX XXXX, and XXXX late-payment histories are inconsistent and do not match the creditors reported dates or statuses. 
Personal information such as addresses is outdated and repeated under multiple names ( XXXX XXXX XXXX ), which I already requested to have corrected. 
Despite these factual disputes, Experian continues to furnish data that is incomplete, contradictory, and misleading, causing score suppression and credit denials. 
Legal references : FCRA 623 ( a ) ( 1 ) ( A ) duty to furnish accurate information.

FCRA 611 ( a ) requirement to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 5 ) ( B ) reinsertion notice obligation. 
XXXX XXXX XXXX XXXX & XXXX prohibit conflicting fields ( charge-off XXXX past-due, missing XXXX, or inconsistent payment status ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MA

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly go through the enclosed data ; the inquiries came in abruptly and may have been unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
Please check this entry carefully ; it seems to have been posted after the deadline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you go through this? It looks like a late and possibly mistaken entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is not applying the XXXX United Miles earned from the sign-up bonus to XXXX of my chosen United accounts XXXX The excuses make no sense. It seems like incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Bull City Financial Solutions, Inc
State: LA

Complaint narrative:
A fraudulent account was opened and reported under my name without my authorization. I have never applied for, opened, or had any account with BullCity Financial Solutions or XXXX XXXX XXXX. 
This account is the result of identity theft and does not relate to any transaction or account belonging to me. 
I submitted a written dispute to the credit reporting agencies under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, requesting deletion of this fraudulent information. Despite my notice and signed statement confirming the account is not mine, the company failed to remove the account and did not provide verification or any documentation proving I authorized it. 
I am requesting that this fraudulent account be immediately deleted from my credit report and that all credit bureaus and the furnisher comply with federal law requiring the removal of identity theft-related information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo opened bank accounts without my permission. I Tried going through the mediation program for several years speaking to approx XXXX different people but getting the run around. Sent mediation request by mail several times and through their portal several times. They say they recived it then say they don't have it. Their number on their letter for who to talk to is wrong. They say they call me but don't and the number they give me is incorrect.

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