vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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

1681c2 ) that you, the TransUnion 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 : XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : XXXX XXXX XXXX Account Number : XXXX XXXXate Opened : XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : XXXX XXXX XXXX  BANKRUPTCY - Account Number : 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 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 2025-08-15 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: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: IN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-15 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: IN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XXXX at approximately XXXX I allowed a man at the store to use my phone who claimed he was stranded and his wallet had been stolen with his phone so I let him use my phone and then when I looked at my phone next I noticed that all the cards had been erased off of my XXXX XXXX  and that two transactions had been made on my chime account because the tab was still up One was for {$200.00} dollars at XXXX the other for {$300.00} XXXX consecutively right after the first both on XX/XX/XXXX they were sent to another chime member so chime to chime transaction when I contacted chime about this matter to file the dispute they took all the information I thought and transferred me to the security department to secure my account it was only a couple days later that I seen they had sent me an email stating that they had denied the dispute so I called them to do an appeal on their decision and when I spoke to the lady she had mentioned that my device was stolen correct and I said no my phone was never stolen somebody borrowed it used it and then gave it back to me and she said well this is new information let me reopen this and we'll get back to you so again a couple days go by and I get another email and it says that they again denied the dispute I don't understand how they could deny a dispute for a fraudulent transaction when I have never filed a dispute with them and I am a chime plus member that gets a lot of money direct deposited into their account that is supposed to be insured with {$250000.00} insurance to protect your money from incidents just like this one yet the first time I ever have an issue they denied me not once but now twice and I took a huge loss on this ordeal totaling {$500.00} and I'm hoping to be able to get the financial institution in which I have placed my trust upon to follow through with their contract agreement that insured me my money was protected no matter what and this transaction from a chime account to a chime account and they still will not help me shows me very much that it is not protected like they state. I figured that since this transaction was done remotely after they were made aware of it chime would have issued me a new account altogether with different account numbers and transfer my deposits and funds over to it but they did not do any of that they just told me that I needed to freeze my card which was not used and then the next thing I hear from them is that I was denied for the first attempt on XX/XX/XXXX only 5 day later then the 2nd dispute attempt on XX/XX/XXXX just two days after they reopened claim and out of {$500.00} just an addition to the other issues I had because of letting someone use my phone for not even 5 minutes I'm suffering extreme consequences of trying to do the right thing and entrusting chime with upholding our financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: SC

Complaint narrative:
T

his 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 : ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : 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, 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 2025-08-15 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Zillow Group Inc.
State: CA

Complaint narrative:
I was approved for a mortgage loan with Zillow Home Loans , LLC for the purchase of a property. The loan had passed underwriting, and I signed my closing documents, including the Promissory Note and Deed of Trust, on XX/XX/year>. 

When signing, I included a lawful reservation of rights annotation on the Note stating All Rights Reserved, Without Prejudice, which is a recognized method under the Uniform Commercial Code and common law for preserving legal and equitable rights in a negotiable instrument. This reservation did not alter the financial terms or substantive obligations of the loan in any way.

Following my execution of the documents, Zillow informed me that they would not fund the loan unless I re-signed the Note and Deed of Trust without any additional protective language. They stated that unless I removed the lawful reservation of rights, they could not submit the loan to investors such as XXXX XXXX. 

This was an ultimatum that placed me in a position where I was required to waive a lawful right in order to receive funding. I declined to waive my rights, and as a direct result, Zillow canceled my loan. I received an official adverse action notice stating that the sole reason for denial was : " BORROWER REFUSED EXACT SIGNATURE REQUIREMENTS '' Why This Violates ECOA : The ECOA ( Pub. L. 93-495, 88 Stat. 1500, 701 ( a ) ) prohibits a creditor from discriminating against an applicant because the applicant has exercised any right under the Consumer Credit Protection Act. My annotation was an exercise of such a right the preservation of legal and equitable interests in my own promissory note, a negotiable instrument under law. Zillows cancellation of my loan solely for exercising this right constitutes an adverse action prohibited by ECOA. 

Additional Legal Concerns : Breach of Contract : Zillow had approved my loan and was contractually obligated to fund at closing. Their refusal to perform unless I waived my rights is a breach of the financing agreement.

Coercion : Conditioning funding on the surrender of a lawful right is a form of coercion that violates fair lending standards.

Constructive Conversion : By taking possession of my signed promissory note and refusing to fund, Zillow retained an asset of value without performing its side of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MS

Complaint narrative:
I am disputing accounts listed under my name that I did not open or authorize. These accounts are inaccurate, misleading, and damaging to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) 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 XXXX 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/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 XXXX 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 2025-08-15 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: PA

Complaint narrative:
I am disputing multiple late payment entries on my Experian, Equifax, and TransUnion credit reports that are inaccurate, inconsistent, and/or unverifiable. Dates differ between bureaus, payment histories are incomplete, and some entries are duplicates from both the original creditor and a collector.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ), the bureaus must ensure maximum accuracy and delete unverifiable information. I have requested proof of these late payments and have not received proper verification. I request CFPB assistance in having these entries corrected or removed.

Late payment dates differ between bureaus for the same account.

Payment histories are missing or incomplete, making the alleged delinquencies impossible to verify.

Accounts have duplicate late payment entries, reported by both the original creditor and a third-party collector.

Late payment information is being reported despite the creditor failing to provide required proof of delinquency notices or original account documentation.

In some cases, the late payment entries remain after previous disputes, without the bureaus providing any meaningful investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: AL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: AL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2025-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX shows an auto loan which was charged off and sold to XXXX credit services. I am requesting a XXXX showing the amount charged off. I never had this loan. Never signed for a car loan with XXXX  Credit union. I continue to call XXXX and request this information but never receive it. XXXX continues to say my signature  card has not been received.

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