vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: TX

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 2025-11-07 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:
Check this entry carefully ; it may be late and wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
Examine the submitted materials ; these inquiries occurred without prior notice and could be 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 2025-11-07 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:
THIS ACCOUNT WAS FRAUDULENTLY CREATED WITHOUT MY KNOWLEDGE

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this formal complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) against both Experian Information XXXX, XXXX and XXXX XXXX XXXX ( XXXX XXXX XXXX ), located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX. 
The account in question is being inaccurately and unlawfully reported to Experian under the following details : Creditor : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Type : Auto Loan Status : Collection / Charge-Off / Repossession ( contradictory ) Balance : {$16000.00} ( original {$15000.00} ) Opened : XX/XX/XXXX | Reported : XX/XX/XXXX ________________________________________ Nature of Complaint : Violations of Federal Consumer Laws 1. Violation of FCRA 607 ( b ) & 611 ( a ) : Experian is reporting contradictory, inaccurate, and unverifiable information, showing this account as both a charge-off and repossession simultaneously. 
The data reported is inconsistent, incomplete, and fails the maximum possible accuracy standard required under the FCRA. Despite being disputed, the information continues to be displayed, reflecting noncompliance with 611 ( a ) reinvestigation obligations.

2. Violation of FCRA 623 ( a ) ( 1 ) ( A ) : The furnisher, XXXX XXXX XXXX, has reported false and misleading data to Experian and has failed to conduct a reasonable investigation or provide verifiable documentation supporting the accuracy of this account. 
3. Violation of FDCPA 809 ( a ) ( 15 U.S.C. 1692g ) : No debt validation notice has been provided to me, nor has the furnisher produced any contractual evidence bearing my signature or a complete accounting ledger to prove the accuracy of the alleged balance. 
Reporting to a credit bureau without validation is a direct FDCPA violation. 
4. Violation of CFPB Circular 2023-02 & Auto Lending Oversight ( XXXX ) : This reporting activity falls under predatory and deceptive auto lending practices currently under CFPB enforcement review. The continued reporting of unverifiable data tied to an alleged repossession or charge-off constitutes unfair and abusive conduct under the CFPA ( 12 U.S.C. 5531 & 5536 ). 
________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts These same accounts are reporting as charged off under Experian. I am disputing the accuracy and requesting full verification or correction : XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$2800.00} XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$260.00} If these accounts were settled, paid, or transferred, please update the reporting to reflect that information accurately. 

Late Payments XXXX XXXX Acct # XXXX Please verify this accounts payment history, as I believe there may be incorrect or duplicate late entries being reported. 

Inquiries Please verify the following recent inquiries for legitimacy. Any inquiries that can not be confirmed as authorized should be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-07 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 bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts I am disputing the following charged-off account that appears on my Equifax report : XXXX Acct # XXXX XXXX XX/XX/year> Balance : {$0.00} This account is still being reported as charged off despite showing a {$0.00} balance. It appears to be outdated and should either be removed or verified with complete documentation from the furnisher. 

Late Payments XXXX XXXX Acct # XXXX Late payments are being reported on this account. I am requesting that Equifax verify the accuracy and payment history directly with the creditor. If verification can not be provided, the late payment entries should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
I am submitting a complaint regarding inaccurate and unauthorized information being reported by the credit bureaus and multiple furnishers.

I have disputed several accounts, collections, closed accounts, and incorrect personal information that are not mine and appear to be the result of identity theft. I followed the FCRA dispute process and provided supporting documentation, including proof of identity and an FTC Identity Theft Report. The credit bureaus failed to properly investigate and continued reporting inaccurate information.

Despite multiple disputes, the credit bureaus have : Continued reporting accounts that do not belong to me Reported closed accounts with inaccurate late payments Reported fraudulent collections that were never authorized Continued listing old and incorrect personal information Failed to remove inaccurate addresses and names Allowed unauthorized inquiries to remain on my report These errors are harming my credit profile and causing financial harm, including denials of credit and higher interest rates.

I have exercised my rights under the Fair Credit Reporting Act, including 602A ( maximum possible accuracy ), 611 ( reinvestigation ), and 605B ( identity theft blocking ). The companies involved have not fulfilled their legal obligations to properly investigate, verify, or remove inaccurate and fraudulent information.

I am requesting the CFPB assist in ensuring the bureaus and furnishers comply with the law by removing all inaccurate and unauthorized items and updating my personal information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am submitting a complaint regarding inaccurate and unauthorized information being reported by the credit bureaus and multiple furnishers.

I have disputed several accounts, collections, closed accounts, and incorrect personal information that are not mine and appear to be the result of identity theft. I followed the FCRA dispute process and provided supporting documentation, including proof of identity and an FTC Identity Theft Report. The credit bureaus failed to properly investigate and continued reporting inaccurate information.

Despite multiple disputes, the credit bureaus have : Continued reporting accounts that do not belong to me Reported closed accounts with inaccurate late payments Reported fraudulent collections that were never authorized Continued listing old and incorrect personal information Failed to remove inaccurate addresses and names Allowed unauthorized inquiries to remain on my report These errors are harming my credit profile and causing financial harm, including denials of credit and higher interest rates.

I have exercised my rights under the Fair Credit Reporting Act, including 602A ( maximum possible accuracy ), 611 ( reinvestigation ), and 605B ( identity theft blocking ). The companies involved have not fulfilled their legal obligations to properly investigate, verify, or remove inaccurate and fraudulent information.

I am requesting the CFPB assist in ensuring the bureaus and furnishers comply with the law by removing all inaccurate and unauthorized items and updating my personal information correctly.

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 2025-11-07 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: AZ

Complaint narrative:
Someone has my information and using my name. I think now all I can try and do is see if I can get a new XXXX and id number because it wont stop this XXXX  inquiries XXXX  not me XXXX XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Experian XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX  Experian XX/XX/XXXXXXXX XXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXXXXXX Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
My mortgage payments to XXXX and loan # XXXX and the last XXXX numbers of my checking with XXXX # XXXX. The payments were made on the following dates and amounts. Wherever you see the following sign, this amount was paid $ $ $ {$2500.00}. 

XX/XX/XXXX $ $ XXXX XXXX XX/XX/XXXX $ $ XXXX XXXX XX/XX/XXXX $ $ XXXX XX/XX/XXXX $ $ XXXX XX/XX/XXXX $ $ XXXX XX/XX/XXXX $ $ XXXX XX/XX/XXXX $ $ XXXX XX/XX/XXXX $ $ XXXX refund from XX/XX/XXXX $ $ XXXX Refund from XX/XX/XXXX XXXX posted my XXXX refund to my XX/XX/XXXX mortgage payment. When I asked XXXX at that time for proof of payment XXXX never sent it to me. XX/XX/XXXX $ $ XXXX XXXX XXXX $ $ XXXX XXXX did not post the XXXX payment until XX/XX/XXXX $ $ XXXX XX/XX/XXXX $ $ XXXX XX/XX/XXXX $ $ XXXX XX/XX/XXXX $ $ XXXX at the time of this message XXXX XXXX payment was not due yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
Please consider this letter as my formal notification that the accounts referenced are fraudulent. I did not authorize them, and I respectfully request their removal and full review. Documentation is enclosed.

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 2025-11-07 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: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-07 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MD

Complaint narrative:
I am writing to report an issue with my account. I am currently unable to log in, which is preventing me from transferring funds from my savings account. I have attempted to access the account multiple times without success. 

I kindly request that this issue be reviewed and resolved as soon as possible, as it is causing an inconvenience. Please let me know if any additional information is needed to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/year> I got my paycheck into my Chime bank account & it was emptied for {$1200.00} while i was sleeping. I contacted chime the next morning to get the issue resolved and they have definitely been unhelpful during this process. Ive filed a dispute & sent photo evidence it was denied, they then told me to put it in writing which still was denied, after basically demanding i get a police report for my dispute to be reopened again for the XXXX time and denied again. I was not aware or notified that at the time my money was transferred internally into another members account ( XXXX XXXX ) the individual also attempted to close my account and when i asked chime cs about it they told me there was no indication of my account being closed they didnt see any attempt to close my account that it had to be done over the phone. I also have tried to send money since then and my latest attempt was flagged trying to send {$41.00} to a family member, it was flagged for fraud because they werent in my contacts but neither was desean P and he received all my money in XXXX transaction no flags or fraud attempt on him. I dont know what to do im a lower class citizen and need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to respectfully request a goodwill adjustment regarding a repossession listed on my credit report. The account in question is with Capital one auto finance, account number well partial account number is ( XXXX  XXXX ) ( XXXX  * XXXX ) ( XXXX  i was unable to find ). In XX/XX/year>, I was involved in a life-altering motorcycle accident that left me paralyzed. I was hospitalized for XXXX months and unable to manage my financial obligations during that time. Unfortunately, this led to the repossession of my vehicle a situation I was unaware of until I was XXXX from the hospital. This event does not reflect my typical financial behavior. Prior to the accident, I maintained a responsible payment history. Since recovering, Ive worked diligently to rebuild my financial standing and remain committed to honoring my obligations. I am asking that, in light of these extraordinary circumstances, you consider removing this repossession from my credit reports XXXX XXXX XXXX XXXX as a gesture of goodwill. Once I fully recover and complete training on driving with handicap attachments, I will regain the freedom XXXX XXXX and can seek approval for a vehicle equipped with those attachments something stylish and functional that symbolizes my comeback. I request that this account be removed and deleted. This is unfair to a true american.

Company response to consumer: Closed with explanation