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

Complaint narrative:
I was scammed and never received the car I took out a loan for. I filed a police report and submitted evidence that XXXX XXXX refunded me {$18000.00} after my CFPB complaint. I continued to pay in good faith for 2 years. The credit bureaus verified the fraudulent auto loan as valid despite clear evidence of fraud and partial refund. This is a violation of the Fair Credit Reporting Act. I am requesting full removal of this account or correction of the record due to fraud and failure to deliver goods.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since i got the XXXX card, It has never been correct and in my free time, I would call XXXX and XXXX XXXX then XXXX if I got lucky, I would find a way to contact Experian to inquire about the lack of true information. 
EACH time, I was assured and promised by XXXX people and Experian that it would be corrected within 30 days ... XXXX ALWAYS passes the buck and tells me to contact XXXX, ( beating a dead horse there ). 
I now have been rejected by XXXX dealers to buy a new car stating each time that I do not have a sufficient credit line. I have an XXXX FICO, even without the {$15000.00}. I tell them about the {$15000.00} credit line that WOULD give me the credit line I need. The car dealers say too bad, no show in FICO, no credit. Though all 3 DID offer me credit at scalper 's interest rates. 
I can get nowhere with XXXX nor XXXX or Experian and yet my other credt cards are fine and accurate. 
FYI : I have no LATE - no missed - no nothing!! take a look, 100 % in more than 11years. 
I would truly love for your office to straighten them ( whomever ) out and make my credit line as it should be and have it shown to all who have a need. 
If you need further information, PLEASE contact me via : ( TEXT - hearing impaired XXXX or XXXX or XXXX or XXXX soonest as my car is dead. Thank you, 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 2025-07-11 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

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 2025-07-11 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
I am a victim oXXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

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

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. My personal information, including my Social Security number and date of birth, was compromised in multiple data breaches, specifically involving XXXX  and XXXX. As a result of these breaches, unauthorized individuals have used my identity to open multiple fraudulent accounts and attach addresses to my credit file that I have never lived at. These accounts were opened without my knowledge or consent, and I am not responsible for them. I discovered the following accounts on my credit reports that are fraudulent or improperly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at any of these addresses and did not open any of the accounts listed above. I am requesting assistance in blocking and removing this fraudulent information from my credit reports, as provided for under the Fair Credit Reporting Act ( FCRA ) 605B. I have included a signed identity theft affidavit, proof of my identity, and proof of my current address.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

1681c-2 ) that you, the Equifax Information XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I am submitting this complaint to report violations of the Fair Credit Reporting Act ( FCRA ) resulting from the unauthorized reinsertion of a previously deleted fraudulent account on my credit report. This reinsertion occurred without the proper written notice and without identifying the furnisher, as required by law. 



Legal Violations : 1. FCRA 611 ( a ) ( 5 ) ( B ) : If a previously deleted item is reinserted, the credit reporting agency ( CRA ) must notify the consumer within 5 business days and provide the furnishers name, address, and phone number.

I was never notified of the reinsertion of the account listed below.

2. FCRA 605B : This section mandates that accounts disputed via a valid Identity Theft Report must be blocked and excluded from the consumers credit file.

Despite my FTC Identity Theft Report, the account was reinserted without explanation.

3. FCRA 609 ( a ) : Consumers have the right to know who reported information and the basis for its inclusion. 
I was not provided this required disclosure when the XXXX account was reinserted. 



Fraudulent Account Reinserted : Creditor : XXXX Account Number : XXXX Fraud Began : XX/XX/XXXX Discovered : XX/XX/XXXX This account is fraudulent and had been removed following a dispute. Its reappearance, without notice or validation, has harmed my credit and violated my rights. 



Additional Misuse of Personal Data : My personal information has been linked to an address that does not belong to me : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This inaccurate address is harming my credit report and must also be removed. 



Requested Resolution : 1. Immediate and permanent deletion of the XXXX account from all CRAs ( Experian, Equifax, TransUnion ). 
2. A written explanation of : Why the account was reinserted, Who furnished the data, Why I was not properly notified under FCRA 611 ( a ) ( 5 ) ( B ).

3. Full removal of inaccurate address information from my credit file.

4. A formal CFPB investigation into the credit reporting agencies and Discover for potential willful or negligent noncompliance with the FCRA.

5. Optional : If necessary, I reserve the right to pursue damages under : FCRA 616 ( willful violations ), FCRA 617 ( negligent noncompliance ). 



Enclosure : FTC Identity Theft Report # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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 submitting this complaint to report violations of the Fair Credit Reporting Act ( FCRA ) resulting from the unauthorized reinsertion of a previously deleted fraudulent account on my credit report. This reinsertion occurred without the proper written notice and without identifying the furnisher, as required by law. 



Legal Violations : 1. FCRA 611 ( a ) ( 5 ) ( B ) : If a previously deleted item is reinserted, the credit reporting agency ( CRA ) must notify the consumer within 5 business days and provide the furnishers name, address, and phone number.

I was never notified of the reinsertion of the account listed below.

2. FCRA 605B : This section mandates that accounts disputed via a valid Identity Theft Report must be blocked and excluded from the consumers credit file.

Despite my FTC Identity Theft Report, the account was reinserted without explanation.

3. FCRA 609 ( a ) : Consumers have the right to know who reported information and the basis for its inclusion. 
I was not provided this required disclosure when the XXXX account was reinserted. 



Fraudulent Account Reinserted : Creditor : XXXX Account Number : XXXX Fraud Began : XX/XX/XXXX Discovered : XX/XX/XXXX This account is fraudulent and had been removed following a dispute. Its reappearance, without notice or validation, has harmed my credit and violated my rights. 



Additional Misuse of Personal Data : My personal information has been linked to an address that does not belong to me : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This inaccurate address is harming my credit report and must also be removed. 



Requested Resolution : 1. Immediate and permanent deletion of the XXXX account from all CRAs ( Experian, Equifax, TransUnion ). 
2. A written explanation of : Why the account was reinserted, Who furnished the data, Why I was not properly notified under FCRA 611 ( a ) ( 5 ) ( B ).

3. Full removal of inaccurate address information from my credit file.

4. A formal CFPB investigation into the credit reporting agencies and Discover for potential willful or negligent noncompliance with the FCRA.

5. Optional : If necessary, I reserve the right to pursue damages under : FCRA 616 ( willful violations ), FCRA 617 ( negligent noncompliance ). 



Enclosure : FTC Identity Theft Report # XXXX 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 2025-07-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to file an urgent complaint as a victim of identity theft and unauthorized credit reporting practices. Despite not initiating, approving, or consenting to several credit activities, my credit report reflects a number of inaccurate addresses, unauthorized XX/XX/XXXXinquiries, and an account with false derogatory reporting. These entries are severely damaging my credit profile and reputation and were reported without my knowledge or consent. I believe my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Identity Theft and Assumption Deterrence Act have been violated. 
XXXX OF XXXX Acct : XXXX * | High Balance : {$3500.00} | Opened : XX/XX/year> Late Payments * * Issue : This account is reporting late payments that I am not responsible for. I have never had any direct servicing relationship with XX/XX/XXXXor authorized them to service this debt. These late marks are false and damaging. 
Law : XXXX FCRA XXXX and FDCPA XXXX ( XXXX ), inaccurate negative reporting must be corrected or removed, especially when involving a government-backed loan service. 
Story : I am a victim of identity misuse. The account history appears manipulated, and the reported delinquencies began long after my supposed connection to the loan. This raises red flags about data merging or fraud. The loan terms, balance, and late payment history do not match my financial history, which proves this entry is incorrect. 
These fraudulent addresses, false late payments, and unauthorized inquiries are severely impacting my creditworthiness. I have never lived at or authorized any financial activity connected to the listed addresses. The listed inquiries were not approved by me, and I did not sign or submit any applications to these companies. Additionally, I am not liable for the late payments or account history reported by XXXX OF XXXX. I am requesting a complete reinvestigation into each of these entries and the deletion of all disputed information. These inaccuracies have caused XX/XX/XXXX, denial of credit, and reputational harm. Under FCRA XXXX and XXXX ( b ), the credit bureaus and XXXX XXXX must investigate and correct or remove inaccurate, incomplete, or unverifiable information. 
I request that the CFPB take immediate action to enforce the deletion and correction of these false records, hold the reporting agencies and furnishers accountable, and ensure my consumer rights are protected. I am attaching supporting identity documents and a detailed summary of my complaint for your review. Please treat this complaint as urgent.

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

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I sent 2 letters with return receipt by mail i ask to show me proof of debt and a sign contract with ther company name and my name. They did not show it. The second Letter was a cease and desist letter. Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX is still illegally reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

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

1681c-2 ) that you, the Experian Credit XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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