vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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.

1681c2 ) that you, the Experian 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 XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX BANK XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} 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 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has not mailed the required reinvestigation results for two disputes, added a new fraud alert after I asked to remove it, and has not honored my authorized representative despite repeated POA submissions. 

Timeline ( XXXX ) : XX/XX/XXXX My first dispute package delivered ( XXXX XXXX ). Equifax opened # XXXX and marked it Completed XX/XX/XXXX. I never received written results by mail. Calls later gave inconsistent answers ( first cant find it, then found it ), but no results were mailed. 
XX/XX/XXXX I mailed a compliance letter ( delivered XX/XX/XXXX, XXXX XXXX ) asking for mailed results for # XXXX, removal of the fraud alert, personal-info cleanup ( keep XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; remove older addresses ), and indexing of my POA for XXXX XXXX XXXX On that call Equifax gave confirmation XXXX for a full file request, which I received by mail dated XX/XX/XXXX. 
XX/XX/XXXX Equifax opened # XXXX, marked Completed XX/XX/XXXX. Again, no mailed reinvestigation results were sent. 
XX/XX/XXXX A new initial fraud alert appeared online, despite my prior removal request. 
POA/Rep My POA and XXXX XXXX ID were included in the XX/XX/XXXX and XX/XX/XXXX mailings. Agents still refuse to speak with her, saying the ID is not legible, though we sent clear enlarged color copies. 

FCRA impact : Failure to mail reinvestigation results and describe the procedure violates 15 U.S.C. 1681i ( a ) ( 6 ) & ( a ) ( 7 ) ; failure to conduct a reasonable reinvestigation and to delete/correct unverifiable information violates 1681i ( a ) & 1681i ( a ) ( 5 ) ( A ) ; failure to maintain maximum possible accuracy implicates 1681e ( b ) ; failure to remove the fraud alert on request implicates 605A.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: PA

Complaint narrative:
Unauthorized access to my credit report by several companies has harmed both my credit and score. I was previously assured these inquiries would be removed, yet they remain. This failure to act is unacceptable, raises concerns of identity theft, and continues to cause me harm.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately.

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place.

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I reviewed my Credit Report and saw that it states I owe a debt that is not mine in the amount of {$200.00} With Progression. This account is with Caine & Weiner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. 
Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
Im writing to request the of inaccurate personal information on my credit report in accordance with 15 U.S.Code 1681e ( b ) - Compliance procedures to assure maximum possible accurancy of the information. I reviewed my credit report and wish to ensure that all the information is XXXX % correct and accurate. 

The details that required correction are as follows : My name is : 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
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: VA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year>, I was the victim of online extortion. An individual contacted me online, threatened to share explicit photos of me with my family, and demanded money, he sent a screen record of their numbers and I checked to see if it was theirs and it was indeed their numbers. Under duress, I sent {$800.00} via XXXX XXXX, which was funded from my Truist account. 

After realizing I was scammed, I immediately reported the crime to law enforcement : FBI IC3 Report Number : [ insert number ] I also reported it to XXXX XXXX and Truist Bank. 
How Truist responded : I filed a fraud dispute with Truist. However, Truist denied my claim, stating the transaction was authorized and that person-to-person transfers can not be reversed. 

This ignores the fact that the payment was made under coercion/extortion, which is fraud. I was not willingly authorizing a transaction I was threatened. 

I have offered to provide the following documentation : Screenshots of threatening messages from the scammer XXXX XXXX and Truist bank transaction records FBI IC3 and police report confirmations Despite this, Truist has not reopened my case or refunded the funds. 
Why I am filing this complaint : I am requesting the CFPBs assistance in having Truist : XXXX. Reopen and investigate my dispute as a fraud/extortion case, not a standard authorized transaction. 
XXXX. Reverse the {$800.00} transaction and credit my account. 
XXXX. Provide a clear explanation of their decision-making process and what evidence they relied upon when denying my claim. 

This situation has been extremely distressing, and I am providing full documentation to support that I am a victim of fraud under duress. 
In the attachments below I also included pictures of my XXXX. I want to make clear that there was XXXX different {$800.00} transactions made but XXXX of them was sent to the extorter and the other was sent to back to me. He first wanted me to send him {$800.00} to him through XXXX so I transferred {$800.00} from my Truist bank account to my XXXX account to send to him but then he wanted me to send him the {$800.00} through XXXX XXXX, so then I sent him {$800.00} to XXXX XXXX and still had {$800.00} in XXXX. The {$800.00} that was in XXXX I transferred back to my bank account but that was after I had already sent him a separate {$800.00} through XXXX XXXX so for a moment I was down {$1600.00} but was able to get the {$800.00} that was in XXXX back but have not been able to get the {$800.00} that was sent to him. I include this because the banker that I spoke to in person was confused by this until I explained it to her. 
I have also included the messages and phone number he texted me on and the email/number he wanted me to send him the money too.

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 2025-09-11 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:
Dispute Regarding Fraudulent Accounts and Inquiries I am writing to formally dispute several fraudulent accounts and inquiries listed on my credit report due to identity theft. This correspondence is in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), which allows consumers to request the blocking of information resulting from identity theft. Attached to this letter is my identity theft report, which confirms that the accounts and inquiries listed below were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am submitting this report regarding Chase Bank. Despite informing the bank of my financial duress and my willingness to work on payment solutions, Chase closed my accounts and declined to offer any assistance. 

This response differs greatly from the support Ive received from XXXX and XXXX XXXX, who have provided flexible options and constructive cooperation. Chases refusal raises serious concerns about the fairness of its policies. 

I want to be clear : I am not without financial means I am a multi-millionaire with significant reserves. Chases decision to close accounts under these circumstances appears arbitrary and possibly influenced by algorithmic or AI-driven systems that harm ordinary American consumers and undermine trust in the banking system. 

Moreover, Chases actions have prevented me from securing a debt consolidation loan that would have enabled me to responsibly restructure obligations. Because of this, I have consulted an attorney to examine the legality of these actions and to determine the appropriate remedies. 

This is the initial filing for the case. I will be providing further details and supporting documents as they become available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. 
Please provide the following within 4 days of receipt of this letter : The source ( XXXX ) of information used to verify the disputed items. 
Documentation or evidence supporting the verification. 
A detailed explanation of your verification process. 
If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. I have attached a copy of the items claimed to be verified, along with my previous FTC report.

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 2025-09-11 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL [ ZIP ] Subject : Willful & Negligent FCRA Violations NonMetro 2 Compliant Reporting Complaint Summary I am filing this complaint because Experian, Equifax, and TransUnion are knowingly reporting false, contradictory, and nonMetro 2 compliant information on my credit file. These errors are damaging my credit reputation, blocking me from fair access to credit, and causing financial harm. 

This is not a minor oversight it is a direct and willful violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 



Accounts in Violation Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factoring/Collection Serious Inaccuracies & Contradictions 1 . Conflicting High Balances : One bureau reports {$720.00}, another reports {$0.00}. Both can not be true. 
XXXX. Different Dates of Last Activity : TU shows XX/XX/year>, EX shows XX/XX/year>, EQ shows XX/XX/year> impossible if this is the same account. 
XXXX. Contradictory Account Status : Closed on one report, Open on another. An account can not be both. 
XXXX. Misleading Remarks : Charge-off, Profit and Loss Write-off, Placed for Collection, all listed for the same debt these remarks are inconsistent and misleading. 
XXXX. Utility Account ( Equifax # XXXX ) : Reported as Open, 120 Days Late, and in Collection while showing a {$0.00} balance. This is contradictory and fraudulent reporting. 



FCRA & Consumer Law Violations FCRA 607 ( b ) : Bureaus are failing to ensure maximum accuracy.

FCRA 611 ( a ) : Items that can not be verified with 100 % accuracy must be deleted.

FCRA 602 ( a ) : I have the right to fair, accurate, and consistent reporting.

15 U.S.C. 1681i : Unverifiable and contradictory data must be removed.

Metro 2 Standards : Require uniform data reporting across all CRAs. These accounts are blatantly noncompliant.

FDCPA 15 U.S.C. 1692e : Misleading representation of debts is strictly prohibited.

This is willful noncompliance, not simple error.

Relief Demanded I am demanding the immediate deletion of the above accounts from all of my credit files. Continuing to report contradictory and unverifiable data is illegal and constitutes willful negligence under the FCRA. 

If this is not corrected, I will : Seek enforcement through the CFPB and FTC. 
Pursue legal action for damages under FCRA 616 & 617 for willful and negligent noncompliance. 
Hold the credit bureaus accountable for financial injury, defamation of credit, and reckless disregard of consumer law. 

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 non-monetary relief
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL [ ZIP ] Subject : Willful & Negligent FCRA Violations NonMetro 2 Compliant Reporting Complaint Summary I am filing this complaint because Experian, Equifax, and TransUnion are knowingly reporting false, contradictory, and nonMetro 2 compliant information on my credit file. These errors are damaging my credit reputation, blocking me from fair access to credit, and causing financial harm. 

This is not a minor oversight it is a direct and willful violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 



Accounts in Violation Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factoring/Collection Serious Inaccuracies & Contradictions 1 . Conflicting High Balances : One bureau reports {$720.00}, another reports {$0.00}. Both can not be true. 
XXXX. Different Dates of Last Activity : TU shows XX/XX/year>, EX shows XX/XX/year>, EQ shows XX/XX/year> impossible if this is the same account. 
XXXX. Contradictory Account Status : Closed on one report, Open on another. An account can not be both. 
XXXX. Misleading Remarks : Charge-off, Profit and Loss Write-off, Placed for Collection, all listed for the same debt these remarks are inconsistent and misleading. 
XXXX. Utility Account ( Equifax # XXXX ) : Reported as Open, 120 Days Late, and in Collection while showing a {$0.00} balance. This is contradictory and fraudulent reporting. 



FCRA & Consumer Law Violations FCRA 607 ( b ) : Bureaus are failing to ensure maximum accuracy.

FCRA 611 ( a ) : Items that can not be verified with 100 % accuracy must be deleted.

FCRA 602 ( a ) : I have the right to fair, accurate, and consistent reporting.

15 U.S.C. 1681i : Unverifiable and contradictory data must be removed.

Metro 2 Standards : Require uniform data reporting across all CRAs. These accounts are blatantly noncompliant.

FDCPA 15 U.S.C. 1692e : Misleading representation of debts is strictly prohibited.

This is willful noncompliance, not simple error.

Relief Demanded I am demanding the immediate deletion of the above accounts from all of my credit files. Continuing to report contradictory and unverifiable data is illegal and constitutes willful negligence under the FCRA. 

If this is not corrected, I will : Seek enforcement through the CFPB and FTC. 
Pursue legal action for damages under FCRA 616 & 617 for willful and negligent noncompliance. 
Hold the credit bureaus accountable for financial injury, defamation of credit, and reckless disregard of consumer law. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation