vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: UT

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-08-28 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:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-08-28 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:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am disputing inaccurate and improperly reported accounts with multiple credit bureaus. 

XXXX XXXX This account was previously deleted from my credit reports but was later reinserted with derogatory information on TransUnion and Experian. The reinsertion occurred without the required notice within XXXX business days under the FCRA. No investigation results or documentation were provided to me to justify the reinsertion. The account is reported as a charge-off with an unpaid balance of {$10000.00}, last reported on XX/XX/2025, but it contains inconsistent dates of last activity and payment history across bureaus. 

XXXX XXXX XXXX ( XXXX XXXX : XXXX ) This account was reported to all three credit bureaus as a collection with a balance of {$2200.00}, last reported on XX/XX/2025. I previously disputed this account for inaccuracies, but no proper investigation was conducted. The bureaus failed to provide verification or results of any investigation within the required 30 days. The reporting continues to reflect inaccurate information, including inconsistent payment history and activity dates. 

Credit Inquiries My reports also show inquiries that I did not authorize or initiate, such as XXXX and XXXX XXXX on TransUnion . Despite my disputes, these inquiries remain on file without any notice of investigation results or removal. 

Overall, the credit bureaus and furnishers failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to ( 1 ) conduct a proper investigation within 30 days, ( 2 ) provide verification or deletion of inaccurate accounts, and ( 3 ) give notice of reinsertion of previously deleted information. 

I am requesting that the CFPB require the credit bureaus and furnishers to : Delete the XXXX XXXX and XXXX XXXX accounts unless they can provide full, verifiable documentation of the alleged debts. 

Remove unauthorized inquiries that were not initiated by me. 

Provide proof of compliance with FCRA deadlines and reinsertion requirements.

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 2025-08-28 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: AL

Complaint narrative:
I am disputing inaccurate and improperly reported accounts with multiple credit bureaus. 

XXXX XXXX This account was previously deleted from my credit reports but was later reinserted with derogatory information on TransUnion and Experian. The reinsertion occurred without the required notice within XXXX business days under the FCRA. No investigation results or documentation were provided to me to justify the reinsertion. The account is reported as a charge-off with an unpaid balance of {$10000.00}, last reported on XX/XX/2025, but it contains inconsistent dates of last activity and payment history across bureaus. 

XXXX XXXX XXXX ( XXXX XXXX : XXXX ) This account was reported to all three credit bureaus as a collection with a balance of {$2200.00}, last reported on XX/XX/2025. I previously disputed this account for inaccuracies, but no proper investigation was conducted. The bureaus failed to provide verification or results of any investigation within the required 30 days. The reporting continues to reflect inaccurate information, including inconsistent payment history and activity dates. 

Credit Inquiries My reports also show inquiries that I did not authorize or initiate, such as XXXX and XXXX XXXX on TransUnion . Despite my disputes, these inquiries remain on file without any notice of investigation results or removal. 

Overall, the credit bureaus and furnishers failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to ( 1 ) conduct a proper investigation within 30 days, ( 2 ) provide verification or deletion of inaccurate accounts, and ( 3 ) give notice of reinsertion of previously deleted information. 

I am requesting that the CFPB require the credit bureaus and furnishers to : Delete the XXXX XXXX and XXXX XXXX accounts unless they can provide full, verifiable documentation of the alleged debts. 

Remove unauthorized inquiries that were not initiated by me. 

Provide proof of compliance with FCRA deadlines and reinsertion requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If XXXX  can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-08-28 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:
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 ] 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 non-monetary relief
Consumer complaint received 2025-08-28 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: UT

Complaint narrative:
I've had two lawsuits go missing for several years and it seems to be by hacking my phone and pretending to be me using my identity people I once trusted been able to go behind the scenes and alter my credit files my banking account information and take loans out pretending to be me misspelled names and looks like me or accessing loan money without my knowledge by using my identity and email account and never disclosing this to me I've never been able to get a credit report or receive accurate information and that has allowed this to continue someone taking over my finances without my knowledge and I'd like it to stop and my money be returned to me before all this began in 2011

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 2025-08-28 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: UT

Complaint narrative:
I've had two lawsuits go missing for several years and it seems to be by hacking my phone and pretending to be me using my identity people I once trusted been able to go behind the scenes and alter my credit files my banking account information and take loans out pretending to be me misspelled names and looks like me or accessing loan money without my knowledge by using my identity and email account and never disclosing this to me I've never been able to get a credit report or receive accurate information and that has allowed this to continue someone taking over my finances without my knowledge and I'd like it to stop and my money be returned to me before all this began in 2011

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-28 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
information reported to consumer reporting agencies. Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), data furnishers must ensure that information they provide is complete and accurate. 
Upon careful review of my credit report, I identified the following concerning entries : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$780.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$780.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2400.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/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 non-monetary relief
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
This 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 - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$27000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$32000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$62000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX CARD - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, 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 2025-08-28 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 had an alleged debt of around {$760.00} through synchrony bank. It was then bought or allowed to be collected by XXXX XXXX XXXX. I then sent a letter of cease and desist to both them and XXXX  requesting verification of all the account, payments ect. through certified mail. I never received any info or mail back on the account from either sources. I then went again my better judgement and paid the settlement in full for less than thr ballance owed allegedly. My XXXX, and transition both reflect a XXXX ballance now on the XXXX  XXXX XXXX account. However, they have not updated with Experian. I have disputed it with Experian more than once after paying and providing proof of XXXX ballance just for them to not investigate properly and complete the dispute with no changes to the account.

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