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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
A XXXX account that originally opened in XXXX was removed from my credit report in XX/XX/XXXX after a successful dispute. In XX/XX/XXXX, the same account reappeared on my credit report with the account open date changed to XX/XX/XXXX, and the account number changed. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 605 ( a ), 605 ( c ), and 623 ( a ) ( 1 ) ( A ).

Instead of removing the re-aged account and restoring my credit score ( which dropped from XXXX to XXXX overnight ), the credit bureaus reported the account as in collections through XXXX, which is not legally allowed for a debt from XXXX. 

I submitted a formal dispute and escalation to the credit bureaus. They responded stating the furnisher verified the account but failed to address the re-aging, account number change, or illegal date extension.

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: FL

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 Services , 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

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 XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy XXXX XXXXXXXX - 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account Number ( last 4 digits ) : XXXX / XXXX / XXXX CFPB Case Number : XXXX Dear XXXX XXXX XXXX XXXX am writing in response to your complaint filed with the Consumer Financial Protection Bureau ( CFPB ). We received the complaint on XX/XX/XXXX. As we understand it, you expressed concern that the XXXX XXXX XXXX XXXX XXXX  account was opened without your authorization and have requested it be removed from your credit report. We appreciate you sharing your feedback with us and hope the information below will help to address your concern. We have thoroughly reviewed the XXXX XXXX XXXX XXXX XXXX  account ending in XXXX. Our records show this account was opened on XX/XX/XXXX, and was originally serviced by XXXX XXXX  before transferring to XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. During our investigation, we found that all information used to open this account was verified through banking tools and public records. The address listed on your ID Theft Report matches the address we have on file for this account and is where card materials have been sent. Additionally, the phone number listed on your ID Theft Report matches the number on file for this account. Our records show calls were made from this number to our customer service department on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  to inquire about a replacement card and to make a payment. The account statements reflect regular payment and transaction activity since opening. On XX/XX/XXXXXXXX  we issued a replacement card ending in XXXX, which replaced the previous card ending in XXXX. On XX/XX/XXXXXXXX  we issued a replacement card ending in XXXX, which replaced the previous card ending in XXXX. Based on our comprehensive investigation, we have determined that this account appears to be valid and legitimately opened. As such, we are unable to remove the account from your credit report at this time. If you believe incorrect information is reporting to the bureaus, you may file a dispute directly with the agency reporting the information. For your convenience the following is the contact information for the three major credit bureaus : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX www.experian.com/XXXX  XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX If you believe you have additional information that could help us further investigate this matter, please contact our Fraud Investigations team at XXXX. Thank you for giving us the opportunity to address your concern. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CC : Consumer Financial Protection Bureau

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account Number ( last 4 digits ) : XXXX / XXXX / XXXX CFPB Case Number : XXXX Dear XXXX XXXX : I am writing in response to your complaint filed with the Consumer Financial Protection Bureau ( CFPB ). We received the complaint on XX/XX/XXXX. As we understand it, you expressed concern that the XXXX XXXX XXXX XXXX XXXX  account was opened without your authorization and have requested it be removed from your credit report. We appreciate you sharing your feedback with us and hope the information below will help to address your concern. We have thoroughly reviewed the XXXX XXXX XXXX XXXX XXXX account ending in XXXX. Our records show this account was opened on XX/XX/XXXX, and was originally serviced by XXXX XXXX  before transferring to XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. During our investigation, we found that all information used to open this account was verified through banking tools and public records. The address listed on your ID Theft Report matches the address we have on file for this account and is where card materials have been sent. Additionally, the phone number listed on your ID Theft Report matches the number on file for this account. Our records show calls were made from this number to our customer service department on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  to inquire about a replacement card and to make a payment. The account statements reflect regular payment and transaction activity since opening. On XX/XX/XXXX we issued a replacement card ending in XXXX, which replaced the previous card ending in XXXX. On XX/XX/XXXX we issued a replacement card ending in XXXX, which replaced the previous card ending in XXXX. Based on our comprehensive investigation, we have determined that this account appears to be valid and legitimately opened. As such, we are unable to remove the account from your credit report at this time. If you believe incorrect information is reporting to the bureaus, you may file a dispute directly with the agency reporting the information. For your convenience the following is the contact information for the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX www.transunion.com If you believe you have additional information that could help us further investigate this matter, please contact our Fraud Investigations team at XXXX. Thank you for giving us the opportunity to address your concern. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CC : Consumer Financial Protection Bureau

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account Number ( last 4 digits ) : XXXX / XXXX / XXXX CFPB Case Number : XXXX Dear XXXX XXXX XXXX I am writing in response to your complaint filed with the Consumer Financial Protection Bureau ( CFPB ). We received the complaint on XX/XX/XXXX. As we understand it, you expressed concern that the XXXX XXXX XXXX XXXX XXXX  account was opened without your authorization and have requested it be removed from your credit report. We appreciate you sharing your feedback with us and hope the information below will help to address your concern. We have thoroughly reviewed the XXXX XXXX XXXX XXXX XXXX  account ending in XXXX. Our records show this account was opened on XX/XX/XXXX, and was originally serviced by XXXX XXXX  before transferring to XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. During our investigation, we found that all information used to open this account was verified through banking tools and public records. The address listed on your ID Theft Report matches the address we have on file for this account and is where card materials have been sent. Additionally, the phone number listed on your ID Theft Report matches the number on file for this account. Our records show calls were made from this number to our customer service department on XX/XX/XXXX and XX/XX/XXXXXXXX  to inquire about a replacement card and to make a payment. The account statements reflect regular payment and transaction activity since opening. On XX/XX/XXXXXXXX  we issued a replacement card ending in XXXX, which replaced the previous card ending in XXXX. On XX/XX/XXXX we issued a replacement card ending in XXXX, which replaced the previous card ending in XXXX. Based on our comprehensive investigation, we have determined that this account appears to be valid and legitimately opened. As such, we are unable to remove the account from your credit report at this time. If you believe incorrect information is reporting to the bureaus, you may file a dispute directly with the agency reporting the information. For your convenience the following is the contact information for the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX www.equifax.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you believe you have additional information that could help us further investigate this matter, please contact our Fraud Investigations team at XXXX. Thank you for giving us the opportunity to address your concern. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CC : Consumer Financial Protection Bureau

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
b'I am submitting this complaint because I am the victim of identity theft: three accountsXXXX XXXX XXXX XXXX XXXX  opened XXXX XXXX XXXX XXXX XXXX  opened XXXX), and XXXX XXXX opened XXXX) , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Duplicate Reporting) XXXX XXXX were fraudulently opened without my knowledge or consent and are presently reported by TransUnion as charge-offs/collections. On XXXX XXXX XXXX  I mailed TransUnion an Identity Theft Report from IXXXX (FTC Confirmation XXXX XXXX and a police report from the XXXX XXXX XXXX (Report # XXXX XXXX), yet the bureau has neither blocked nor removed the accounts, in clear violation of FCRA  605B (15 U.S.C.  1681c-2), which requires a block within four business days, and  623(a)(1)(A),  623(a)(6), and  611(b), which bar the reporting of information known to be inaccurate and mandate a thorough reinvestigation within 4 days of this notice. TransUnions failure to act has damaged my credit, cost me a crucial car-loan refinance, inflated my insurance premiums, and caused significant emotional and financial XXXX  for my family. I respectfully ask the CFPB to compel TransUnion to (1) immediately block and permanently delete these fraudulent accounts, (2) provide written confirmation and an updated credit score, and (3) explain in writing the procedures used in handling my dispute, ensuring full compliance with the Fair Credit Reporting Act.'

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to emphasize that this complaint is legitimate and not submitted in error. My credit report contains inaccurate information that does not meet the federally required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial and personal well-being during an already challenging time.

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: 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: NC

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 Services , block information appearing on my consumer credit report that is the result of identity theft and fr
aud 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 : XXXXXXXX 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 XXXXXX/XX/year>, Balance : {$00.00} 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 XXXXXX/XX/year>, Balance : {$550.00}

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: CA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: 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 Services , 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 Address : XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief