vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: NV

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 XXXX 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 XXXX XXXX XXXX  Account Number 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 : {$4100.00} XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number 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 FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 XXXX 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have bad credit on all XXXX  credit reporting agencies due to a data breach from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: AZ

Complaint narrative:
I am disputing the reported late payment that appears on my credit history. This entry is false and inconsistent with my proven record of timely payments. Its continued reporting misrepresents my financial reliability and causes unjust harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the accuracy of a record appearing on my credit report. This record is the result of identity theft or other fraudulent activity, and I have no connection to the circumstances being reported. I have reviewed the details carefully and confirm that I did not authorize, initiate, or participate in any activity related to this account or record. It appears my identity has been used without my knowledge or consent.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute unauthorized accounts on my credit report. These accounts were opened without my knowledge, consent, or authorization, violating the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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 AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: DC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 XXXX 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 2025-09-17 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 am disputing the XXXX XXXX XXXX account because the furnisher has only provided credit card statements and transaction receipts, which are not sufficient evidence that this account belongs to me. The address reported is also incorrect. I have submitted an FTC Identity Theft Report ( digitally signed by the FTC ) multiple times, which Equifax has failed to properly verify in violation of FCRA 611 and 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Company was supposed to send a letter of guarantee 2 weeks ago when the did it was incorrect. The insurance company sent it back to be fixed the company has not sent a correct letter. I have made multiple calls each time they say they will submit the request, each time the insurance company does not receive the letter, there is an industry portal that is set up to make things like this easier but the company refuses to use it, further delaying the payoff and preventing me from getting a new car within the time limit I have to make federal credit cutoffs and insurance reimbursement cut offs.

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 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the fraudulent accounts reported under my credit file. These accounts are not mine, were not authorized, and their reporting is false and harmful. Their presence has created an inaccurate reflection of my financial history and unjustly damaged my creditworthiness.

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 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this dispute to address fraudulent accounts that appear on my credit report. I did not open or authorize these accounts, and their inclusion is a false representation of my financial history. This reporting is inaccurate, harmful, and unacceptable.

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 2025-09-17 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-18 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:
Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion 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 your receipt of this complaint. 

The fraudulent, inaccurate, and false information consists of personal credit card accounts opened without my knowledge or authorization, including but not limited to : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance : {$2100.00} Date : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Balance : {$1200.00} Account Opened : XX/XX/XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized accounts have also resulted in several fraudulent hard inquiries and fraudulent collections now appearing on my consumer FICO credit report. 

I have attached : A list of the hard inquiries in question A copy of my consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items A copy of FTC Identity Theft Criminal Complaint # XXXX, filed with the U.S. Federal Trade Commission, as formal proof that these accounts, collections, and inquiries are the result of identity theft and fraud I do not recognize any of the above accounts, collections, or hard inquiries. These were not opened, made, or initiated by me. They are the result of criminal identity theft, and I request that you promptly block this information from my credit report, as required under FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion 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 your receipt of this complaint. 

The fraudulent, inaccurate, and false information consists of personal credit card accounts opened without my knowledge or authorization, including but not limited to : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance : {$2100.00} Date : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Balance : {$1200.00} Account Opened : XX/XX/XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized accounts have also resulted in several fraudulent hard inquiries and fraudulent collections now appearing on my consumer FICO credit report. 

I have attached : A list of the hard inquiries in question A copy of my consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items A copy of FTC Identity Theft Criminal Complaint # XXXX, filed with the U.S. Federal Trade Commission, as formal proof that these accounts, collections, and inquiries are the result of identity theft and fraud I do not recognize any of the above accounts, collections, or hard inquiries. These were not opened, made, or initiated by me. They are the result of criminal identity theft, and I request that you promptly block this information from my credit report, as required under FCRA 605B.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
For several months, I have not been able to access online any of my approximately four accounts held at Synchrony. 

Synchrony charges for paper statements, so I elect electronic notification, even the links in the electronic notices fail. 

Some customer service reps have directed me to the website of the branded card ( eg XXXX or XXXX ). While that worked in prior months it doesnt now. 

I literally am prevented by Synchrony, from paying my bills. This issue is a known issue with many customers commenting in very online spots and trying to share their tricks for mangling this problem.

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 monetary relief
Consumer complaint received 2025-09-17 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 writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: MA

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 2025-09-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally document and express my concerns regarding the improper handling of my credit disputes by Experian prior to the year XXXX. 

Over the course of late XXXX to early XXXX, I submitted several disputes to Experian regarding inaccurate or outdated information appearing on my credit report. Despite providing supporting documentation and following the dispute process outlined by the Fair Credit Reporting Act ( FCRA ), Experian failed to investigate my disputes properly or update my credit report accordingly. 

In multiple instances, Experian either closed the disputes prematurely without conducting a reasonable investigation or claimed the information was verified without giving any clear explanation or evidence. I believe this constitutes a violation of my consumer rights under the FCRA, which mandates that consumer reporting agencies must conduct timely and reasonable investigations when a dispute is submitted. 

As a result of these unresolved inaccuracies, I experienced negative impacts to my credit score and financial standing, including [ mention any specific consequences, such as denied credit applications, higher interest rates, or emotional distress. 

I am requesting a full review of my previous disputes and a proper investigation into each item I challenged. I would also like documentation of how Experian reached its decisions in each of those cases. Additionally, I am asking that all incorrect information be corrected or removed in accordance with federal law. 

I hope this matter can be resolved promptly and fairly. Please consider this letter as a formal complaint and request for rectification of the issues Experian failed to address correctly prior to 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation