vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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 filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit XXXX to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I file disputes for money being taken from my account and they do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
i found an inaccurate negative item on my credit report. i contacted the furnisher, received no verifiable response, and i and requesting a full investigation under the fair credit reporting act, { fcra }. please remove this unverifiable item. '

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 2025-06-23 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: OH

Complaint narrative:
What happened ( statement of pertinent facts ) : Identity Theft Report No. : XXXX. Consumer Name : ( Private ) Consumer SSN : ( Private ) Consumer DOB : ( Private ). I am submitting this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block within four ( 4 ) business days the fraudulent information listed below, which appears on my consumer credit report as a result of identity theft. These accounts were not opened, used, or authorized by me in any way and are entirely false. The fraudulent accounts include : XXXX opened XX/XX/XXXX, amount {$290.00} ; XXXX XXXX XXXX XX/XX/XXXX, amount {$1500.00} ; XXXX XXXX XXXX  XXXX XX/XX/XXXX, amount {$1000.00} ; XXXX XXXX XXXX XX/XX/XXXX, amount {$3200.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX, amount {$300.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX, amount {$2400.00} ; XXXX XXXX XXXX XX/XX/XXXX, amount {$450.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX, amount {$1000.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX, amount {$12000.00} ; XXXX XXXX XXXX XX/XX/XXXX, amount {$320.00} ; No Name opened XX/XX/XXXX, amount {$600.00} ; and XXXX opened XX/XX/XXXX, amount {$520.00}. These unauthorized accounts have resulted in multiple fraudulent hard inquiries and derogatory remarks that have severely harmed my credit scores and overall financial standing. I do not recognize these accounts or have any relationship with the companies listed. Attached are supporting documents including a copy of my FTC Identity Theft Report ( XXXX XXXX. XXXX ) confirming these items are due to identity theft, and a current credit report with the fraudulent accounts and inquiries highlighted. Under my rights granted by the FCRA and FDCPA, I demand that TransUnion, Equifax, and Experian ( 1 ) block and remove each of the above accounts and any related inquiries or collections from my credit file, and ( 2 ) cease all collection activity associated with these fraudulent accounts. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: OH

Complaint narrative:
What happened ( statement of pertinent facts ) : Identity Theft Report No. : XXXX. Consumer Name : ( Private ) Consumer SSN : ( Private ) Consumer DOB : ( Private ). I am submitting this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block within four ( 4 ) business days the fraudulent information listed below, which appears on my consumer credit report as a result of identity theft. These accounts were not opened, used, or authorized by me in any way and are entirely false. The fraudulent accounts include : XXXX opened XX/XX/XXXX, amount {$290.00} ; XXXX XXXX XXXX XX/XX/XXXX, amount {$1500.00} ; XXXX XXXX XXXX  XXXX XX/XX/XXXX, amount {$1000.00} ; XXXX XXXX XXXX XX/XX/XXXX, amount {$3200.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX, amount {$300.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX, amount {$2400.00} ; XXXX XXXX XXXX XX/XX/XXXX, amount {$450.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX, amount {$1000.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX, amount {$12000.00} ; XXXX XXXX XXXX XX/XX/XXXX, amount {$320.00} ; No Name opened XX/XX/XXXX, amount {$600.00} ; and XXXX opened XX/XX/XXXX, amount {$520.00}. These unauthorized accounts have resulted in multiple fraudulent hard inquiries and derogatory remarks that have severely harmed my credit scores and overall financial standing. I do not recognize these accounts or have any relationship with the companies listed. Attached are supporting documents including a copy of my FTC Identity Theft Report ( XXXX XXXX. XXXX ) confirming these items are due to identity theft, and a current credit report with the fraudulent accounts and inquiries highlighted. Under my rights granted by the FCRA and FDCPA, I demand that TransUnion, Equifax, and Experian ( 1 ) block and remove each of the above accounts and any related inquiries or collections from my credit file, and ( 2 ) cease all collection activity associated with these fraudulent accounts. Thank you for your immediate attention to 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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want hard copies and signatures that I acquired this debt.

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 2025-06-23 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: TN

Complaint narrative:
On or around XXXX XXXX XXXX, and other listed dates, several hard inquiries were reported to my credit file with Equifax without my knowledge, consent, or authorization. The following companies are listed as initiators of these unauthorized inquiries : XXXX XXXX, XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX At no point did I apply for credit with these entities or authorize a hard inquiry. I have not provided written or verbal consent for these companies to access my consumer report. These inquiries were not initiated by me, nor were they connected to any business transaction or application that I am aware of.

I

am requesting a full investigation into these inquiries, including disclosure of the purpose, method, and authorization claimed by each company. I have reason to believe that these may have been submitted erroneously or as part of an unauthorized sharing of my consumer data. In accordance with the Fair Credit Reporting Act ( FCRA ), inquiries not initiated by the consumer or made without a permissible purpose must be removed. I have filed a complaint with the FTC and am now formally requesting that these inquiries be deleted from my credit report and that corrective action be taken against any company found in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
Hi, I submitted several disputes with Equifax, only to receive notifications that the dispute was resolved in 2 days.

1 ) They did not fix the error 2 ) There is no way that Experian conducted a complete dispute investigation, because I recently contacted the creditor ( XXXX  XXXX XXXX XXXX XXXX who reported me wrongly, and the agent said that they are still investigating and have not spoken to any credit agencies. 

This tells me that the dispute with Equifax was not done properly or at all. And now I may need to hire a lawyer. This is going to ruin my life if not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. As outlined under the Fair Credit Reporting Act ( FCRA ) 604, a credit bureau may only furnish a consumer report when a permissible purpose exists and the consumer has provided explicit authorization. I have not applied for credit nor authorized inquiries from many of the listed entities below.

Please see the following list of unauthorized inquiries currently reflected on my credit file : TransUnion Inquiries ( Unauthorized ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX Experian Inquiries ( Unauthorized ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX Equifax Inquiries ( Unauthorized ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate any credit applications with these entities and therefore did not authorize these inquiries. 
If the furnishers can not provide documented proof that I granted permission, then in accordance with FCRA XXXX ( a ) and XXXX ( a ), I request that the inquiries be immediately deleted from my credit file. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation once your investigation is complete.

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 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Attached is a copy of my identity theft report. The following inquiries listed in the identity theft report are fraudulent and were applied for without my conscent all inquiries listed on my transunion report need to be removed immediately I was also a victim of identity theft through XXXX  data breech. 

Transunion Fraudulent Inquiries 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 non-monetary relief
Consumer complaint received 2025-06-23 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:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to get credit. Its my understanding that you look into this kind of thing to make sure everything is accurate. 

Heres the item Im askin you to verify as accurate : XXXX XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to get credit. Its my understanding that you look into this kind of thing to make sure everything is accurate. 

Heres the item Im askin you to verify as accurate : XXXX XXXX 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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Problem The credit bureaus are providing incorrect information, and they are deliberately breaking the law. I am sending all information, including letters and communications, via the CFPB to prove that I am sending and they are receiving my request to stop reporting wrong information. receiving them. Additionally, I am sending via USPS certified letter every week because of their recklessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I made a dispute with company XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX requestion debt verification and proof of contract between me and this company this dispute is date and sent on XX/XX/year> I still from today I havent received anything from them this debt is not mines of was open without my consent and I need this issue to be resolve asoonest possible since is really affecting me

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 2025-06-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A XXXX  ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-06-23 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: NC

Complaint narrative:
A XXXX  ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: PR

Complaint narrative:
I am disputing a XXXX XXXX credit card account that was closed and charged off in XXXX. The charge-off amount was {$3800.00}. My last payment on the account was made on XX/XX/XXXX, and no further activity has occurred since then.

Despite this, Equifax continues to report the account as Late or Charged Off every month through XXXX, XXXX, and even XX/XX/XXXX. This is misleading and inaccurate. A charge-off is a one-time event, and there is no valid reason to show continuous monthly delinquencies on a closed account with no activity for over 3 years.

I disputed this account directly with Equifax and requested documentation to justify the continued reporting. Equifax responded by updating minor account fields, but failed to correct the core issue or provide verification as required by the Fair Credit Reporting Act ( FCRA ).

I am asking the CFPB to investigate this matter and ensure that all inaccurate entries from XXXX onward are removed, or that the entire account be deleted if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
I never received a XXXX for the charged off 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
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
I never received a XXXX for the charged off 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
Consumer complaint received 2025-06-23 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:
I never received a XXXX for the charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$350.00} XXXX XX/XX/year>

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