vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: CT

Complaint narrative:
I recently reviewed my credit reports and discovered several accounts and inquiries being reported inaccurately by the companies involved. These include multiple charge-offs and collection accounts with conflicting balances, inconsistent dates of first delinquency, and in some cases duplicate reporting of the same debt. Some accounts continue to report derogatory payment histories even after closure or settlement, which is factually impossible and misleading. There are also hard inquiries that I did not authorize and that do not appear to have a permissible purpose under the law. Despite previous disputes and requests for validation, the companies have not provided complete, verifiable documentation to support these entries, yet they remain on my reports. These reporting errors have been ongoing for months, causing harm to my credit profile and limiting my access to fair financial opportunities.

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 2025-08-12 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: CT

Complaint narrative:
I recently reviewed my credit reports and discovered several accounts and inquiries being reported inaccurately by the companies involved. These include multiple charge-offs and collection accounts with conflicting balances, inconsistent dates of first delinquency, and in some cases duplicate reporting of the same debt. Some accounts continue to report derogatory payment histories even after closure or settlement, which is factually impossible and misleading. There are also hard inquiries that I did not authorize and that do not appear to have a permissible purpose under the law. Despite previous disputes and requests for validation, the companies have not provided complete, verifiable documentation to support these entries, yet they remain on my reports. These reporting errors have been ongoing for months, causing harm to my credit profile and limiting my access to fair financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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.

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 : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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, 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 2025-08-12 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX 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 2025-08-12 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: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} 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, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: AL

Complaint narrative:
The original company was XXXX XXXX. This popped up on my credit report and I have been disputing with XXXX  and XXXX  for almost a a year. It is with Plaza Services. I have never once had any correspondence from them. Finally after numerous disputes the finally sent some papers which I assume is supposed to be the disclosures. It was supposedly signed in XXXX. It had an address I had not been at or used since XXXX. It had no signature. No information other than an IP address. I did not take a loan out at 299 %. There is no way I would ever need money that bad. I work in lending. I took out no personal loans. The only loan I had at that time was and auto loan. I requested via phone with Plaza Services bank information or some signed document showing proof a month ago and have yet to receive anything from them. I have since disputed through XXXX  again and was notified this morning there was no response to the dispute yet it still remains on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MS

Complaint narrative:
XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Credit Reporting Account Number : XXXX Dear CFPB, I am submitting this complaint to formally dispute inaccurate and incomplete information reported on my credit file by a credit reporting agency and/or the furnisher of the data. The account in question is a credit card account with the number ending in XXXX, opened on XX/XX/XXXX. 

The following issues are of concern : XXXX. * * Contradictory Payment Information * * : The credit report lists my last payment date as XX/XX/XXXX, yet the payment history for XX/XX/XXXX is blank. This inconsistency misrepresents my payment behavior. 

XXXX. * * XXXX XXXX XXXX XXXX * * : The report shows a past due amount of {$120.00} as of XX/XX/XXXX. Given the monthly payment is {$28.00}, this implies multiple missed payments. However, the payment history does not clearly reflect consecutive missed months leading up to this amount. 

XXXX. * * Missing Account Terms * * : The Terms field is left blank. As this is a credit card account, the terms should reflect its revolving nature. 

XXXX. * * Missing Creditor Information * * : The fields for Company Sold and Original Creditor are blank. If the account has not been sold, this should be clarified with Not Applicable. 

I have attempted to resolve this matter with the credit reporting agency directly, but the inaccuracies remain. These errors may negatively impact my creditworthiness and financial standing. 

I respectfully request that the CFPB investigate this matter and ensure that the credit reporting agency and data furnisher comply with the Fair Credit Reporting Act ( FCRA ) by correcting or removing the inaccurate information. 

Attached are relevant documents supporting my claim. I appreciate your attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00}

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 2025-08-12 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: TX

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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-08-12 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: TN

Complaint narrative:
I recently obtained my credit report from Equifax and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains the account XXXX XXXX XXXX and certain hard inquiries that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the account and the inquiries, causing ongoing harm. 

Equifax has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumers file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing a complaint regarding [ Goldman Sachs And Co ] and their failure to report my credit card account information to the credit bureaus in a timely manner. 

On [ XX/XX/XXXX XXXX ], I contacted the company to ask when my account ( [ Account Number : XXXX ] ) was last reported to, XXXX, and XXXX  because after reviewing my credit reports last updates were XX/XX/XXXX. I also asked the representative if they report to XXXX  because that isnt listed at all on my credit report, even though this account has been open since XXXX. The representative could not provide the date report it or which credit bureaus they report to. I requested escalation to someone who could confirm the information, but the representative stated she was the supervisor I was supervisor and there was no one else I could be transferred to and could not give me a reporting date or time frame. I proceeded to ask her in this case what could be done because Im in the process of purchasing a home I requested for a rapid re-score or an off cycle update. Once again she stated she had no idea what I was talking about. Only thing she could do is do a dispute. I asked her if that dispute would be internally within the company or externally to the credit bureaus she then proceeded once again to say she wasnt sure and she didnt know. I stated that if shes a supervisor and doesnt have those answers, it should definitely be someone else available. I could speak to her response. Was there was no one else who would have the answers. 

The Fair Credit Reporting Act ( FCRA ) requires furnishers to provide accurate and complete information to the credit bureaus on a regular basis. This account has not been updated in over [ 11 months to XXXX  and XXXX XXXX, but has never been reported to XXXX, which they state. They typically report to, and the failure to report is negatively impacting my credit profile and score. 

I am requesting that the CFPB require [ Goldman Sachs & CO ] to : 1. Provide written confirmation of their credit reporting schedule and the last date this account was reported to each bureau. 
2. Immediately report my account information to all three credit bureaus.

3. Provide a written explanation for their failure to report in a timely manner. 

I have attached call notes from [ XX/XX/XXXX ] representative stated her name was Sunny and she was a supervisor call again at XXXX XXXX  EST and ended it at XXXX XXXX  EST. I am requesting a formal investigation and resolution into this matter of the inaccuracy involving my credit report,, as well as the competence of the individual by the name of Sunny, that stated she was a supervisor That lacked proper training and resolving this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
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 : XXXXXXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
Ive called in and wrote letters asking to remove the unauthorized, inquiries off of my credit report and never got a clear response

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 2025-08-12 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: NY

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX UNIVERSITY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00}

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