vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
As someone who takes their credit profile seriously, I actively monitor my reports and ensure all entries are accurate, verifiable, and lawfully recorded. Ive disputed past errors and maintained a clean and compliant file across all three bureaus. Thats why it is incredibly alarming to discover that Equifax is reporting a long list of unauthorized and unverified hard inquiries that I did not initiate, authorize, or consent to in any capacity. 

These inquiries were not triggered by me, and I did not submit any applications that would give these entities a permissible purpose to access my credit report. Upon reviewing my Equifax credit file, I found multiple hard inquiries from financial institutions and auto lenders that I have never done business with. These entries are not only misleading they are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX These inquiries are now improperly listed on my Equifax report and are inaccurately suggesting credit-seeking behavior that I never engaged in. This misrepresentation negatively affects my credit score and creates potential issues in applying for legitimate credit. I did not authorize any of these inquiries, and Equifax has failed to provide any documentation showing that these companies had a permissible purpose under 15 U.S.C. 1681b to access my credit file.

I am not alleging identity theft, and I do not consent to a fraud alert. This is not the result of any fraudulent act
ivity on my end this is the result of Equifaxs failure to verify and validate the legitimacy of these inquiries before publishing them to my report. Equifaxs negligence in this matter is both unacceptable and unlawful. 

Equifax has a legal obligation under 15 U.S.C. 1681e ( b ) to ensure that all reported information is maintained with maximum possible accuracy. Furthermore, 15 U.S.C. 1681i requires Equifax to conduct a thorough and lawful reinvestigation of any disputed item. In this case, Equifax has failed to meet either standard, as it has continued to report multiple inquiries without evidence of consumer authorization or permissible purpose. That is a clear violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Dear, Blitt and Gaines, P.C I am exercising my right under the fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Name : Phone number : Address : Social security Number : Date of Birth

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
This is a formal complaint against EASTERN ACCOUNT SYSTEMS for violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( b ), 1681e ( b ), and 1681i ( a ). EASTERN ACCOUNT SYSTEMS is furnishing derogatory collection information to Equifax and TransUnion without validating the debt and has failed to respond appropriately to formal consumer disputes. The original creditor for this alleged debt is listed as XXXX. 

The account in question ( Account XXXX. XXXX ) was allegedly opened on XX/XX/year>, and is reporting a collection balance of {$230.00}. I have formally disputed this account through the credit reporting agencies, and in accordance with FCRA 1681s-2 ( b ), EASTERN ACCOUNT SYSTEMS was required to conduct a reasonable investigation, and either verify the debt, correct inaccuracies, or request deletion if the account could not be verified. 

To date, I have received no documentation validating this debt. EASTERN ACCOUNT SYSTEMS has not produced a billing history, service agreement, or assignment of debt documentation proving that this tradeline belongs to me and is being reported accurately. Their continued furnishing of this account without evidence constitutes a violation of 1681e ( b ), which mandates data furnishers to report only accurate and complete information. Further, their inaction following the dispute demonstrates noncompliance with 1681i ( a ), which protects the consumers right to a meaningful dispute process and requires deletion of unverified data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MI

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 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 2025-06-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, California XXXX XXXX XX/XX/year> Re : Dispute of Fraudulent Accounts - 15 U.S.C. 1681i and 1681c-2 Dear [ Credit Reporting Agency ] XXXX I, XXXX XXXX XXXX XXXX am writing to dispute the following accounts on my credit report, which I believe are the result of identity theft : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681c-2, I claim these accounts were opened without my knowledge, consent, or authorization. I did not apply for or receive any benefit from these accounts. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-30 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: PA

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 XXXX 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 PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX 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 : {$850.00} XXXX 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} INQUIRIES : XXXX Date : XX/XX/XXXX 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
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint due to an ongoing pattern of obstruction and delay by a XXXX XXXX XXXX XXXX in response to my legitimate credit report disputes. Despite my efforts to correct multiple items ranging from inaccurate payment statuses and false bankruptcy notations to fraudulent personal and employment information I continue to face the same resistance that I have previously reported to your office. 
Each time I attempt to initiate a dispute, the agency in question refuses to open an investigation by claiming the dispute does not appear to have been sent directly by me, or that I must resubmit my ID or Social Security card even though I have previously provided the necessary documentation. Most recently, on XX/XX/year>, I received yet another email stating that no action would be taken, once again citing concerns that my request may not be authorized.

The messages I receive are system-generated and contain no meaningful engagement with the information I have submitted. They are identical in tone and format, clearly cookie-cutter responses that simply restate legal language without taking action. There is no indication that anyone has reviewed my disputes, and no explanation is provided regarding which part of my submission was considered deficient. It is clear that these responses are meant to discourage consumers from exercising their rights, rather than facilitate compliance with federal law. 
This is not the first time I have filed a complaint about this exact issue. I have previously informed your office that this same agency uses these tactics to avoid initiating formal reinvestigations as required under the Fair Credit Reporting Act. The delay is not only unlawful, but also harmful to my ability to secure fair credit, employment opportunities, and financial stability. 
I am requesting that your office take immediate steps to address this repeated misconduct and compel this agency to comply with its legal obligations, including the timely and thorough reinvestigation of all disputed items. I am prepared to submit any supporting documents needed to assist in your investigation.

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 2025-06-30 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: IL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Request to block Fraudulent Information Under 15 U.S.C. 1681c-2 Dear Credit Bureau , I am writing to formally dispute the following accounts as fraudulent and request its immediate blocking and removal from my credit report in accordance with the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). 

The accounts listed below was opened or used fraudulently and is the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you block all information relating to these accounts from appearing in my credit file and removed within 4 days as required under 15 U.S.C. 1681c-2.

Please confirm in writing once the accounts listed have been removed. 

Sincerely, 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 2025-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I have contacted Carrington Mortgage several times concerning why I'm showing behind on every monthly statement, which is a different amount each time. I have reached out to the research department last year when the loan was transferred to Carrington Mortgage from XXXX. I have spoken to numerous customer service representatives, and everyone of them have a different reason why, but not showing any proof for payments not made. I made a complaint back on XX/XX/XXXX about this problem and they didn't respond until XX/XX/XXXX with a payment plan ; which at that time I was told that I was delinquent in the amount of {$7200.00}, as of XX/XX/XXXX. The payment plan for XXXX months to pay the delinquent amount, and was to start XX/XX/XXXX in the amount of {$2900.00} ; which I have been making my payments and even before then. XXXX was set up for the XXXX, conformation # XXXX by XXXX Id # XXXX, but wasn't processed till the XXXX of XXXX, which I set up the payments inadvance for the following months, XXXX and XXXX was set up by XXXX on XX/XX/XXXX, conformation # XXXX, and conf. # XXXX. XX/XX/XXXX conformation # XXXX was processed and all cleared my bank. I called in today to set up XX/XX/XXXX, and XX/XX/XXXX, conformation # 's XXXX, # XXXX in the amount of {$2900.00}, with XXXX. I asked her why I'm still owing all this money and that I know that I have overpaid, and what will happen with the overpayment, she stated it would go back on the loan if that's the case and that I would have to go through the reach search department by mail or fax which the number was given, to request an investigation ; which I filed a dispute on their website and have the conformation email. I have been given the run around every since I was from XXXX to XXXX and now Carrington, I feel that an injustice has been done on my part, discrimination, I'm XXXX XXXX XXXX, and disable ; and this nonesense has caused me more health problems due to the stress of trying to prove I shouldn't owe what they are saying, and they are reporting me months late on my mortgage which has put me in a bad light ; where I can't get refinanced to get away from them. Your consideration and kindness in a quick and favorable solution would be greatly appreciated. see the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
in accordance with the fair credit reporting experian keeps reporting XXXX XXXX, original creditor ( XXXX XXXX XXXX  ), have violated my rights. 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 states a consumer reporting agency can not furnish a account without my written instructions. 

If you look at the addresses listed on my credit report, there is no address listed at any apartments. I have never lived there, this was my son I have asked numerous times for proof and they have not sent any.

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 2025-06-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a paypal credit account for {$2000.00}. I would use it and pay it as needed. Then I had a bad experience with synchrony bank/paypal and stopped using PayPal. I order two sets of car seat covers for our my vehicles. One arrived and did not fit. I did the logical thing and tried it on the other vehicle just in case it was not labeled correctly. It did not fit that one either. 

When I called paypal/Synchronization bank they did nothing. I wanted them to help facilitate the return of the return of the item and help me get me refund since the vendor was not responding after I told them about the issue. I never received the second item and was only given a partial refund for the item I never received and was stuck with the other item that was clearly not made correctly. 

After that I stopped using paypal and I canceled the account. However, somehow and account for {$100.00} was opened on my paypal account and charged. Since I did not know of the account or use it, I did not check it. I realized the fraud when it appeared on my credit report and severely affected my credit score!

I called synchrony bank/paypal to report the fraud. They told me they would remove it from my credit reports with the agencies and close the account. The account was opened again and put on my credit report again,. It detrimentally affected my credit score agai. All this with no correspondence with me from their fraud department after I filled the form and sent it in. 

I called again filed the fraud report again. They said they would remove it from my credit and close the account again. I filled their forms again. The did not respond. It is on my credit report for the third time! 

I am in the middle of trying to get business funding, this negative and false report is affecting my ability to secure funding and save my business which save my ability to provide for my family. I need help resolving this once and for all. I am frustrated and depressed dealing with this fir a third time. I have already called the company. However, I can not wait weeks for it to be removed only to have them open another account and transfer the balance which is {$49.00}. I would pay if I made the purchase, or if someone in my household made the purchase. But we did not! 

Please help me. 
Thank you in advance.

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 2025-06-30 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: NY

Complaint narrative:
b'I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include: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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese items were added to my credit report without my consent'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief