vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: CA

Complaint narrative:
They kept bringing my background after it been sealed since XXXX XXXX, and reasons for me not to get employed and be homeless with my XXXX children

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, submit this complaint to the Consumer Financial Protection Bureau requesting an immediate investigation into Experian, TransUnion, and Equifax ( the nationwide consumer reporting agencies ) for false and inaccurate credit reporting, failure to properly investigate disputed accounts, and unsafe and unfair practices related to the sale and monetization of unverifiable consumer data. 

Allegations Against Credit Reporting Agencies ( CRAs ) All three CRAs continue to report false, inaccurate, and unverifiable accounts despite my submitting multiple disputes with supporting documentation.

The CRAs have failed to conduct lawful and reasonable reinvestigations as required by 15 U.S.C. 1681i ( FCRA ).

They have failed to ensure the maximum possible accuracy of the information they report, as required by 15 U.S.C. 1681e ( b ). 

The ongoing reporting and sale of these false tradelines constitutes unsafe and unfair practices, and has caused me financial loss, reputational harm, and emotional distress. 

Fraudulent Accounts and Evidence of Misconduct U.S. Bank ( Mortgage Account ) Reported mortgage loan reflects no consideration and is supported only by inconsistent and unreliable documentation. 

Lack of proof of lawful funding and contradictory records suggest fraudulent reporting. 

XXXX XXXX XXXX ( Auto Loan ) Furnisher reported an auto loan and repossession despite having no consideration to support the alleged debt. 

Submitted documents show signs of forgery of a government document. 

Vehicle Purchase / Repossession Entities tied to the purchase and repossession of my vehicle acted with forged documents and no lawful authority, which constitutes fraud and unlawful repossession practices. 

Ongoing Harm My credit reports with Experian, TransUnion, and Equifax continue to contain false, unverifiable, and fraudulent accounts. 

Unauthorized inquiries, inaccurate addresses, and phone numbers remain despite disputes. 

This reporting has denied me fair access to credit, damaged my financial standing, and disrupted my personal peace and well-being. 

Legal Basis Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : 1681i Failure to reinvestigate disputed information. 

1681e ( b ) Failure to ensure maximum possible accuracy.

1681s-2 Furnishers providing information known to be inaccurate.

Unfair and deceptive acts and practices, in violation of federal consumer protection laws. 

Forgery and fraudulent records potentially implicating criminal statutes including 18 U.S.C. 1028, 1028A.

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 2025-09-22 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: MO

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 2025-09-22 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: IN

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. A 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 2025-09-22 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: IN

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. A 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: KS

Complaint narrative:
The entry reported does not fairly reflect my payment record and seems mistaken. Kindly review and delete it.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Experian, TransUnion, and Equifax regarding the XXXX XXXX XXXX loan account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which contains materially conflicting and unverifiable data across all three credit bureaus. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. 
Additionally, the account violates Metro 2 reporting standards, which require data furnishers to report tradeline information consistently and uniformly across all credit bureaus. Metro 2 guidelines prohibit contradictory metadata and payment history for the same account when sourced from a single furnisher. 
Factual Discrepancies : Account Status XXXX XXXX  TransUnion & Experian : Open XXXX Equifax : Paid Date Opened : XXXX TransUnion : XX/XX/year> Experian & Equifax : XX/XX/year> Balance : XXXX  TransUnion & Equifax : {$49000.00} XXXX  Experian : {$50000.00} Number of Months ( Terms ) XXXX XXXX TransUnion & Experian : 72 months XXXX Equifax : XXXX months Date Last Active : XXXX TransUnion : XX/XX/year>XXXX XXXX  Experian & Equifax : XX/XX/year> Payment History Conflicts : XX/XX/scrub>XXXX XXXX XXXX XXXX Equifax : 30-day late XXXX TransUnion & Experian : On-time XX/XX/year> : TransUnion : 30-day late Experian & Equifax : On-time These are not formatting errorsthey are factual contradictions that can not be reconciled or verified. The data furnished by the creditor is inconsistent and fails to meet both FCRA accuracy requirements and Metro 2 uniformity standards. Therefore, correction is not appropriate. I am demanding full deletion of this tradeline from all three credit reports.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently opened a Capital One credit card, but within two weeks, my account was closed due to difficulty in verifying my income. Since then, I've reached out multiple times and was assured that the associated fee would be waived. However, I received my statement for the third month and noticed that I am still being charged {$390.00}, despite not having the account for a full month. I believe this situation is quite unfair, and I would greatly appreciate guidance on how to resolve this issue regarding the fee. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this formal dispute regarding multiple inaccuracies on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 609 ( a ), 611, and 604. These errors have caused significant financial harm, unjust denials of credit, and emotional distress. I demand immediate correction, validation, or removal of the following accounts and inquiries : XXXX XXXX XXXX, XXXX, SC, XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX Wrong Address These addresses are incorrectly reported on my credit file. I have never resided at these locations. Misreporting addresses not only breaches FCRA Section 609 ( a ) but also exposes me to potential identity theft and limits my ability to verify my own credit history. This repeated inaccuracy suggests systemic negligence or willful misreporting by the credit reporting agency, which has caused undue stress, confusion, and financial disadvantage in obtaining housing and credit. 
XXXX XXXX XXXX XXXXXXXX, Open Date : XX/XX/XXXX, High Credit : {$0.00} Charge Off This account was fully paid and settled years ago, yet it is being reported as a charge-off. Reporting a XXXX balance account as charged off is a material inaccuracy under FCRA Section 609 ( a ) and 611. This misreporting has directly harmed my creditworthiness, causing applications for loans and other financial services to be unjustly denied. The repeated denial of credit, along with the inaccurate reporting, constitutes both a violation of my rights and economic harm that must be rectified immediately. 
XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Unpaid Balance : {$210.00} Collection This account is also being inaccurately reported as an unpaid collection. I dispute the existence, accuracy, and the amount of this alleged debt. Misreporting collection accounts directly impacts my credit score, increases my borrowing costs, and is a clear violation of FCRA Sections 609 ( a ) and 611. Immediate investigation and correction are required. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries These hard inquiries were made without my authorization or proper verification. Unauthorized inquiries are considered violations under FCRA Section 604 and can negatively affect my credit score. Repeated reporting of unauthorized inquiries demonstrates negligence or disregard for federal law, which must be addressed immediately. 
I request that each of the above accounts and inquiries be thoroughly investigated, validated, and corrected or removed from my credit report immediately. Failure to comply constitutes a violation of federal law and may result in legal action. I am providing supporting documentation to substantiate my claims.

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 2025-09-22 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: LA

Complaint narrative:
Experian and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX  inaction violates federal law and my rights as a consumer.

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 2025-09-22 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: KY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I dispute the legitimacy of credit entries reflecting accounts not established by me. Kindly perform an exhaustive audit and remove them. Documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: TX

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 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 XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXXXXXX XXXX - Account Number : XXXXXXXX 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, 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 2025-09-22 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: FL

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 : ACCOUNTS : XXXX OF XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX FUNDING - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$650.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 2025-09-22 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: TX

Complaint narrative:
Dear Experian Disputes Department, I am writing to formally request the removal of certain credit inquiries from my credit report that I did not authorize, as they are a result of identity theft. Despite my efforts to contact your automated system, I have been unable to resolve this issue through your standard channels. I have NO active nor previous accounts with ANY of these institutions. I am requesting that they be DELETED. 

Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX I have already filed a police report and a fraud alert with your agency, and I am providing copies of these reports for your reference. Please investigate this matter and remove any inquiries that are the result of identity theft. 

I kindly request a written confirmation once this action has been completed. If you need any further information or documentation, please contact me at the information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation