vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I face multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the XXXX data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXXXXXX Balance : {$870.00} Date XXXX XXXX ) XXXX XXXX XXXX : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX XXXX : XXXX Date XXXX XXXX ) XXXX XXXX XXXX XXXX : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX INCORRECT NAMES LISTED : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES LISTED : XXXX ) XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX, Blocking Access, and Reinsertion of Fraudulent Tradeline I am filing this complaint against Equifax due to their mishandling of my disputes related to XXXX XXXX XXXX  account XXXX ( SOC ). I initially disputed the inaccurate XXXX tradeline on XXXX, and Equifax deleted it four times before reinserting it without proper validation.

Despite my submission of an FTC Identity Theft Report, notarized affidavit, and supporting documentation, Equifax accepted an incomplete, redacted validation packet from XXXX, which lacked the required MO ARB 553 document and cut off my signature. Instead of conducting a reasonable reinvestigation as required under FCRA 1681i, Equifax marked the tradeline as verified and later blocked me from submitting further disputes, stating the account was already in dispute even after the investigation was completed on XXXX. 

An Equifax specialist even told me to contact XXXX directly to ask why they kept reinserting the tradeline, which is Equifaxs responsibility to investigate. This violates my rights under the Fair Credit Reporting Act, including FCRA 1681e ( b ) and 1681i ( a ).

Equifaxs refusal to properly investigate, combined with their repeated reinsertion of this fraudulent tradeline, has caused significant harm to my credit profile, financial opportunities, and emotional well-being. 

I am requesting that Equifax : Delete the inaccurate XXXX XXXX XXXX tradeline immediately. Conduct a full manual reinvestigation of this dispute using all evidence provided. Remove the already in dispute block and allow me to continue defending my rights. Provide written confirmation of these corrections. 

This mishandling of my dispute is egregious and will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TN

Complaint narrative:
Equifax is reporting credit inquiries that were made under an incorrect or fraudulent Social Security XXXX not belonging to me. I have already submitted a formal identity theft dispute, including : My FTC Identity Theft Report Proof of my identity and address Equifax failed to block the fraudulent information within the required timeline. Their response ignored the identity theft evidence and provided a generic explanation that inquiries are a matter of fact, without addressing the core issue : these were unauthorized inquiries made under false or stolen identity information. 

This failure to conduct a reasonable investigation and to block disputed information constitutes a willful violation of the Fair Credit Reporting Act under 15 U.S.C. 1681n ( a ) ( 1 ).

I am requesting A corrected copy of my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-01 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-01 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: MI

Complaint narrative:
I am a victim of identity theft and have discovered numerous fraudulent accounts and unauthorized inquiries on my credit reports. I am submitting this complaint to request assistance with having these fraudulent accounts and inquiries blocked and removed under federal law ( 15 U.S.C. 1681c-2 ). I have prepared a detailed dispute letter outlining the fraudulent items and my supporting documents. Please see the attached letter for full details.

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 2025-06-01 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: MI

Complaint narrative:
I am a victim of identity theft and have discovered numerous fraudulent accounts and unauthorized inquiries on my credit reports. I am submitting this complaint to request assistance with having these fraudulent accounts and inquiries blocked and removed under federal law ( 15 U.S.C. 1681c-2 ). I have prepared a detailed dispute letter outlining the fraudulent items and my supporting documents. Please see the attached letter for full details.

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 2025-06-01 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2025-06-01 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: NJ

Complaint narrative:
I am rejecting this response because : XXXX XXXX XXXX recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted XXXX XXXX XXXX, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. XXXX XXXX XXXX  failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. XXXX XXXX XXXX  continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that XXXX XXXX XXXX adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a quarantee that my consumer rights will be respected moving forward

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 2025-06-01 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: CA

Complaint narrative:
I am writing to formally dispute and report what I believe to beunauthorized access, misuse, or unlawful disclosure of my confidential student loan informationby XXXX XXXX, DOGE, and/or affiliated entities. This conduct raises serious concerns under multiple federal laws, including but not limited to : 1. The Family Educational Rights and Privacy Act ( FERPA ) Protects the privacy of student education records.

2. The Gramm-Leach-Bliley Act ( GLBA ) Requires financial institutions to safeguard sensitive data.

3. The Fair Credit Reporting Act ( FCRA ) Governs the accuracy and use of credit information.

4. Consumer Protection Laws Prohibit deceptive or unfair business practices. 
Summary of Violations I became aware that my private student loan information may have beenaccessed, shared, or exploited without my consentin connection with XXXX XXXX, DOGE, or related parties. This unauthorized access has caused mefinancial harm, emotional distress, and damage to my credit reputation. 

Demand for Remedies Given the severity of these violations, I demand the followingimmediate corrective actions : 1. Full Student Loan Discharge My federal and/or private student loans must beforgiven in fulldue to the unlawful access and misuse of my data.

2. Removal from Credit Reports All negative reporting related to these student loans must bepermanently deletedfrom my credit files with all three major credit bureaus ( Experian, XXXX XXXX XXXX ). 
XXXX. Investigation & Transparency A full investigation into how my data was accessed, including : * A written explanation of the breach. 
* Confirmation that any improperly obtained data has beendestroyed.

* Disclosure of any third parties that received my information.

4. Financial Compensation If applicable, reimbursement for any damages, including but not limited to : * Credit repair costs.

* Emotional distress. 
* Legal fees incurred due 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and report what I believe to beunauthorized access, misuse, or unlawful disclosure of my confidential student loan informationby XXXX XXXX, DOGE, and/or affiliated entities. This conduct raises serious concerns under multiple federal laws, including but not limited to : 1. The Family Educational Rights and Privacy Act ( FERPA ) Protects the privacy of student education records.

2. The Gramm-Leach-Bliley Act ( GLBA ) Requires financial institutions to safeguard sensitive data.

3. The Fair Credit Reporting Act ( FCRA ) Governs the accuracy and use of credit information.

4. Consumer Protection Laws Prohibit deceptive or unfair business practices. 
Summary of Violations I became aware that my private student loan information may have beenaccessed, shared, or exploited without my consentin connection with XXXX XXXX, DOGE, or related parties. This unauthorized access has caused mefinancial harm, emotional distress, and damage to my credit reputation. 

Demand for Remedies Given the severity of these violations, I demand the followingimmediate corrective actions : 1. Full Student Loan Discharge My federal and/or private student loans must beforgiven in fulldue to the unlawful access and misuse of my data. 
2. Removal from Credit Reports All negative reporting related to these student loans must bepermanently deletedfrom my credit files with all three major credit bureaus ( XXXX Equifax, and XXXX XXXX 
3. Investigation & Transparency A full investigation into how my data was accessed, including : * A written explanation of the breach.

* Confirmation that any improperly obtained data has beendestroyed.

* Disclosure of any third parties that received my information.

4. Financial Compensation If applicable, reimbursement for any damages, including but not limited to : * Credit repair costs. 
* Emotional distress. 
* Legal fees incurred due to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rozlin Financial Group, Inc.
State: DC

Complaint narrative:
I am writing regarding Account beginning with XXXX, which appears on my credit report. I do not recognize this debt and was not given the opportunity to dispute it as required under the Fair Debt Collection Practices Act ( FDCPA ). 

If you believe that proper notification was provided, please supply documentation showing delivery via certified mail, including a signed receipt as proof. If you are unable to provide this verification, I respectfully request that you immediately remove this account from my credit report.

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 2025-06-01 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:
I am writing to formally dispute the inclusion of the following account on my credit report, as it does not belong to me and I have no knowledge of it : Account Name : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reason for Dispute : I have never opened this account, This account is a result of identity theft, I request that you investigate this matter and remove the account from my credit report. Enclosed are copies of my credit report highlighting the disputed account, along with any supporting documentation to assist in your investigation. 

Please inform me of the outcome of your investigation and provide an updated copy of my credit report reflecting the removal of this account. 

I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents. 

Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2025-06-01 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 dispute the inclusion of the following account on my credit report, as it does not belong to me and I have no knowledge of it : Account Name : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reason for Dispute : I have never opened this account, This account is a result of identity theft, I request that you investigate this matter and remove the account from my credit report. Enclosed are copies of my credit report highlighting the disputed account, along with any supporting documentation to assist in your investigation. 

Please inform me of the outcome of your investigation and provide an updated copy of my credit report reflecting the removal of this account. 

I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief