vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
This complaint is not being submitted in error let me be absolutely clear. My credit report contains inaccurate information that violates the federally mandated standard of maximum possible accuracy. These errors are causing ongoing and substantial harm to my financial stability and overall well-being.

This situation is placing an undue and unjust burden on me, particularly during an already difficult time.

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 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-30 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: EQUIFAX, INC.
State: IL

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 ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX Subject : URGENT IDENTITY THEFT DISPUTE Deletion of Fraudulent Accounts and Inquiries under FCRA 605B & Related Laws To Whom It May Concern, I am writing to formally dispute and demand the permanent removal of fraudulent accounts and inquiries that have been reported on my credit file due to identity theft, which I have documented in the official FTC Identity Theft Report # XXXX, submitted under penalty of perjury. 

The fraudulent mobile phone account reported by XXXX XXXX XXXX XXXX, opened in XX/XX/XXXX, is not mine. I discovered this fraudulent account in XX/XX/XXXX and have provided supporting documentation, including the identity theft report and confirmation that my personal data was compromised in the Equifax, TransUnion, Experian, XXXX, and XXXX breaches. These breaches directly facilitated the unauthorized use of my information. 

Furthermore, I dispute the XXXX XXXX XXXX inquiry dated XX/XX/XXXX, as I did not authorize this credit access. Under 15 U.S. Code 1681b ( c ), a hard inquiry without my consent violates my rights under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), I request : 1. Immediate blocking and permanent deletion of the XXXX XXXX XXXX XXXX account from my credit file. 
2. Removal of the unauthorized inquiry from XXXX XXXX XXXX  .

3. A reinvestigation and written confirmation that these items have been removed within the required 4 business days under federal law.

If these fraudulent items are not deleted promptly, I will be forced to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), Ohio Attorney General, and consider civil litigation under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Sincerely, XXXX XXXX XXXX Without Prejudice

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 2025-07-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX Subject : URGENT IDENTITY THEFT DISPUTE Deletion of Fraudulent Accounts and Inquiries under FCRA 605B & Related Laws To Whom It May Concern, I am writing to formally dispute and demand the permanent removal of fraudulent accounts and inquiries that have been reported on my credit file due to identity theft, which I have documented in the official FTC Identity Theft Report # XXXX, submitted under penalty of perjury. 

The fraudulent mobile phone account reported by XXXX XXXX XXXX XXXX, opened in XX/XX/XXXX, is not mine. I discovered this fraudulent account in XX/XX/XXXX and have provided supporting documentation, including the identity theft report and confirmation that my personal data was compromised in the Equifax, TransUnion, Experian, XXXX, and XXXX breaches. These breaches directly facilitated the unauthorized use of my information. 

Furthermore, I dispute the XXXX XXXX XXXX inquiry dated XX/XX/XXXX, as I did not authorize this credit access. Under 15 U.S. Code 1681b ( c ), a hard inquiry without my consent violates my rights under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), I request : 1. Immediate blocking and permanent deletion of the XXXX XXXX XXXX XXXX account from my credit file. 
2. Removal of the unauthorized inquiry from XXXX XXXX XXXX  .

3. A reinvestigation and written confirmation that these items have been removed within the required 4 business days under federal law.

If these fraudulent items are not deleted promptly, I will be forced to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), Ohio Attorney General, and consider civil litigation under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Sincerely, XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX KS XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXXXXXX XXXX XXXXXXXX This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-07-30 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX KS XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXXXXXX XXXX XXXXXXXX This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I discovered a federal XXXX student loan reported on my credit report that I never took out, never authorized, and have no knowledge of. The account shows a balance of approximately {$2500.00} and is marked as in collection despite being closed. I believe this is a case of identity theft or administrative error. I have filed a police report and disputed this with the loan servicer, but the account remains on my credit report, negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) ( A ) and 611, I have the right to request full verification and reinvestigation of this disputed account. Under FCRA 623, furnishers must report only accurate information and correct or delete any inaccuracies once notified of a dispute. If the loan servicer or creditor can not provide documentation verifying the loans validity, this account must be deleted immediately.

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 2025-07-30 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: CA

Complaint narrative:
I discovered a federal XXXX student loan reported on my credit report that I never took out, never authorized, and have no knowledge of. The account shows a balance of approximately {$2500.00} and is marked as in collection despite being closed. I believe this is a case of identity theft or administrative error. I have filed a police report and disputed this with the loan servicer, but the account remains on my credit report, negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) ( A ) and 611, I have the right to request full verification and reinvestigation of this disputed account. Under FCRA 623, furnishers must report only accurate information and correct or delete any inaccuracies once notified of a dispute. If the loan servicer or creditor can not provide documentation verifying the loans validity, this account must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered a federal XXXX student loan reported on my credit report that I never took out, never authorized, and have no knowledge of. The account shows a balance of approximately {$2500.00} and is marked as in collection despite being closed. I believe this is a case of identity theft or administrative error. I have filed a police report and disputed this with the loan servicer, but the account remains on my credit report, negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) ( A ) and 611, I have the right to request full verification and reinvestigation of this disputed account. Under FCRA 623, furnishers must report only accurate information and correct or delete any inaccuracies once notified of a dispute. If the loan servicer or creditor can not provide documentation verifying the loans validity, this account must be deleted immediately.

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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
On XX/XX/year>, I initiated an ACH transfer of {$25000.00} from a Capital One savings account to a high-yield savings account held at XXXX ( through their XXXX XXXX  partnership ). On XX/XX/XXXX, the funds disappeared from my XXXX account and have been missing ever since. 

I immediately contacted both institutions. XXXX initially told me the funds had been reversed by Capital One. However, Capital One has consistently stated that they did not initiate a reversal and that the funds were successfully sent. They provided a custom statement confirming this transfer, which I shared with XXXX. 

I requested that XXXX provide an ACH trace number or reversal documentation. XXXX has been unable or unwilling to produce any such records.

Capital One can not produce a reversal record because, according to them, no reversal occurred. They have said they can not prove a negative but are confident the funds left their institution and were not returned. XXXX blames Capital One. Capital One blames no one.


The bottom line is that {$25000.00} is lost, and neither institution can explain where it went. Ive spent significant time on calls with both institutions, and have documented names, dates, and call summaries. Despite providing all requested documentation and escalating the issue, I still have no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
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 2025-07-30 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: IN

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 : {$310.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX/XXXX  - Account Number XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00}

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 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a XXXX  document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-07-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: 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 : INQUIRIES : XXXX XXXX XXXX Date : XXXX/XXXX/25

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