vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number XXXX XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXXXXXX XXXX XXXX  - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX - Account Number XXXX XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number XXXX XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} INQUIRIES : XXXX CARD Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXXXXXX XXXX XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mesa Auto Finance, LLC
State: MI

Complaint narrative:
a derogatory tradeline from mesa auto finance llc appears on my XXXX credit report. violations : XXXX usc XXXX ( a ) - failure to reinvestigate XXXX XXXX XXXX furnishers duty to respond to car with accuracy XXXX usc XXXX ( XXXX ) - duty to ensure maximum possible accuracy land v. XXXX XXXX XXXX XXXX XXXX XXXX failure to conduct meaningful investigation is a factual dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within 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 : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX OF XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX 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 XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$88.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} 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 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted all pertinent information to Experian, Equifax and Transunion for them to remove all unauthorized inquiries reflecting on my consumer report. They refused to properly investigate and did not respond within the time allotted. I demand that all information on attached reports be removed from my consumer report 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 non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains inaccuracies that are not verified to be of the maximum possible accuracy. These errors have been weighing heavily on me and continue to affect me negatively in ways that are difficult to describe. These are trying times for me, and it would be a great help, a blessing I must say, if these inaccuracies could be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$98.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: IA

Complaint narrative:
I have recently checked my latest credit report and noticed multiple accounts thats do not belong to me and are harming my background

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

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  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX : # XXXX, these were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AZ

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Transform Credit Inc.
State: FL

Complaint narrative:
To whom it may concern : I am writing because I recently applied with Transform Credit for a loan of {$3000.00} on XX/XX/year>. I was told that I need a co-signer with good credit which I have. However, today, XX/XX/year> when my co-signer was doing the video verification she was told that the company Transform Credit can not approve the loan because of her language ( she understands better than speaking ). That doesnt make sense, this is the first time that when we both apply for a loan it gets denied because of the language. Thats discrimination, and a person can not be denied a loan because our national origin or language under the Equal Credit Opportunity Act. My co-signer has the right of a trusted translator or interpreter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint because the credit reporting agencies and furnishers have violated my rights under the Fair Credit Reporting Act ( FCRA ) and UCC 9-210 by continuing to report inaccurate, unverifiable, and in some cases obsolete information. Below are the disputed items with the specific code violations. 



Online Information Services Account XXXX XXXXXXXX ( furnisher admits inability to verify ID ) - Violations : 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( a ) ( 5 ) ( B ), 15 USC 1681e ( b ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ) disputes were mailed to XXXX XXXX XXXX XXXX  on XX/XX/year>. 
Despite receipt, these accounts remain inaccurate, unverifiable, duplicative, or obsolete, causing ongoing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I am writing to formally lodge a complaint regarding my repeated inability to open and maintain banking accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple attempts, these institutions have denied me services without providing any justification other than stating they reserve the right to choose their clients. 
I have never been convicted of any felonies or offenses beyond traffic violations. The inability to access banking services has severely impacted my professional life. I have been forced out of several business partnerships and have been unable to build or operate new ventures due to the lack of basic financial infrastructure. This situation has made it virtually impossible for me to conduct business. 
I respectfully request that your agency investigate this matter in light of the recent executive order issued by the XXXX XXXX, which directs federal regulators to examine and penalize instances of politicized or unlawful debanking. I believe my case warrants review under this directive. 
Please acknowledge receipt of this complaint and advise me of any next steps. I would appreciate a reply at your earliest convenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX 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 2025-08-07 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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute concerning inaccurate and misleading information being reported by the credit bureaus regarding a XXXX XXXX account on my credit report. 

The account in question was paid in full on XX/XX/year>, and the status reflects XXXX, Closed with a {$0.00} balance. Despite this, Experian is reporting a collection notation ( C ) for XX/XX/year>, which creates a false impression that the account was actively in collections during that period. This information is factually inaccurate and damaging. 

Fair Credit Reporting Act ( FCRA ), 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of information.

FCRA 611, 15 U.S.C. 1681i ( a ) : Grants consumers the right to request a reinvestigation of any disputed information.

FCRA 623, 15 U.S.C. 1681s2 ( a ) : Prohibits data furnishers from reporting information they know or believe to be inaccurate or incomplete.

The C notation should not be applied to the same month the account was both paid in full and closed, particularly when there is no history of unresolved or prolonged collection activity. This misrepresentation negatively impacts my credit profile and does not reflect the true status of the account. 

Account Name : XXXX XXXX Account Number : XXXX Original Balance : {$110.00}

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