vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
Acct # XXXX is violating my consumer rights. This creditor reports XXXX balance due but yet has XXXX days past due. This is a charge off yet reporting as past due. I can't be charged off and yet at XXXX balance and yet XXXX days or more past due. According to FCRA 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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Acct # XXXX is violating my consumer rights. This creditor reports XXXX balance due but yet has XXXX days past due. This is a charge off yet reporting as past due. I can't be charged off and yet at XXXX balance and yet XXXX days or more past due. According to FCRA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ) XXXX [ XXXX XXXX. XXXX ( a ) ] by not blocking fraudulent accounts on my credit report within the required XXXX ( XXXX ) business days after receiving valid identity theft documentation. 

Fraudulent Accounts XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX documents to Equifax, XXXX : A government-issued photo ID Proof of address ( utility bill ) A copy of my FTC Identity Theft Report A detailed list of fraudulent accounts Despite submitting this information, more than XXXX business days have passed and Equifax has not blocked the fraudulent accounts, as required by law. I am still being harmed by accounts that I did not open or authorize. This is a direct violation of FCRA XXXX, which mandates that consumer reporting agencies must block identity theft-related information within XXXX business days of receiving proper documentation. 

Additionally, Equifax has failed to respond with any resolution beyond generic automated replies, which is causing me continued emotional and financial harm. This inaction is obstructing my ability to restore my credit and exercise my federally protected rights. 

Requested resolution : Immediate blocking of all fraudulent accounts as required under FCRA XXXX Written confirmation that my documentation was received and processed A clear explanation for the noncompliance and delay I am requesting that the CFPB take enforcement action to ensure Equifax complies with the law and resolves this matter without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: CO

Complaint narrative:
Identity Theft Request for Blocked Information under 15 U.S. Code 1681c2 Dear CFPB, I am filing this complaint because my personal information was compromised in multiple data breaches, beginning with the Equifax breach. As a result, several fraudulent accounts were opened in my name without my knowledge or consent. I discovered these accounts when I reviewed my credit report on Experian, Equifax, TransUnion. They are now showing as closed and charged off, damaging my credit. Fraudulent Accounts on My Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information was leaked in several data breaches, which allowed whoever to use my information to get credit cards, personal loans. 
Steps I Have Taken : I filed an Identity Theft Report with the FTC and submitted it to the credit bureaus on XXXX XXXX XXXX I have submitted a written request to all three credit bureaus asking that they block these accounts under 15 USC 1681c-2. I requested each creditor to confirm in writing that : The account is not mine, I am not liable for any debt, The account will be removed from my 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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I am disputing multiple unauthorized hard credit inquiries on my credit reports. I did not apply for credit with these companies, nor did I authorize any third party to do so on my behalf. These inquiries are negatively affecting my credit score and were not initiated by me. 

Here is a list of the disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I contacted the credit bureaus to dispute these inquiries and mailed formal dispute letters to each of the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these inquiries be investigated and removed from my credit reports if they are found to be unauthorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: CT

Complaint narrative:
I am disputing multiple unauthorized hard credit inquiries on my credit reports. I did not apply for credit with these companies, nor did I authorize any third party to do so on my behalf. These inquiries are negatively affecting my credit score and were not initiated by me. 

Here is a list of the disputed inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I contacted the credit bureaus to dispute these inquiries and mailed formal dispute letters to each of the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these inquiries be investigated and removed from my credit reports if they are found to be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
I am reporting a violation of the Fair Credit Reporting Act. 

A charged-off account from XXXX XXXX XXXX was previously removed from my credit report. It has since been reinserted without any written notice from Equifax or TransUnion, which violates FCRA 611 ( a ) ( 5 ) ( B ).

In addition, the account is reporting inconsistently across bureaus ( paid off vs. charged off ), and the balance is inaccurate. 

I am requesting this account be permanently deleted from all reports and am pursuing damages for these violations.

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 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUSTMARK CORPORATION
State: AZ

Complaint narrative:
This situation started back in the beginning of XXXX, when the bank allowed some to place Verble password on the account. Since I didn't set that up, I was at that at a complete loss. I reported this at the time with the ftc, and tried getting help from local police but not help there. And now i have final found proof that I am the account older because upon some searching I found where I had filed my taxes and had my tax refund deposited into the account that TRUSTMARK NATIONAL BANK, has knowingly committing fraud by trying to hide my account from me and allowing someone else to completely take over my account. The bank went as far as changing both my Money Market, and Checking accounts numbers, to hide the at the time {$100000.00} that I had between both accounts. So I'm Going to upload proof that I am the owner of the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The interest amount was too much. At the time the statement closed, the amount on the card was {$240.00}. The interest rate is 24.15 %, so the interest should be about {$5.00}. Capital One could not explain to me why the interest amount was so high. The man I spoke with said he had no answer for me and that this was calculated automatically and he didn't have any explanation as to why the amount was so high ( {$130.00} ). He said it was correct but he couldn't tell me why. I felt like I was talking to a brick wall. He basically said he couldn't help me and sounded like he didn't want to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All major credit bureaus ( Experian, Equifax, TransUnion ) and sub-bureaus such as XXXX are reporting inaccurate personal identifying information on my credit file. These inaccuracies include : Incorrect former and current addresses-only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong phone numbers-only phone number is ( XXXX ) XXXX Incorrect date of birth-Date of birth is XX/XX/year> Multiple misspellings and variations of my legal name-XXXX XXXX XXXXXXXX is the correct name I have disputed these errors multiple times, providing documentation including my government-issued ID, Social Security card, and utility bills. Despite these disputes, they continue to report inaccurate information. Their investigations have been superficial and failed to correct the errors, violating their duty under FCRA 1681i ( a ) to conduct a reasonable investigation. 

These inaccuracies have caused me significant harm, including : Denials of credit due to failed identity verification Drop in my credit score due to mixed files and multiple name variations Emotional distress, wasted time, and barriers to obtaining housing, employment, and financial opportunities The failure of these agencies to maintain accurate personal information violates FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All major credit bureaus ( Experian, Equifax, TransUnion ) and sub-bureaus such as XXXX are reporting inaccurate personal identifying information on my credit file. These inaccuracies include : Incorrect former and current addresses-only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong phone numbers-only phone number is ( XXXX ) XXXX Incorrect date of birth-Date of birth is XX/XX/year> Multiple misspellings and variations of my legal name-XXXX XXXX XXXXXXXX is the correct name I have disputed these errors multiple times, providing documentation including my government-issued ID, Social Security card, and utility bills. Despite these disputes, they continue to report inaccurate information. Their investigations have been superficial and failed to correct the errors, violating their duty under FCRA 1681i ( a ) to conduct a reasonable investigation. 

These inaccuracies have caused me significant harm, including : Denials of credit due to failed identity verification Drop in my credit score due to mixed files and multiple name variations Emotional distress, wasted time, and barriers to obtaining housing, employment, and financial opportunities The failure of these agencies to maintain accurate personal information violates FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they 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 non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-29 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:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Education Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. Unauthorized disclosures to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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 writing to formally dispute the inclusion of a bankruptcy on my credit report. The bankruptcy reporting appears to be a violation of XXXX XXXX Code XXXX of the Fair Credit Reporting Act ( FCRA ), which outlines the permissible purposes for which a consumer report may be accessed or reported. 

As a consumer, I did not grant any authorization or consent for this bankruptcy to be shared with or reported by your agency to third parties. Furthermore, there is no evidence that any permissible purpose existed for this information to remain on my credit file. According to XXXX, access to my consumer report or any related data is only lawful under strict, specific conditions. Reporting a bankruptcy without verified permissible purpose is a direct violation of my rights under federal law. 

The reporting of this bankruptcy is causing undue harm to my creditworthiness and reputation. I am therefore demanding the following : An immediate investigation into the origin and permissibility of this bankruptcy reporting ; Removal of the bankruptcy from my credit report within XXXX ( XXXX ) business days of receipt of this notice ; A written explanation detailing who reported this information, when, under what permissible purpose, and with what proof of consent. 

If your agency can not verify that this bankruptcy was reported in full compliance with FCRA XXXX, then by law it must be removed immediately from my credit profile. 

If no action is taken, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) and consider legal remedies for willful noncompliance and reputational damages. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation