vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft 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 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 have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced 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 identity theft tied to the Equitax 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 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

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 2025-05-16 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 in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft 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 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 have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced 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 identity theft tied to the Equitax 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 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

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-16 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: DC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
On XX/XX/year> I was a victim of identity theft, somebody applied for some store credit at XXXX for XXXX which I had no idea about, I never gave nobody consent to use my social security number or any other following documents they provided when they was applying for credit in my name.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX Due to XXXX  responsibilities, including relocation and loss of access to my accounts, XXXX late payments were reported by Nationstar Mortgage LLC XXXX XX/XX/XXXX and XX/XX/XXXX. 
I filed formal disputes under the Fair Credit Reporting Act ( FCRA ) using both standard and escalated dispute methods. I also froze secondary bureaus ( XXXX, XXXX, XXXX, etc. ) to block unverifiable third-party validation. 
Despite this, Nationstar verified the late payments without producing any documentation or explanation of their investigation, which violates FCRA Sections 607 and 611.

I am requesting immediate deletion of these late payments due to insufficient investigation and the verified hardship caused by my military service.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
The glaring

absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NH

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-16 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: NH

Complaint narrative:
I am disputing the inaccurate reporting of a charged-off account with XXXX XXXX, account number XXXX, reflecting a balance of {$14000.00} on my XXXX, XXXX, and Equifax credit reports. This account has been incorrectly reported, creating a misleading picture of my financial responsibility and significantly damaging my credit standing. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, credit bureaus are required to ensure the maximum possible accuracy of the information they report. However, this account appears to have been included without proper verification or consideration of potential discrepancies, likely resulting from broader data breaches that have impacted millions of consumers in recent years. This lack of thorough investigation and verification before reporting such a significant debt is not just a violation of federal law, but a profound failure to protect my financial identity. 

This ongoing error has placed a severe burden on my financial health and peace of mind. I have faced unjust denials for essential credit, increased interest rates, and the ongoing stress of defending my financial integrity against inaccurate data. The emotional toll of this misreporting has been overwhelming, affecting my ability to plan for my familys financial future and undermining my confidence in the credit reporting system. This is more than a clerical error ; it represents a profound breach of trust and a clear violation of my rights as a consumer. For Equifax in particular, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have revealed ongoing failures to conduct proper investigations, further casting doubt on the reliability of this accounts verification. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct thorough and reasonable reinvestigations within 30 days, and under 15 U.S.C. 1681 ( a ) ( 5 ), any unverifiable or inaccurate information must be promptly deleted or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
transunion, equifax, EXPERIAN have failed to provide proof of evidence of the steps steps legal they have taken according FCRA, 15 USC 1681s 2a... which states A Consumer agency must ensure that they have procedures and policies to ensure that the consumer maintains. i Did not receive it in the mail nor did they provided these proof of evidence..... Had these credit companies taken these proper measures, they would notice that the law states ... credit union MUST spend 45 days focusing on working with the member to resolve an overdraft.... In my case when the BANK CONTACTED me via email regarding the overdraft during that 45 day window.... i immediately took actions and paid the balance .. the bank manager emailed letting me know account was overdrafted i came in the following week on friday XX/XX/XXXX and paid the {$150.00} overdraft.. 

SO PLEASE TELL ME OR PROVIDE Evidence of how a {$150.00} overdraft CHECKING ACCOUNT was considered UNCOLLECTIBLE ... IF THE LAW states you must use the 45 days window to work with the member to resolve the issue, which in the case the issue was RESOLVE DURING THAT 45 DAY WINDOW .. the member resolved it ... all my account with this company is current .. to declare balance uncollectible and charge off is a violation of my RIGHTS ... THESE CREDIT COMPANI.ES ARE RESPONSIBLE FOR FURNISHING DATA WITHOUT TAKING THE LEGAL STEPS .. This was a checking account for XXXX sake

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 2025-05-16 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: CA

Complaint narrative:
transunion, equifax, EXPERIAN have failed to provide proof of evidence of the steps steps legal they have taken according FCRA, 15 USC 1681s 2a... which states A Consumer agency must ensure that they have procedures and policies to ensure that the consumer maintains. i Did not receive it in the mail nor did they provided these proof of evidence..... Had these credit companies taken these proper measures, they would notice that the law states ... credit union MUST spend 45 days focusing on working with the member to resolve an overdraft.... In my case when the BANK CONTACTED me via email regarding the overdraft during that 45 day window.... i immediately took actions and paid the balance .. the bank manager emailed letting me know account was overdrafted i came in the following week on friday XX/XX/XXXX and paid the {$150.00} overdraft.. 

SO PLEASE TELL ME OR PROVIDE Evidence of how a {$150.00} overdraft CHECKING ACCOUNT was considered UNCOLLECTIBLE ... IF THE LAW states you must use the 45 days window to work with the member to resolve the issue, which in the case the issue was RESOLVE DURING THAT 45 DAY WINDOW .. the member resolved it ... all my account with this company is current .. to declare balance uncollectible and charge off is a violation of my RIGHTS ... THESE CREDIT COMPANI.ES ARE RESPONSIBLE FOR FURNISHING DATA WITHOUT TAKING THE LEGAL STEPS .. This was a checking account for XXXX sake

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I noticed a fraudulant inquiry on my credit report that i did not initiated from a company called : XXXX XXXX I BELEIVE I AM A VICTIM OF THE DATA BREACH OR IDENTITY THEIFT.

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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been the victim of identity theft. Despite multiple previous attempts to dispute and resolve this matter, fraudulent accounts and inaccurate information continue to appear on his credit reports with TransUnion, XXXX, and XXXX. 

The following actions were taken without XXXX XXXX knowledge or authorization : Fraudulent Credit Accounts : XXXX Account # XXXX Opened : XX/XX/year> Balance : {$5900.00} Reported as : Closed - Consumer Request XXXX XXXX denies ever opening or authorizing this account. 

XXXX Account # XXXX / # XXXX Opened : XX/XX/year> Balance : {$3700.00} Status : Late XXXX Days These accounts are entirely fraudulent and were reported to the FTC. 

Unauthorized Personal Information Listed on Reports : Incorrect aliases : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Fraudulent address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX False employer XXXX XXXX XXXX XXXX XXXX XXXX Self Employed Unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are causing significant harm to XXXX XXXX credit standing and are in direct violation of the Fair Credit Reporting Act ( FCRA ), which entitles consumers to accurate and fair credit reporting. 

Actions Taken : Filed a formal FTC Identity Theft Report ( Ref. # XXXX ) Requested initial fraud alerts be placed on the credit file Submitted written disputes to all three major credit bureaus with supporting documentation, including a state-issued ID and the FTC report No appropriate resolution has been provided by the credit reporting agencies

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 2025-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: NJ

Complaint narrative:
This loan was taken out by XXXX. XXXX XXXX in XXXX The original loan was XXXX bought by XXXX now bought by Mohela It took me 13 years to remove this from my credit. In XXXX it was removed XXXX of this year XXXX the new company put it back on my credit and tanked my credit. I worked XXXX  years to prove this wasn't my loan and to get it off my credit and now the new company just stuck it back on my credit. They've been calling me all day long everyday. My daughter iXXXX XXXX XXXX XXXX XXXX XXXXXXXX and they won't stop. I've asked them to stop. They threaten me. The whole situation is a XXXX XXXX XXXX XXXX need this taken care of. I need to be protected. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation