vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-28 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:
To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX Fraud Dispute Unauthorized XXXX XXXX  Account ( {$1400.00} ) Date : [ Insert Date ] Dear Equifax, I am writing to formally dispute a fraudulent account currently reporting on my Equifax credit report : Creditor : XXXX XXXX  Amount : {$1400.00} Status : Fraudulent Not Mine I am a professional XXXX  who exclusively operates using cash transactions. I have never applied for, opened, or authorized any account with XXXX XXXX  or any affiliated entity. I recently accessed my Equifax credit report and was alarmed to find this account, which I had no prior knowledge of. 
Upon further investigation, I discovered that my personal information was compromised in the XXXX XXXX XXXX XXXX. I am attaching a screenshot confirming this breach, along with my government-issued ID, Social Security card , FTC Identity Theft Affidavit, and a police report from my local law enforcement agency confirming my identity theft claim. 
As a consumer protected under multiple federal laws, I invoke my rights under the following statutes and demand the immediate and permanent deletion of this account from my Equifax credit file : 15 U.S.C. 1681 ( o ) You are liable for negligent noncompliance with the FCRA.

15 U.S.C. 1681c-2 Identity theft block : You must block information resulting from identity theft upon receiving proper proof.

15 U.S.C. 6802 ( GLBA ) You are required to protect the confidentiality and security of my nonpublic personal information.

18 U.S.C. 1028A Aggravated identity theft is a federal crime; continuing to report known fraudulent data could be complicit.

31 U.S.C. 5118 I do not transact using credit ; I operate in lawful U.S. currency. Reporting credit transactions in my name is unauthorized.

15 U.S.C. 1681e ( b ) You are required to ensure maximum possible accuracy in the information you report.

15 U.S.C. 1681b You must have a permissible purpose to report and share my data. You do not have such purpose for this account. 
This account is the result of identity theft, and you have no legal authority to continue publishing or furnishing this inaccurate and damaging information. I am requesting full suppression of this trade line under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

If this fraudulent account is not removed within the required time frame, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal remedies under federal law. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I opened up a line of credit/loan with XXXX  for a XXXX XXXX  treadmill, on my original documentation the company presents themselves as a loan company. I later found out they have predatory practices tricking clients and destroying credit. XXXX  started reporting that this line of credit is a credit card on my credit card. Destroying my credit card utilization! I am attaching the emails from when the fourth of us said that they were going to update the account which they have yet to do. I also gave them proof that they destroyed my Consumer files. I sent them copies of my Credit files showing that they destroyed my credit card utilization and I have requested multiple multiple times to get a call from corporate With no resolve. Im looking to sue for monetary damages because they are causing me a lot of pain and suffering my credit score was a XXXX when I first applied for Financing and now Im in the low XXXX due to them reporting incorrectly violating the FCRA consumer laws. They need to report correctly as a line of credit on my credit reports on all three credit bureaus because right now they are reporting as a credit card and I do not have a credit card with this company! Or they need to be removed from all three of my credit bureaus per the FCRA for reporting inaccurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DPT EDXXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AR

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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 2025-07-28 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: TN

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-07-28 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: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I, XXXX XXXX, do not recognize the following inquiries in my Transunion credit account : XXXX. XXXX XXXX XXXX XXXX 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/year>

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 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc.
State: CA

Complaint narrative:
I utilized Happy Money co for a XXXX personal loan. The loan was paid on time and in full. Happy Money has neglected to update any of the credit bureaus in over XXXX  days. Happy Money is showing a balance of {$5800.00} that is and has been negatively effecting my credit. I have written Happy Money as well as called. They have apologized for " the inconvenience '' but to date have not resolved the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history.

I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved.

These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 non-monetary relief
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
Truist sent me automated emails in XX/XX/year>XXXX  about a change to an email address on an account that was closed 68 years ago. I have not been a customer for over a decade, and I did not initiate or authorize any changes. 

I contacted customer support and was told I would need to provide account info I no longer have, despite Truist acknowledging the account was deleted. I requested via email that they investigate the issue and permanently delete any remaining data associated with my name or email. 

They never responded. Im concerned about data retention and potential identity misuse and want confirmation that no data or account access remains.

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 2025-07-28 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:
I am filing this complaint because my credit reports with TransUnion, Experian, and Equifax contain multiple unauthorized hard inquiries that I did not initiate or approve. I did not apply for any credit, loans, or financing with the companies listed in the inquiry sections of my reports. These inquiries were made without my knowledge or consent and are harming my credit profile. 

I also discovered inaccurate addresses reported on my credit file. The only valid address associated with me is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. All other addresses are erroneous and must be removed. 

I have already mailed certified dispute letters to each credit bureau requesting the immediate removal of these unauthorized inquiries and incorrect personal information, and I filed an FTC Identity Theft Report to document the fraud. 

I am requesting that the CFPB require the bureaus to comply with the Fair Credit Reporting Act and resolve this matter promptly.

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/year> ( Saturday ) I took possession of a XXXX XXXX XXXX XXXX at approx XXXX at XXXX XXXX in XXXX Tx. I am financed with XXXX  American Honda Finance and I tried on XX/XX/year> to set up my account with my banking to have monthly payments to be processed but could not, XXXXXXXX XXXX  website kept showing " Error notice ". I tried agin today XX/XX/year> at approx XXXX and entered the VIN # like I did on the XXXX and XXXX XXXX website still showing " Error ". Next I wanted to call customer service and XXXX makes it extremely difficult to aquire an actual telephone # for customer service. So I finally was able to find a phone # and I spoke to two customer service representatives ; the first one was XXXX and the second one was XXXX the first one XXXX was not very much help and seemed she could care less and very XXXX XXXX XXXX  type attitude unprofessional considering XXXX is this gigantic company platform. The next person I spoke to her name was XXXX and she was a little better about being professional but not much. Conclusion : XXXX isn't being very helpful of allowing me to set up my financial responsibility and also making it very difficult and has terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: OH

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting 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 2025-07-28 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
Please see supporting documents pertaining to XXXX  data breach

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 2025-07-28 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: MD

Complaint narrative:
This is a formal notice regarding significant bank errors in billing and reporting that are adversely affecting my credit profile. Pursuant to the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are legally obligated to report payment and credit information with strict accuracy. However, multiple discrepancies have been identified, including payments that were made on time but not properly recorded, as well as miscalculations in the reported amounts.

Furthermore, I did not receive the mandatory 21-day notice prior to the payment due date, rendering any reported late payments invalid under federal law. These reporting errors constitute a clear violation of legal requirements and are causing unjust damage to my creditworthiness.

Company response to consumer: Closed with non-monetary relief