vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: NY

Complaint narrative:
I am filing a formal complaint against XXXX, Equifax, and XXXX for failing to conduct a proper investigation regarding multiple credit card accounts that do not belong to me. Despite disputing these accounts under my rights in the Fair Credit Reporting Act ( FCRA ) 1681i, the credit bureaus continue to claim they have been properly verified, yet no real investigation appears to have been conducted.

I have repeatedly provided evidence that these accounts are fraudulent or inaccurately reported, yet they remain on my credit report, negatively impacting my financial standing. I request that the CFPB step in to ensure a full and fair investigation is conducted and that these inaccurate accounts are removed from my report. 

Please let me know what steps can be taken to hold these agencies accountable and ensure compliance with federal law. Thank you for your time and assistance. 

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
Consumer complaint received 2025-03-02 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: NY

Complaint narrative:
I am filing a formal complaint against XXXX, Equifax, and XXXX for failing to conduct a proper investigation regarding multiple credit card accounts that do not belong to me. Despite disputing these accounts under my rights in the Fair Credit Reporting Act ( FCRA ) 1681i, the credit bureaus continue to claim they have been properly verified, yet no real investigation appears to have been conducted.

I have repeatedly provided evidence that these accounts are fraudulent or inaccurately reported, yet they remain on my credit report, negatively impacting my financial standing. I request that the CFPB step in to ensure a full and fair investigation is conducted and that these inaccurate accounts are removed from my report. 

Please let me know what steps can be taken to hold these agencies accountable and ensure compliance with federal law. Thank you for your time and assistance. 

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
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request an update to my personal information as reported in my credit file. I recently obtained a copy of my credit report and discovered that some of my personal information is inaccurate or outdated. As per my rights under the FCRA, I request that you investigate this matter and make the necessary corrections within 30 days.

Below are the details of the incorrect or outdated information : 1. Incorrect Name : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as XXXX XXXX XXXX. Under the FCRA, inaccurate information must be corrected promptly. I request that my name be updated to reflect my legal identity. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, yet my credit report still lists outdated addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 3. Since outdated addresses can lead to identity verification issues and potential fraud risks, I formally request that my current address be updated immediately. 
Supporting Documentation : I have enclosed the following supporting documents to verify the accuracy of my information : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement showing my current address. 
Legal Basis and Request for Confirmation : Under FCRA 15 U.S.C. 1681i, Experian is required to investigate and correct inaccurate information within 30 days of receiving this dispute. Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report is all kinds of incorrect. There are collection agencies collecting my personal information without my consent and inaccurate dates and amounts. I have disputed with all XXXX credit bureaus and no one listens to me. I am being denied rental homes because of the inaccuracy

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report is all kinds of incorrect. There are collection agencies collecting my personal information without my consent and inaccurate dates and amounts. I have disputed with all XXXX credit bureaus and no one listens to me. I am being denied rental homes because of the inaccuracy

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 2025-03-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Took a loan out on car had to give card back to have new baby on the way

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Letter to remove Inaccurate Credit Information {$230.00} Credence Resource Management XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX : : I'm herby requesting that you confirm the fact that I owe this debt from Credence Resource Management as required by any applicable state and federal law.

Delete Collections, Collections 15 U.S. code 1692 c 15 U.S code 1692 e ( B ) By the provisions of the reporting act ( FCRA ) remove from my credit report Section 609. Please remove any information that creditor can not verify 30 days receipt. 


Sincerely yours XXXX XXXX XXXX. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: IL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
My information was leaked in the data breach throughout all three major credit bureaus I have asked for accuracy checks I received no information no letters know anything about the exact nature of how this how does that pass from one company to another nothing with my wet signature on it And Ive made several request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: NJ

Complaint narrative:
I want all accounts to report as we're agreed by compliants active members All accounts .just have a chain of title confirming they are mine double checked and verified by parties or sources unkown will not be recognized. 
All companies who are reporting in accurate information to hurt my credit will be prosecuted, fined and taken to court for unauthorized, considered stolen or frauded info will be held accountable This message has been sent to President Trump and The FBI. 
Remove all in accurate loans, credit cards on this account at once you have 30 days.

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 2025-03-02 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: NJ

Complaint narrative:
I want all accounts to report as we're agreed by compliants active members All accounts .just have a chain of title confirming they are mine double checked and verified by parties or sources unkown will not be recognized. 
All companies who are reporting in accurate information to hurt my credit will be prosecuted, fined and taken to court for unauthorized, considered stolen or frauded info will be held accountable This message has been sent to President Trump and The FBI. 
Remove all in accurate loans, credit cards on this account at once you have 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: DISCOVER BANK
State: NY

Complaint narrative:
After opening a secured card with Discover, XXXX XXXX revealed on XX/XX/2025, my credit score dropped by a surprising XXXX points. I contacted Discovers investigation office, and they assured me they would look into the situation and correct it if necessary. Since then, Ive been in touch with a representative, XXXX, who recently sent me a letter advising that I contact XXXX directly, as there was nothing further she could do. Unfortunately, when I reached out to XXXX, I was informed that the issue appears to be on Discovers end. 

Although my score has since recovered by XXXX  points on XX/XX/2025, it still remains extremely low. Both XXXX and Discover have been unable and unwilling to explicitly state what factors impacted my score and have been sending me back and forth to each other with no resolution or transparency. I went from a score of XXXX to XXXX, and its now at XXXX  This has significantly impacted my ability to search for an apartment and has caused me considerable stress. If I can not secure an apartment, I am in danger of facing homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal collections account opened at Fair Collections & Out on XX/XX/XXXX, under the account number ( XXXX ), and another collection account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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 2025-03-02 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal collections account opened at Fair Collections & Out on XX/XX/XXXX, under the account number ( XXXX ), and another collection account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: TX

Complaint narrative:
I have been paying on this loan for over XXXX years. The interest rates keep increasing and I have paid off more than what I originally owed. I requested a settlement amount they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, my husband and I went to XXXX XXXX XXXX and purchase XXXX XXXX XXXX XXXX XXXX XXXX  for {$3900.00}. The salesman XXXX XXXX mentioned the store was offering a credit card promo / special offer as noted on the Sales Order Ticket : " No interest if Paid in Full within 12 Months. Interest will accrue to your account at 34.90 % from the purchase date if the purchase is not paid in full within 12 months, or your account becomes 180 days past due, or is charged off for any reason. Monthly minimum payments required. As a reminder, paying only the monthly minimum payment amount each month may not pay off your purchase within 12 months. You may have to make additional or interest payments during the deferred interest period to avoid having to pay the accrued deferred interest. '' To give my husband and I more time to pay-off the furniture at the same price, I applied for the credit card and was approved. We were surprised to see our first bill from Concora Credit ( Credit Service provider for XXXX XXXX XXXX ) with an added {$9.00} Monthly Fee. Although we disputed the fee, it was to no avail. Yesterday, XX/XX/XXXXXXXX I just received a response from Concora Credit, dated XX/XX/XXXX to my Monthly Fee dispute. My husband and I have made to payments for {$320.00}. It's out intention to pay-off the furniture in 12 months as agreed. 

We do not intend to pay the hidden fee of {$9.00} per month or {$110.00} annually. XXXX & XXXX and/or Concora Credit should not be allowed to trick, strong-arm, or force consumers to pay a fee which was not disclosed or agreed to with the threat of messing up a consumers credit report and score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-02 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: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX Bankruptcy ACCOUNT XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNT

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 2025-03-02 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: NJ

Complaint narrative:
I want all accounts to report as we're agreed by compliants active members All accounts .just have a chain of title confirming they are mine double checked and verified by parties or sources unkown will not be recognized. 
All companies who are reporting in accurate information to hurt my credit will be prosecuted, fined and taken to court for unauthorized, considered stolen or frauded info will be held accountable This message has been sent to President Trump and The FBI. 
Remove all in accurate loans, credit cards on this account at once you have 30 days.

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 2025-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
Someone got a XXXX account in my name and its not mine Ive already gotten my police report and report from identity theft.gov. I just want this off my account

Company response to consumer: Closed with explanation