vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: VA

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

1681c-2 ) that you, the Equifax Information 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 VA XXXX ACCOUNTS XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: AL

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 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 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information 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 XXXXXXXX XXXX XXXX  XXXX CA XXXX ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2015, Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute multiple duplicate entries related to my student loans, all reported under the name DEPT OF ED/AIDVANTAGE. These entries appear to reference the same obligation and borrower but are reported as separate accounts ( 16 times ). This duplication is negatively impacting my credit score and is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
My credit report and personal data were accessed and shared by companies I never authorized, and this information appeared across numerous data broker and background check websites. I did not provide consent, and my report was used in ways that put my privacy and safety at risk. This violates FCRA protections. 


Over the past year, I discovered that my personal data including current and former addresses, phone numbers, and employment history was exposed across numerous people-search and background-check websites. 
I did not give any credit bureau or data broker permission to collect or distribute this information. Despite placing freezes on all XXXX  XXXX  credit bureaus and utilizing data removal services, my information continues to be bought, sold, and published online. 
My safety has been affected. Ive received suspicious phone calls, and my personal information has been accessed without consent. These actions violate my privacy and contribute to a larger systemic failure to protect consumers. 
This is not just a case of incorrect data it is unauthorized collection, resale, and exposure of sensitive information that should not have been distributed in the first place.

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 2025-07-09 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: NY

Complaint narrative:
My credit report and personal data were accessed and shared by companies I never authorized, and this information appeared across numerous data broker and background check websites. I did not provide consent, and my report was used in ways that put my privacy and safety at risk. This violates FCRA protections. 


Over the past year, I discovered that my personal data including current and former addresses, phone numbers, and employment history was exposed across numerous people-search and background-check websites. 
I did not give any credit bureau or data broker permission to collect or distribute this information. Despite placing freezes on all XXXX  XXXX  credit bureaus and utilizing data removal services, my information continues to be bought, sold, and published online. 
My safety has been affected. Ive received suspicious phone calls, and my personal information has been accessed without consent. These actions violate my privacy and contribute to a larger systemic failure to protect consumers. 
This is not just a case of incorrect data it is unauthorized collection, resale, and exposure of sensitive information that should not have been distributed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: SC

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 Trans Union 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 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 non-monetary relief
Consumer complaint received 2025-07-09 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:
I submitted a formal dispute to EXPERIAN regarding inaccurate and potentially unverifiable information on my credit report. Despite following all required procedures, XXXX  has continued to report the disputed information without providing proper verification or documentation. 

I did not receive any detailed explanation of the reinvestigation process, nor was I provided with evidence to support the continued reporting of the disputed data. This failure to correct or remove inaccurate information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and raises concerns regarding XXXX  's compliance with federal consumer protection laws. 

What Im Requesting : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to review XXXX dispute handling and data verification procedures. I am asking that they be held accountable for : Ensuring only accurate and verifiable information remains on consumer credit files Following proper reinvestigation protocols under FCRA Providing full transparency in how disputes are processed and verified

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX  Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft : 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 10. 
XXXX XXXX Account Number : XXXX 11. 
XXXX XXXX Account Number : XXXX 12. 
XXXX XXXX XXXX Account Number : XXXX 13. 
XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: North Capital Recovery Services
State: UT

Complaint narrative:
I got a phone call XX/XX/XXXX th from capital recovery solutions about a debt. I advised them I filed XXXX  XXXX bankruptcy and they tried to call me again about a debt that was included in my bankruptcy.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I am formally requesting an urgent re-investigation into several unauthorized credit inquiries listed on my report. These inquiries were made without my consent and have harmed my credit score.

I previously contacted your agency and was assured these would be removed, but they remain. This continued inaction is unacceptable and raises serious concerns about possible identity theft.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I got a text from ( XXXX ) XXXX saying that I need to call ( XXXX ) XXXX. The text read Coinbase : Your withdrawal code is XXXX. If you did NOT initiate this request contact us immediately at ( XXXX ) XXXX to prevent a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
On XX/XX/2025, I mailed a written dispute letter directly to XXXX XXXX concerning the way my closed auto loan account ( Account # : XXXX ) is being reported to the credit bureaus. The account is being reported inaccurately across TransUnion, Experian, and Equifax as a charge-off, even though the vehicle was voluntarily surrendered. 
Despite my dispute, XXXX has not provided any response, acknowledgment, or correction within the XXXX timeframe required under the Fair Credit Reporting Act ( FCRA ). This is a clear violation of my consumer rights, as they are obligated to investigate and respond to any written dispute regarding inaccuracies on a credit report. 
Furthermore, the account shows multiple discrepancies in how it's being reported : Equifax lists the high balance as {$6400.00}, while XXXX and XXXX show {$19000.00}. 


The account reflects an outstanding balance and continues to be marked as charged off, even though it was a voluntary surrender not a defaulted loan. 


No updated comments have been provided to clarify the true nature of the closure. 


These inconsistent and inaccurate notations are damaging my credit profile and misrepresent the actual status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
On XX/XX/year>, I mailed a written dispute letter directly to XXXX XXXX concerning the way my closed auto loan account ( Account # : XXXX ) is being reported to the credit bureaus. The account is being reported inaccurately across TransUnion, Experian, and Equifax as a charge-off, even though the vehicle was voluntarily surrendered. 
Despite my dispute, XXXX has not provided any response, acknowledgment, or correction within the XXXX timeframe required under the Fair Credit Reporting Act ( FCRA ). This is a clear violation of my consumer rights, as they are obligated to investigate and respond to any written dispute regarding inaccuracies on a credit report. 
Furthermore, the account shows multiple discrepancies in how it's being reported : Equifax lists the high balance as {$6400.00}, while TransUnion and Experian show {$19000.00}. 


The account reflects an outstanding balance and continues to be marked as charged off, even though it was a voluntary surrender not a defaulted loan. 


No updated comments have been provided to clarify the true nature of the closure. 


These inconsistent and inaccurate notations are damaging my credit profile and misrepresent the actual status of the 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I missed my XX/XX/2025 payment on my Target Credit Card and then enrolled in a hardship/settlement plan with TD Bank XXXX The plan was approved, and my first scheduled payment under the new agreement is due on XX/XX/2025. 

Despite this, TD Bank reported my account as 30 days past due. This is misleading and harmful. I enrolled in their hardship plan specifically to resolve the issue, and I was not informed that they would continue to report delinquencies after the plan was accepted. This defeats the purpose of offering hardship assistance. 

I also attempted to contact TD Bank in writing, but their secure message center was broken, and they offer no email or dispute form. I had no way to clarify or dispute the credit reporting before it posted. 

I am requesting that TD Bank : - Remove the XXXX delinquency from my credit report - Confirm my hardship plan in writing - Stop reporting negative marks during an active plan Their failure to provide working support tools and their misleading credit reporting are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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'm filing this CFPB complaint because Experian has failed to remove XXXX disputed accounts, XXXX  XXXX ( Account # : XXXX ) and XXXX ( Account # : XXXX ), from my credit report, even after I mailed a formal dispute letter on XX/XX/year>. I included all necessary documents and clearly highlighted the unauthorized and unverified information, but Experian hasnt done anything. The accounts are still being reported, and I havent received any proper investigation results or explanation. Honestly, it feels like they ignored my dispute completely. 

These accounts were added without my knowledge or written consent, which violates 15 U.S.C. 1681b of the FCRA ; theres no valid permissible purpose. Reporting delinquencies tied to unverified information is unacceptable and has seriously hurt my credit profile. Under 15 U.S.C. 1681e ( b ), Experian is required to maintain maximum possible accuracy. But if they're still reporting unverified info after I disputed it, that shows a complete failure to follow the law. 

Im requesting a reinvestigation and demanding that Experian provide the Method of Verification, as allowed under 15 U.S.C. 1681i ( 7 ). The law clearly says I have the right to receive, within 15 days : The business name, address, and phone number of each furnisher they contacted ; The name of the person who verified each item. 

A copy of the original application or contract bearing my wet signature ; A breakdown of the compliance procedures used to verify the accuracy of the data, as required under 15 U.S.C. 1681e ( b ). 

If Experian fails to provide this information, I demand the immediate and permanent deletion of both accounts. Anything less is a willful violation of the FCRA and is subject to penalties under 15 U.S.C. 1681n and 1681o.

This situation has caused me a lot of emotional stress and anxiety. Ive done my part by disputing the accounts properly, but Experian failed to act. Im asking the CFPB to step in and make sure this gets resolved fairly and that my rights as a consumer are enforced. I do not accept generic E-Oscar responses or automated templates. That is not a real investigation, and the law requires more.

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