vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-08-19 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. 1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto
loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
Under USC 1681g provisions, you must locate and purge these erroneous accounts within fifteen days of being notified.

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 2025-08-19 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:
I am disputing the payment history reported on my credit file for the account with XXXX XXXX. It reflects a XXXX late payment, which I believe is inaccurately reported or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: NH

Complaint narrative:
I am writing to formally dispute inaccurate and conflicting information reported on my credit report regarding my account. Upon recent review of my credit reports during my home loan application process, I was shocked to find that late payments were reported, which I strongly dispute. I have never missed or been late on a payment for this account. Furthermore, the tradeline contains conflicting information : The Account Rating states Paid As Agreed, The Payment History shows a 60-day late, The 30/60/90 Day Late section only reflects a 30-day late not a 60-day. These inconsistencies are clear indicators of reporting errors and are severely impacting my credit scores. As a result, my ability to qualify for a mortgage is now in jeopardy. Attached is a copy of my credit report with the discrepancies. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete and accurate. The current reporting fails to meet this standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year>XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the presence of a fraudulent account reported under my name. This account does not belong to me and should never have appeared on my credit file. Its reporting is inaccurate and damaging to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
Information : Servicer - Mohela Loan ( s ) - $ XXXX XXXX & $ XXXX Sub loan This is a payment application issue that Mohela has refused to address/help correct. 

Issue : I was attempting to make a {$200.00} payment on XX/XX/year>. 
This payment should have easily cleared up the outstanding interest ( {$26.00} in accrued interest on the $ XXXX load & {$110.00} in accrued interest on the $ XXXX loan ). 

Mohela 's website refused to allow me to allocate specific amounts to the individual loans and defaulted to their XXXX XXXX screen. 
Upon getting to their XXXX XXXX screen, there are XXXX payment options ( apply to highest interest, prorate across loans, apply to highest balance, etc. ). 
All XXXX of these options stated the same payment breakdown of {$180.00} going to the $ XXXX loan & {$12.00} going to the $ XXXX loan. 

This would not cover the accrued interest so, I called Mohela to address this. 
After sitting on hold for approximately XXXX minutes, I was connected with a representative. 
After explaining my issue, I was told that my request was not possible and that it " was just the way the system is. '' I was completely dismissed by the representative when I told them that I didn't want to let hundreds/thousands of dollars of interest to pile up on the $ XXXX loan. 

In my mind, this is a deceptive practice by Mohela. People with student loans will jnever be able to keep up on interest & make progress towards paying off their loans. Loans will continue to rack up interest which then gets capitalized back into the loan and so on so forth. 

My wife has student loans through XXXX and they allow me to apply payments as we wish, so that we can keep up on the accrued interest while also paying down principle.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Equifax Data Breach Victim ( Case No. XXXX ) Violations : Right to Privacy : 15 USC 1681 ( a ) ( 4 ) Permissible Purpose : 15 USC 1681 ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) I am putting your agency on notice that my credit report contains fraudulent accounts that have severely damaged my FICO credit scores. Enclosed are documents from XXXX  and Equifax verifying that my personal information was compromised in a breach. Under the full authority of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand removal of these fraudulent accounts and all associated inquiries. I refer to the following accounts : a ) Bankruptcy XXXX XXXX. XXXX XXXX. XXXX. Date Filed : XXXX XXXX ) XXXX. Account XXXX. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXXXXXX XXXX ) XXXX XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX XXXX  ) XXXX. Account XXXX. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX XXXX ) XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXXXXXX XXXX ) XXXX XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. Fraud Open Date : XX/XX/XXXX You are directed to initiate a comprehensive investigation into this matter. It is imperative that you rectify the inaccuracies in my credit report without delay. I require written confirmation that this account has been expunged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-19 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX XXXX ] Account 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 2025-08-19 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$4300.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -Balance {$8900.00}

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 2025-08-19 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-08-19 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-19 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute XXXX Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 3 Account Number : XXXX Account Name : XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX  and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute XXXX Account Number : XXXX Account Name : XXXX Type of disputed information : loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX  and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation