vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
CFPB Complaint Summary Subject : Failure to Investigate & Remove Fraudulent Accounts and Inaccurate Personal Information in Violation of the FCRA I am filing this complaint because multiple credit bureausXXXX, Experian, and XXXXhave failed to investigate and remove fraudulent accounts and incorrect personal information from my credit reports, despite repeated disputes and submission of supporting documentation, including an FTC Identity Theft Report. 

I have disputed the following issues with all three bureaus multiple times ( via online portals, written letters, emails, and phone calls ) : Fraudulent accounts opened without my authorization ( including accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and others ). 

Inaccurate personal information, including incorrect addresses, SSN variations, and name spellings, that do not belong to me and are not associated with any legitimate credit activity. 

Despite these efforts and my FTC Identity Theft Report, the bureaus continue to report these accounts, violating FCRA 1681e ( b ), 1681i, and 1681c-2. I have also requested that the accounts be blocked from future reporting, as allowed under the FCRA, but have received no adequate resolution or written confirmation. 

This ongoing inaction is damaging my credit, affecting my financial stability, and exposing me to continued risk of identity theft. I am requesting the CFPB to assist in compelling the credit bureaus and furnishers to : Permanently delete all fraudulent accounts from my credit reports. 

Remove all inaccurate addresses, names, and XXXX variations. 

Block these items from future re-reporting in compliance with federal law. 

Provide me with written confirmation of deletion within the required XXXX period. 

I have attached copies of my FTC Identity Theft Report, government-issued ID, and utility bill to verify my identity and support my claims.

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 2025-08-04 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:
I dispute the late payment entries reported on my credit report for accounts XXXX ( ending XXXX ) and XXXX XXXX ( ending XXXX ). I believe these accounts belong to someone else due to a similar name or identity confusion. The XXXX account shows late payments during my valid XXXX accommodation plan, which are inaccurate and have already been removed from my Equifax report XXXX The XXXX XXXX account shows late payments from XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, and XX/XX/XXXX with a 60-day late in XX/XX/XXXX, but these late payments are not reported on my Equifax report XXXX According to the CARES Act Section 4021 and FCRA 1681e ( b ), these delinquencies should not be reported since I complied with the modified terms.

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 2025-08-04 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 dispute the late payment entries reported on my credit report for accounts XXXX ( ending XXXX ) and XXXX XXXX ( ending XXXX ). I believe these accounts belong to someone else due to a similar name or identity confusion. The XXXX account shows late payments during my valid XXXX accommodation plan, which are inaccurate and have already been removed from my Equifax report XXXX The XXXX XXXX account shows late payments from XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, and XX/XX/XXXX with a 60-day late in XX/XX/XXXX, but these late payments are not reported on my Equifax report XXXX According to the CARES Act Section 4021 and FCRA 1681e ( b ), these delinquencies should not be reported since I complied with the modified terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
The companies ' response to my previous complaint makes clear they made no attempt to actually investigate the fraudulent charges they are attempting to collect. The company did not provide the service in question - notably they did not actually provide a parking space and still tried to charge me for it. I do not owe money for a service that was not provided. The below statement from the company is false. XXXX XXXX made no attempts to engage with me at the time of move out regarding their failure to provide the service they were attempting to charge for and just immediately sent the bill to collections. I have attached one of several communications I sent to XXXX at the time documenting the fact that they did not provide a parking space. Please do an actual investigation. 

" The account was placed with our office by XXXX XXXX XXXX XXXX Upon receipt of the consumers complaint the client was contacted. The client has advised This account was receiving a monthly parking credit of {$200.00} in error, from XXXX 2022 through their vacate date. This was caught when their Statement of Deposit was being processed and it was corrected at that time. The lease they signed does have the parking charge listed, however, since they received a credit every month for that time frame and no actual parking charge, they were taking a credit when they should not have and now do owe that balance. ''

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 2025-08-04 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: NY

Complaint narrative:
I am a victim of identity theft. Please reinvestigate my complaint I have never applied for anything dealing with credit ever

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 2025-08-04 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: NY

Complaint narrative:
I am a victim of identity theft. Please reinvestigate my complaint I have never applied for anything dealing with credit ever

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am reporting that I have been a victim of identity theft. I recently obtained a copy of my credit report and discovered several accounts and derogatory marks that I did not authorize, recognize, or open. These accounts appear to have been fraudulently created using my personal identifying information ( including my name, Social Security number, and date of birth ) without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: MD

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 explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing this dispute because TransUnion is allowing XXXX XXXX XXXX to report to my credit file inaccurate information. I do not acknowledge this debt as it does not belong to me. The presence of this account on my credit file is inaccurate, inconsistent, and legally non-compliant with federal law. This collection is only being reported by TransUnion, and not by XXXX  or XXXX, making it incomplete, misleading, and inconsistent, violating the Fair Credit Reporting Act ( FCRA ), which requires that all information be accurate, complete, and not misleading. Furthermore, I want to make it clear that just because a third-party collection agency has my personal information does not mean this account is mine. I was a victim of the XXXX  data breach, where millions of Americans had their personal data exposed. It is entirely possible that this alleged account was opened or assigned due to compromised personal information. Therefore, I am demanding that this account be immediately deleted from my TransUnion credit report. You are required under federal law to investigate and remove unverifiable or inaccurate information. Applicable FCRA Violations : 602 ( A ) Reporting must be fair, accurate, and not misleading. 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Reasonable procedures must be followed to ensure maximum possible accuracy. 611 [ 15 U.S.C. 1681i ] Upon dispute, agencies must reinvestigate and delete unverifiable information. 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] Data furnishers must not provide inaccurate or incomplete information. 623 ( b ) ( 1 ) [ 15 U.S.C. 1681s-2 ( b ) ( 1 ) ] Furnishers must correct or delete inaccurate information after a dispute. Again, this account is unverified, unauthorized, and inconsistent across the major bureaus. If it can not be fully verified with complete documentation, you are required by law to delete it. Please provide confirmation of deletion within the 30-day investigation window per FCRA guidelines.

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 2025-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Goal Structured Solutions, LLC
State: GA

Complaint narrative:
I enrolled in the XXXX XXXX program in XX/XX/year> and completed the program in XX/XX/year>. At the time of enrollment, I was told that if I did not earn at least $ XXXX within two years of completing the Immersion phase, I would not be required to repay the loan this is part of the XXXX  XXXX XXXX XXXX 

However, my Job Success Sequence ( JSS ) was never completed due to XXXX XXXX staff becoming unresponsive. Our assigned coach disappeared, and no one reached out to my cohort to continue or complete the required JSS phase. As a result, we were left without the professional development support that was part of the guarantee conditions. 

Since completing the program, I have applied to numerous jobs in the field and have been rejected repeatedly. Despite my continued efforts, I have been unable to secure employment related to my training in large part because the promised job support was never fulfilled. 

This breakdown in communication and support has left me without a job in the field I trained for, and now I am being held responsible for repaying the loan. Additionally, because XXXX failed to provide the promised career support, my eligibility for the XXXX may now be at risk despite the fact that I followed through on my responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: LA

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 an 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 explanation
Consumer complaint received 2025-08-04 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: IL

Complaint narrative:
my consumer rights has been violated and i was apart of the data breach and request for these accounts to be removed within 4 days please see attached documents

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 2025-08-04 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: CA

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-08-04 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-08-04 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-08-04 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:
Maintaining the accuracy of my credit file is extremely important to me. I was surprised to discover an account listed under my profile that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Global Lending Services LLC
State: VA

Complaint narrative:
Global Lending services LLC, from the beginning of this consumer contract has been using incorrect names that do not reflex there true business name that they are registered under or the name that a consumer contract was formed under. In addition to this they are also using several different address for there entity. To also add to things it has been found out through investigative means that Global Lending Services LLC, without my express written consent used the account number associated with this consumer transaction, which is associated with my personal information, SSN, DOB, ETC, to open up a Treasury Direct account for the sum of XXXX dollars. As a result of there actions they are now in violation of 18 U.S. Code 1343, Virginia law 38.2-506, and 15 U.S. Code 1681 s-2 ( a ), ( 1 ), ( A ), ( All laws attached for review ). Previous to this complaint correspondence was sent to Global Lending Services LLC with regard to there improper reporting on my consumer report, and after I received a response stating that they refused to comply or fix anything, because they are in compliance of FCRA, which obviously/ clearly they are not. In conclusion this is not a bona fide mistake, but deceptive practices on there behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Inflection.com, Inc.
State: ND

Complaint narrative:
I was denied access to XXXX due to a background check that reported a criminal record over XXXX XXXX XXXX. 

This record is outdated and no longer reflects my current life. I am a responsible adult, a parent of XXXX nearly grown children, and a small business owner. I have had no further legal issues since that time. 

Under the Fair Credit Reporting Act ( FCRA ), certain criminal information such as arrests not resulting in convictions or convictions older than 7 years in some states should not be used to make decisions about consumers. 

I appealed to XXXX, but they upheld their decision and refused to provide the name of the background check vendor so that I could dispute the report. 

I am requesting that the CFPB investigate this issue and require XXXX or its vendor to provide the screening report and stop using outdated records that XXXX be violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There's been a data breach the accounts from these lenders and more. I've been attempting to communicate with but no response every month no update of deletion or proof of written notices

Company response to consumer: Closed with non-monetary relief