vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Summary of Your Complaint : I am a verified victim of identity theft. While I originally opened the following accounts, they were later compromised and used without my knowledge or consent. After the closure of my former business ( XXXX XXXX ), I began noticing unauthorized activity, fraudulent charges, and suspicious usage patterns on multiple personal accounts. 

I filed disputes under FCRA 605B with Experian, TransUnion, and Equifax and included : My FTC Identity Theft Report A police report documenting the fraud My government-issued ID and utility bill Despite meeting all legal requirements, these accounts are still being reported as derogatory : XXXX XXXX showing charged-off balance related to fraud XXXX  XXXX showing fraudulent charges and misreporting XXXX  XXXX showing unauthorized use and charge-off These derogatory remarks are the direct result of identity theft. I am requesting the XXXX assistance to enforce the removal of these accounts in accordance with FCRA 605B and 611. I have already provided documentation to the credit bureaus and creditors, and they have failed to resolve the matter accurately. 

The continued reporting is damaging my credit and ability to qualify for housing, business opportunities, and financial services.

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 2025-04-17 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: VA

Complaint narrative:
Summary of Your Complaint : I am a verified victim of identity theft. While I originally opened the following accounts, they were later compromised and used without my knowledge or consent. After the closure of my former business ( XXXX XXXX ), I began noticing unauthorized activity, fraudulent charges, and suspicious usage patterns on multiple personal accounts. 

I filed disputes under FCRA 605B with Experian, TransUnion, and Equifax and included : My FTC Identity Theft Report A police report documenting the fraud My government-issued ID and utility bill Despite meeting all legal requirements, these accounts are still being reported as derogatory : XXXX XXXX showing charged-off balance related to fraud XXXX  XXXX showing fraudulent charges and misreporting XXXX  XXXX showing unauthorized use and charge-off These derogatory remarks are the direct result of identity theft. I am requesting the XXXX assistance to enforce the removal of these accounts in accordance with FCRA 605B and 611. I have already provided documentation to the credit bureaus and creditors, and they have failed to resolve the matter accurately. 

The continued reporting is damaging my credit and ability to qualify for housing, business opportunities, and financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-17 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: NJ

Complaint narrative:
When I checked out my credit profile there were some inquiries listed that do not belong to me.

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 2025-04-17 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts opened Accounts : XXXX XXXX : XXXX reporting on all XXXX credit bureaus, XXXX  : XXXX * * * * only reporting on Equifax, XXXX XXXX XXXX XXXX : XXXX only reporting on Experian, XXXX : XXXX only reporting on Equifax, XXXX  XXXX : XXXX reporting on all XXXX credit bureaus. Chapter bankruptcy : Ref # XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) 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 2025-04-17 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts opened Accounts : XXXX XXXX : XXXX reporting on all XXXX credit bureaus, XXXX  : XXXX * * * * only reporting on Equifax, XXXX XXXX XXXX XXXX : XXXX only reporting on Experian, XXXX : XXXX only reporting on Equifax, XXXX  XXXX : XXXX reporting on all XXXX credit bureaus. Chapter bankruptcy : Ref # XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) 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 2025-04-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/2025 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of XXXX XXXX XXXX XXXX for XXXX and Removal Account Name : XXXX XXXX XXXX  XXXX Account XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX XXXX  XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law.Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: OR

Complaint narrative:
To whom it may concern : I was in the XXXX XXXX XXXX starting XX/XX/XXXX and switched to the XXXX XXXX plan on XX/XX/XXXX to resume making student loan payments. There was a clerical error that caused me to be put in the XXXX forbearance on XX/XX/XXXX. After several long phone calls, XXXX finally removed the erroneous forbearance and updated my loan status to Repayment on XX/XX/XXXX. However, when this occurred, they retroactively removed my entire SAVE forbearance which has caused my account to incorrectly show XXXX missed payments and put my account into a Past Due status. This also caused an interest capitalization of approximately XXXX dollars starting in XXXX. I have been on autopay the entire time with XXXX ; Ive never missed a payment. Ive reached out to XXXX many times but the error has not been corrected. On XX/XX/XXXX my TransUnion XXXX XXXX has decreased by XXXX points due to MOHELAs erroneous missed payments and account balance increase ( interest capitalization ). My first autopay payment went through on XX/XX/XXXX, but this is not showing as a qualifying PSLF payment due to the past due error associated with my account. I need assistance to get XXXX to correct the mistakes theyve made on my account. 

Please see attachment " XXXX XXXX XXXX '' for details and timeline of events.

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 2025-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
This account was originally opened on XX/XX/XXXX, and was closed on XX/XX/XXXX. It was reported as a profit and loss write-off, and the last payment was made in XX/XX/XXXX. As of now, this account has been on my credit report for over 6 years and is approaching ( or has exceeded ) the 7-year limit allowed under the Fair Credit Reporting Act ( FCRA ) for reporting negative items.

I have attempted to resolve this with the credit bureau, but the account continues to be reported. I am requesting that this account be investigated and removed since it is outdated and no longer eligible to remain on my credit file. The continued reporting of this account is unfair and harmful to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX account number XXXX Forum on XXXX XXXX XXXX  XXXX XXXX balance {$460.00} XXXX XXXX  {$490.00}

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 2025-04-17 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX account number XXXX Forum on XXXX XXXX XXXX  XXXX XXXX balance {$460.00} XXXX XXXX  {$490.00}

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 non-monetary relief
Consumer complaint received 2025-04-17 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:
Let me be clear that this complaint is legitimate and demands immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. Resolving this issue is not only necessary, it is critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NV

Complaint narrative:
Contacted XXXX XXXX XXXX directly to obtain documentation of purchase agreement/ verification which they could not provide. Under the FCRA, I will be seeking statutory damages as this creditor has furnished inaccurate information about the two debts under their company that was reported on my Experian credit report. They have incorrectly reported charge offs while still claiming I still owe these debts without providing me a 1099 C form. According to law 15. U.S.C 1692c the Experian and XXXX XXXX has violated my right by unlawful communications. I would please like these collections removed from my credit report. Thank you.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Doxo, Inc.
State: NY

Complaint narrative:
i was making payments to doxo for a XXXX  bill called to find out what my balance was they told me it's in collection. I was paying XXXX a month since XXXXGot ahold of doxo they sent me where the checks were written to XXXX  and they were cashed.Doxo is trying to find out where my money went.I called the number that doxo had plus the number for the XXXX  no one got the money.I don't know where to turn to. The bill i have is for north shore lij XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MN

Complaint narrative:
I am writing to dispute the following information on my credit report. The account listed with a high balance of {$530.00} is either inaccurate or being reported with incorrect payment history. Please investigate this account and update or remove it based on the results of your findings.

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. 
Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/year> closed date XX/XX/year> as well as amount are incorrect.

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