vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I am going through one of the most devastating experiences of my life as a victim of identity theft, cyber fraud, and even labor exploitation, and the consequences have been unbearable ; my personal information was exposed during the Equifax breach, and since then my identity has been misused without my consent, resulting in fraudulent accounts and inquiries that now appear on my credit report as if they were mine, but they are not, I do not recognize them, and I never authorized them : XXXX ( XXXX ) Credit Card Opened XX/XX/XXXX in Experian and Equifax, but in TransUnion it appears under a different number XXXX  ( XXXX ) Credit Card Opened XX/XX/XXXX, XXXX ( XXXX ) Loan Opened XX/XX/XXXX, XXXX XXXX  ( XXXX ) Collection Opened XX/XX/XXXX, and XXXX  - XXXX Credit Card Opened XX/XX/XXXX ; what makes this even more cruel and unbearable is that these companies have been changing the account names and numbers just to keep reporting them against me, prolonging my suffering and making it impossible for me to move forward, as if I were trapped in an endless punishment for crimes I never committed, and this has destroyed not only my financial stability but also my peace of mind, my sense of security, and my dignity, leaving me in constant anguish and despair, and therefore I urgently and desperately plead that all of these fraudulent accounts, inquiries, and any related information be BLOCKED and REMOVED from my credit report without delay so that I can finally begin to rebuild my life, restore my security, and recover the peace that has been unjustly stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 going through one of the most devastating experiences of my life as a victim of identity theft, cyber fraud, and even labor exploitation, and the consequences have been unbearable ; my personal information was exposed during the Equifax breach, and since then my identity has been misused without my consent, resulting in fraudulent accounts and inquiries that now appear on my credit report as if they were mine, but they are not, I do not recognize them, and I never authorized them : XXXX ( XXXX ) Credit Card Opened XX/XX/XXXX in Experian and Equifax, but in TransUnion it appears under a different number XXXX  ( XXXX ) Credit Card Opened XX/XX/XXXX, XXXX ( XXXX ) Loan Opened XX/XX/XXXX, XXXX XXXX  ( XXXX ) Collection Opened XX/XX/XXXX, and XXXX  - XXXX Credit Card Opened XX/XX/XXXX ; what makes this even more cruel and unbearable is that these companies have been changing the account names and numbers just to keep reporting them against me, prolonging my suffering and making it impossible for me to move forward, as if I were trapped in an endless punishment for crimes I never committed, and this has destroyed not only my financial stability but also my peace of mind, my sense of security, and my dignity, leaving me in constant anguish and despair, and therefore I urgently and desperately plead that all of these fraudulent accounts, inquiries, and any related information be BLOCKED and REMOVED from my credit report without delay so that I can finally begin to rebuild my life, restore my security, and recover the peace that has been unjustly stolen from 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am responding to your recent communication regarding an alleged debt. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide proper validation of this debt.

Specifically, please provide the following : 1. The name of the original creditor and the amount of the alleged debt.

2. Documentation showing that I am legally obligated to pay.

3. A copy of any judgment, if applicable.

4. Proof that you are authorized to collect in my state.

Until you provide the requested documentation, you must cease all collection efforts, including reporting to credit bureaus. Be advised that any failure to comply will be noted as a violation of the FDCPA. 

I expect your reply within 30 days of receiving this letter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I am disputing multiple inaccurate, unverifiable, and fraudulent accounts being reported by XXXX XXXX XXXX XXXX. These errors include Nelnet XXXX XXXX reporting ( no contract or authorization, originally serviced by Great Lakes/Direct Loan  ), XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and other accounts that continue to reappear after being deleted from one bureau. 
The credit bureaus are violating my rights under the Fair Credit Reporting Act ( FCRA 602A, 609, 611, 623 ) by : Reporting false, inconsistent, and unverified information.

Failing to reinvestigate properly and marking items verified without proof.

Allowing deleted/obsolete accounts to reappear on different reports. 

Blocking my legal access to my Experian file on XXXX. 


These actions also violate the Fair Debt Collection Practices Act ( FDCPA 807 ) as furnishers and collectors continue reporting debts without proper validation. My personal information has also been exposed on alerts without my consent, further compromising my credit file.

I have repeatedly disputed with the bureaus and requested verification, but no proper documentation was provided. Some accounts were removed on one bureau but reappeared on another, showing clear noncompliance. 

My personal information was also compromised in a XX/XX/2024 healthcare data breach ( documentation attached ), which makes the continued appearance of fraudulent and inaccurate accounts even more damaging. 


I am requesting a complete clean sweep and deletion of all inaccurate, unverifiable, and unauthorized accounts across all three bureaus within XXXX hours, correction of personal data, and compliance going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-10 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2025-09-10 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: AZ

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses.

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions.

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me.

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

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 2025-09-10 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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX  XX/XX/year> TRANSUNION The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last XXXX  months or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have XXXX  days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I sent formal dispute letters by certified mail to the credit reporting agencies regarding multiple inaccuracies on my credit report. My disputes included : Accounts that do not belong to me, such as XXXX XXXX XXXX ( {$3400.00} ), XXXXXXXX XXXX XXXX {$11000.00} ), XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1700.00} )XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX entries for {$370.00} and {$400.00} ), and XXXX XXXX XXXX XXXX {$1000.00} ). 

Unauthorized hard inquiries from dozens of auto finance companies and lenders ( 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  ). I did not apply for credit with these companies and never authorized these pulls. 

Incorrect personal information, including multiple wrong names ( such as XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX wrong addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ), and an employer that is not mine ( XXXX XXXX ). 

Despite sending disputes with proof of identity and address, the credit bureaus failed to correct or delete the inaccurate information. They have continued to report false and unverifiable accounts, inquiries, names, and addresses, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

These errors are causing serious harm to me by lowering my credit score and affecting my ability to obtain housing and credit. I am requesting CFPB intervention to require the credit bureaus to delete these inaccurate accounts and inquiries, correct my personal information, and provide me with a corrected report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I sent formal dispute letters by certified mail to the credit reporting agencies regarding multiple inaccuracies on my credit report. My disputes included : Accounts that do not belong to me, such as XXXX XXXX XXXX ( {$3400.00} ), XXXXXXXX XXXX XXXX {$11000.00} ), XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1700.00} )XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX entries for {$370.00} and {$400.00} ), and XXXX XXXX XXXX XXXX {$1000.00} ). 

Unauthorized hard inquiries from dozens of auto finance companies and lenders ( 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  ). I did not apply for credit with these companies and never authorized these pulls. 

Incorrect personal information, including multiple wrong names ( such as XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX wrong addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ), and an employer that is not mine ( XXXX XXXX ). 

Despite sending disputes with proof of identity and address, the credit bureaus failed to correct or delete the inaccurate information. They have continued to report false and unverifiable accounts, inquiries, names, and addresses, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

These errors are causing serious harm to me by lowering my credit score and affecting my ability to obtain housing and credit. I am requesting CFPB intervention to require the credit bureaus to delete these inaccurate accounts and inquiries, correct my personal information, and provide me with a corrected report.

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 2025-09-10 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: NY

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 2025-09-10 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:
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 XXXX 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 XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} 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, 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 non-monetary relief
Consumer complaint received 2025-09-10 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: NV

Complaint narrative:
As allowed under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting an immediate reinvestigation and correction or deletion of the information outlined below. 
These items are harming my creditworthiness and do not accurately reflect my credit history. 
After careful review of my report, I identified the following issues : INACCURATE ADDRESSES TO BE REMOVED : Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX These addresses are not associated with me and were never my place of residence. They are inaccurately attached to my credit profile and must be deleted under FCRA 1681e ( b ), which mandates the reporting of only verifiable and accurate identifying information. 

COLLECTION ACCOUNT TO BE REMOVED : 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 XXXXXXXX : {$0.00} XXXX : XXXX : {$0.00} I do not recognize this collection account, and I believe it may be inaccurately attributed to my file. 
Please provide full documentation validating the debt, including the original account agreement, payment history, and verification of ownership. If it can not be verified, it must be deleted.

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