vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: OK

Complaint narrative:
Fraud hard Inquiries on my report that I want 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: EQUIFAX, INC.
State: OR

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I am writing to dispute and request the removal of fraudulent information from my credit report. I am a victim of identity theft, and there are accounts and inquiries listed that I did not authorize. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and remove these unauthorized items. Enclosed are a list of the disputed entries and my Identity Theft Report filed with the FTC. 

I request written confirmation once these items have been removed. Thank you for your prompt attention.

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 2025-08-05 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: MI

Complaint narrative:
I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. I Had no knowledge of these inquiries and they are ruining my credit reputation. i'm trying to get a house and this is illegal. On DENIAL LETTERS they telling me I got too many inquiries and I know I didn't do it so delete them Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, I have the right to privacy and control over who accesses my credit file. According to the law, a company must have permissible purpose to obtain my credit report, and I must have given direct authorization for a hard inquiry. 

Upon reviewing my credit report, I noticed the following unauthorized inquiries that I did not approve : BUREAU CREDITOR DATE Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries violate 15 U.S.C. 1681b ( f ), which explicitly states that a consumer reporting agency can not provide a credit report to an entity without a legitimate and authorized purpose. If the creditor or lender who placed these inquiries can not provide proof of my written authorization, then these inquiries must be removed immediately. 

Additionally, under 15 U.S.C. 1681n and 1681o, entities that access my credit report without authorization are subject to civil liability. Failure to correct this violation may result in legal action against both the credit bureau and the company responsible for the unauthorized inquiry. 

I demand that these unauthorized inquiries be deleted from my credit file immediately and that I receive written confirmation of the deletion within 30 days, per 15 U.S.C. 1681i ( a ) ( 1 ), which mandates a timely reinvestigation of disputes

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 2025-08-05 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: CA

Complaint narrative:
CRITICAL ESCALATION - SYSTEMATIC FCRA VIOLATIONS AND REGULATORY DEFIANCE This constitutes an emergency escalation regarding blatant disregard for federal consumer protection statutes. On XXXX XXXX XXXX, I submitted a legally compliant identity theft dispute under FCRA 605B with comprehensive documentation including FTC Identity Theft Report, government identification, address proof, and complete credit report. Federal statute explicitly requires blocking of fraudulent information within four business days- this is mandatory, not discretionary. As of XXXX XXXX XXXX  - nearly four weeks later - this consumer reporting agency has flagrantly violated federal law by refusing to block the fraudulent XXXX XXXX inquiry from XXXX and XXXX account XXXX. This represents systematic defiance of congressional mandates under 605B which requires immediate blocking without investigation, verification, or delay. Their conduct violates 605B blocking requirements, 607 accuracy obligations, 610 procedural fairness standards, and 616 notification duties. This pattern demonstrates contemptuous disregard for federal authority and causes ongoing harm to identity theft victims nationwide. I demand immediate CFPB enforcement including substantial civil money penalties for willful statutory violations. Additionally, I request emergency regulatory orders compelling immediate blocking of all fraudulent entries, written confirmation of compliance, updated credit report showing removal, and mandatory implementation of enhanced 605B compliance protocols. This agency 's systematic violation of federal mandates requires immediate regulatory intervention to restore rule of law and protect vulnerable consumers from continued illegal practices that undermine congressional intent behind identity theft protections.

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 2025-08-05 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LexisNexis Risk Solutions Attn : Consumer Center XXXX XXXXXXXX XXXX XXXX, GA XXXX RE : FINAL NOTICE Demand for Proof of Permissible Purpose Under FCRA Bankruptcy Reporting To Whom It May Concern : I am writing to give LexisNexis final notice regarding my demand for documentation establishing a permissible purpose for the reporting or dissemination of bankruptcy information associated with my name and personal identifiers. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, LexisNexis must have a permissible purpose to obtain or report any consumer information, including public records such as bankruptcies. In my prior correspondence, I formally requested that you provide : 1. The exact permissible purpose for your collection, reporting, or sharing of my bankruptcy information ; 2. The name of the entity or entities that requested or received this information from you ; 3. A copy of the authorization or legal justification that permits LexisNexis to access and disseminate this information about me.

Instead of complying with this lawful request, LexisNexis responded by labeling my dispute as frivolous. However, you failed to provide any written notice or explanation, as required by FCRA 1681i ( a ) ( 3 ). That section of the law requires that if a CRA determines a dispute is frivolous, the consumer must be notified in writing within five ( 5 ) business days, with specific reasons and information needed to proceed. You did not do this.

Please be advised that this is your final opportunity to comply before I take formal legal action.

If you do not provide the documentation requested above within 10 days of receipt of this letter, I will file a federal lawsuit against LexisNexis for : Reporting consumer information without a permissible purpose ( FCRA 1681b ), Failure to properly
investigate a valid dispute ( FCRA 1681i ), Failure to provide proper notice regarding a frivolous dispute determination, and Willful noncompliance with the FCRA ( FCRA 1681n ).

Be advised that I document everything, including your lack of response and failure to comply with the law, and I will use all of it as evidence against you in court.

You may consider this letter a final warning and legal demand. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NV

Complaint narrative:
I am disputing several accounts listed on my credit report that I did not authorize, open, or manage. These accounts were reported without my consent and do not reflect my actual financial history.

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
They sent back my tax refund even though the had deposited checks with my new name and my ex husband name in the pass. They never contacted me about it. Now the situation has put me in a bad situation financial. The bank is XXXX  with fifth third bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
Consumer Complaint Against Experian, Equifax, and TransUnion Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/XXXX Subject : Ongoing FCRA Violations and Continued Reporting of Inaccurate and Unverified Information I am filing this complaint against all three major credit reporting agencies Experian, Equifax, and TransUnion for their repeated failure to investigate, correct, or remove multiple inaccurate and unverified accounts on my credit reports. 

On XX/XX/XXXX, I submitted a formal dispute demanding a reinvestigation and removal of several accounts that were reporting inaccurately. This was a follow-up to previous disputes dating back to XX/XX/XXXX. Despite multiple written notices and ample time to respond, the bureaus have failed to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate information without verifying or correcting it. 

Disputed Accounts : XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Violations of the Fair Credit Reporting Act ( FCRA ) : Each of the three bureaus has violated the following federal laws : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy of information Specifically, the bureaus have failed to provide : A detailed explanation of the method and procedures used to verify each item.

The full contact information for each furnisher of the disputed accounts.

Any supporting documentation relied upon during the verification process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: TX

Complaint narrative:
I'm trying to open a cash app but it's saying I violated terms and I'd like to get that resolved cause it must be a mistake please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-08-05 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: WI

Complaint narrative:
This follow up complaint serves as my second formal request for the removal of unauthorized inquiries from my credit report. As a consumer, I have the right under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) to ensure that my credit report is only accessed for a legally permissible purpose, such as a transaction initiated by me or with my explicit written authorization. 
The inquiries listed below were not authorized by me, nor did I initiate any applications for credit, insurance, or employment that would justify these pulls. As such, they were obtained without a permissible purpose, and I am requesting their immediate removal to prevent further harm to my credit profile. 
Unauthorized Inquiries to Be Removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because [ Equifax/Experian/TransUnion ] is inaccurately reporting a dismissed bankruptcy on my credit file and has failed to correct it despite multiple disputes. 
My bankruptcy case, No. XXXX ( XXXX  XXXX ), in the XXXX Bankruptcy XXXX for XXXX XXXX XXXX XXXX XXXX, was dismissed with prejudice on XXXX XXXX XXXX as shown in the attached court order. 
Despite this dismissal, the bankruptcy is still being reported in a way that suggests it is active or valid. 
I have disputed this item multiple times and provided the court dismissal order. However, [ Equifax/Experian/TransUnion ] continued to verify the item without providing the method of verification, violating FCRA 611 ( a ) ( 7 ).

Bankruptcy courts do not furnish or verify information to credit reporting agencies, so this reporting is inaccurate and misleading, violating FCRA 1681e ( b ) ( duty to ensure maximum possible accuracy ) and 611 ( duty to reinvestigate ). 
This inaccurate reporting is causing me financial harm, including credit denials and higher interest rates.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because [ Equifax/Experian/TransUnion ] is inaccurately reporting a dismissed bankruptcy on my credit file and has failed to correct it despite multiple disputes. 
My bankruptcy case, No. XXXX ( XXXX  XXXX ), in the XXXX Bankruptcy XXXX for XXXX XXXX XXXX XXXX XXXX, was dismissed with prejudice on XXXX XXXX XXXX as shown in the attached court order. 
Despite this dismissal, the bankruptcy is still being reported in a way that suggests it is active or valid. 
I have disputed this item multiple times and provided the court dismissal order. However, [ Equifax/Experian/TransUnion ] continued to verify the item without providing the method of verification, violating FCRA 611 ( a ) ( 7 ).

Bankruptcy courts do not furnish or verify information to credit reporting agencies, so this reporting is inaccurate and misleading, violating FCRA 1681e ( b ) ( duty to ensure maximum possible accuracy ) and 611 ( duty to reinvestigate ). 
This inaccurate reporting is causing me financial harm, including credit denials and higher interest rates.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: AL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out regarding an account listed on my credit report that is completely unfamiliar to me. I take great care in maintaining accurate financial records, and this entry does not correspond with anything Ive authorized.

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