vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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:
XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
I purchased a vehicle from a business Once called XXXX XXXX in XXXX Virginia using a company called Consumer Portfolio Services. I purchased a vehicle XX/XX/XXXX of XXXX. When I purchased this vehicle, I was also purchasing the tags for the vehicle. I drove around with XXXX sets of temporary tags for almost a year after having a vehicle well, actually I drove around with temporary tags for the entire period of me having the vehicle I purchased a silver XXXX XXXX XXXX For the amount of XXXX dollars I have to get the exact dollar amount I was making on time purchases until I ran into problems with the title in my tags. I was pulled over by an officer for my expired, temporary tags after continuous attempts of getting them renewed by the company that lost my title. I was informed that if the company that I purchased my vehicle from no longer had the title or never had the title that either of them or the financial agency that I receive my loan from are supposed to have my title so that I can get permanent tags. I never received the title from either and after months of harassment over a year of harassment, I informed them that I was no longer paying because I was lied to and scammed. They sold me a lemon and I was taking them to court Said company Consumer Portfolio Services reached out to me months later to attempt to try and help me get my title after months of my loan already been back due and multiple harassment calls on payment every number and every agency that I was giving from Consumer Portfolio Services either never reply or couldnt help me And then my vehicle was repossessed. I went to the motor vehicle building in XXXX Virginia and I was trying to pull the information for my truck using the VIN number, but the truck that I pay for was never in my name. It was still in the name of the previous owner, so even if I would have made on time payments for the loan my vehicle that I drove around with temporary tags for over a year for the entire period that I had it couldve still gotten told, and I was informed by the officer that if it wouldve gotten towed, there was nothing that I could do so now this vehicle is sitting on my credit and I cant buy another vehicle. I am a single mother of XXXX children and a XXXX veteran and I should not have been handled so horribly. I make honest money and it is already hard raising credit. There was a period of time while I had the vehicle that the XXXX XXXX XXXX that I purchased was a home for me and my children. I lost my home after months of being sick and we had to move from the hotel to XXXX separate homes and sleeping in the truck at some point if the truck wouldve gotten towed while we were living in the truck, we would have been on the streets due to there being no room in the shelters, I thank God that we were covered and provided for, but these people have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AR

Complaint narrative:
XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: KY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : DEPT OF EDUCATIONXXXX XXXX Balance : {$3700.00} late 90 days XX/XX/year>, late 120 days XXXX XXXX XXXXXX/XX/year> DEPT OF EDUCATIONXXXX XXXX Balance {$1800.00} late 90 days XX/XX/year>, late 120 days XXXX XXXX XXXXXX/XX/year> DEPT OF EDUCATIONXXXX XXXX Balance {$2400.00} late 90 days XX/XX/year>, late 120 days XXXX XXXX XXXXXX/XX/year> DEPT OF XXXX XXXX Balance {$2500.00} late 90 days XX/XX/year>, late 120 days XXXX XXXX XXXXXX/XX/year> DEPT OF EDUCATIONXXXX XXXX Balance {$840.00} late 90 days XX/XX/year>, late 120 days XXXX XXXX XXXXXX/XX/year> DEPT OF EDUCATIONXXXX XXXX Balance {$2800.00} late 90 days XX/XX/year>, late 120 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance {$650.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: KY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : DEPT OF EDUCATIONXXXX XXXX Balance : {$3700.00} late 90 days XX/XX/year>, late 120 days XXXX XXXX XXXXXX/XX/year> DEPT OF EDUCATIONXXXX XXXX Balance {$1800.00} late 90 days XX/XX/year>, late 120 days XXXX XXXX XXXXXX/XX/year> DEPT OF EDUCATIONXXXX XXXX Balance {$2400.00} late 90 days XX/XX/year>, late 120 days XXXX XXXX XXXXXX/XX/year> DEPT OF XXXX XXXX Balance {$2500.00} late 90 days XX/XX/year>, late 120 days XXXX XXXX XXXXXX/XX/year> DEPT OF EDUCATIONXXXX XXXX Balance {$840.00} late 90 days XX/XX/year>, late 120 days XXXX XXXX XXXXXX/XX/year> DEPT OF EDUCATIONXXXX XXXX Balance {$2800.00} late 90 days XX/XX/year>, late 120 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance {$650.00}

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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
We have been trying to get a loan to help with medical bills and we had a company call us that stated they were going to help us get a loan and they were a partner with XXXX XXXX. They ended up scamming us by submitting checks into our account with XXXX XXXX XXXX XXXX that we found out were fraud, but we had already sent them the money out of our bank account to chime bank card and now our account is overdrafted and no one will help. This occurred on XX/XX/2015. We have filed a police report and it has put so much financial burden on us more than we already had. I have spoke with my bank. I have spoke with XXXX XXXX and they have no record of any company wanting to help us. The company they used to get my bank authentication and get into my bank account was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal request to investigate a hard inquiry that appears on my credit report. I do not recognize this inquiry and am certain I did not authorize it.

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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 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 2025-07-01 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: CT

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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/year> I inadvertently signed up for credit monitoring with Equifax while trying to get a free copy of my credit report. The offer came into the screen and made it look like it was something I was supposed to fill out and supply my credit card info to and it showed there would be no charges so I thought it was required information in order to access my credit report. I got denied an apartment due to an eviction that was supposedly on my report even though I had never rented anywhere in my life yet. Once I supplied the information I was then advised that if I didn't cancel this subscription service that I had no idea I was tricked into joining then in the next few days my card would be charged X amount of money. It stated I could cancel anytime but did not give instructions on how to cancel. I looked online to see if I could find out how to cancel and was told I only needed to sign in and go to account and there would be the choice " unsubscribe '' in that menu choice. There was no way to cancel or unsubscribe like their HELP page said there would be. After searching the entire site for the past 3 days I found no way to cancel this subscription even though it stated there was a link. I tried to click on " Terms of use '', and XXXX other links at the bottom of their page and found out that they are fake links, they do nothing when clicked on. Now I've seen the same exact thing with fake shopping sites through XXXX but I never would have thought I needed to beware of Equifax, XXXX of the largest credit reporting sites out there but I guess I learned my lesson.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-01 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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