vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc.
State: GA

Complaint narrative:
SST/XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research SST/XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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 information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : 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 Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : 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 Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Was told by XXXX rep XXXX that their would not be a hard credit inquiry for upgraded equipment that I was solicited for. Email XXXX on XX/XX/year> to notify him that I was alerted about a hard inquiry. Let him know i would not have upgraded equipment if it would cause a hard inquiry. Was told to dispute it and they would not contest it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
XX/XX/XXXX To : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Identity Theft Dispute Fraudulent Credit Card Accounts To Whom It May Concern, I am the victim of identity theft, and my personal information was compromised in recent data breaches, including the Equifax Data Breach and the XXXX XXXX XXXX XXXX. As a result, multiple fraudulent credit card accounts have appeared on my credit reports with Experian, Equifax, and TransUnion. 

The following accounts are not mine and were opened without my knowledge, consent, or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} I have never applied for, opened, or maintained any accounts with these creditors. I have attached my FTC Identity Theft Affidavit, a copy of my government-issued ID, and proof of address for your records. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to block and delete any information resulting from identity theft once you have received appropriate proof. The following provisions apply : 15 U.S.C. 1681c-2 ( FCRA 605B ) : Requires consumer reporting agencies to block identity theft-related information within 4 business days upon receipt of a valid request and supporting documentation.

15 U.S.C. 1681i : Requires reinvestigation of disputed items and deletion of any unverifiable or fraudulent accounts.

15 U.S.C. 1681e ( b ) : Mandates reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681n & 1681o : Establish civil liability for willful and negligent noncompliance.

Demand : I demand that these fraudulent accounts be permanently deleted and blocked from all three of my credit files immediately. Please provide written confirmation of the removal to me within 15 business days.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Attorney Generals Office. I will also pursue all available legal remedies for any continued violation of my rights under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
XX/XX/XXXX To : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Identity Theft Dispute Fraudulent Credit Card Accounts To Whom It May Concern, I am the victim of identity theft, and my personal information was compromised in recent data breaches, including the Equifax Data Breach and the XXXX XXXX XXXX XXXX. As a result, multiple fraudulent credit card accounts have appeared on my credit reports with Experian, Equifax, and TransUnion. 

The following accounts are not mine and were opened without my knowledge, consent, or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} I have never applied for, opened, or maintained any accounts with these creditors. I have attached my FTC Identity Theft Affidavit, a copy of my government-issued ID, and proof of address for your records. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to block and delete any information resulting from identity theft once you have received appropriate proof. The following provisions apply : 15 U.S.C. 1681c-2 ( FCRA 605B ) : Requires consumer reporting agencies to block identity theft-related information within 4 business days upon receipt of a valid request and supporting documentation.

15 U.S.C. 1681i : Requires reinvestigation of disputed items and deletion of any unverifiable or fraudulent accounts.

15 U.S.C. 1681e ( b ) : Mandates reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681n & 1681o : Establish civil liability for willful and negligent noncompliance.

Demand : I demand that these fraudulent accounts be permanently deleted and blocked from all three of my credit files immediately. Please provide written confirmation of the removal to me within 15 business days.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Attorney Generals Office. I will also pursue all available legal remedies for any continued violation of my rights under the FCRA. 

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 non-monetary relief
Consumer complaint received 2025-08-22 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: AZ

Complaint narrative:
I previously submitted a dispute on XX/XX/year> regarding this matter. However, your investigation failed to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611, which requires you to conduct a reasonable investigation. Simply verifying with a third-party database or public record vendor does not constitute a reasonable investigation, especially when I have provided clear notice that the item does not belong to me. 

They have presented consistent Failure to comply with your obligations under the FCRA will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and consider legal action for damages. 

This is a final request for correction of this inaccurate and fraudulent information. Please remove the bankruptcy immediately and provide me with an updated copy of my credit report reflecting the deletion.

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 2025-08-22 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: PA

Complaint narrative:
I have seen that incorrect accounts continue to appear on my credit report, and they were not deleted as expected. For this reason, I kindly ask that the documents Ive attached be carefully reviewed so that I no longer have to deal with this issue again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing my student loan debt and requesting its immediate cancellation and discharge. My rights have been severely violated under both the Family Educational Rights and Privacy Act ( FERPA, 20 U.S.C. 1232g ) and the Privacy Act of 1974 ( 5 U.S.C. 552a ).

The following legal violations form the basis of this request : 1 FERPA Violation My educational records, which include loan-related information, have been mishandled, disclosed, and reported in a manner inconsistent with federal protections. These unauthorized disclosures violate my right to privacy as guaranteed under FERPA.

2 Privacy Act Violation My personally identifiable information, including my SSN, educational, and financial records, has been misused and reported without proper safeguards or consent, directly breaching the Privacy Act of 1974.

Because of these violations, the integrity of my loan records is fatally compromised. Therefore, under my federal rights, I demand that my student loan debt be immediately cancelled and discharged in full.

If this matter is not resolved, I am prepared to escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies. 
Please provide written confirmation within XXXX  days that my loans have been XXXX and all negative credit reporting related to them has been deleted. 
Sincerely, XXXX XXXX ( XXXX XXXX : XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-08-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
CFPB Complaint XXXX XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX / XXXX Company Youre Complaining About : Debt Collector : Sequium Asset Solutions , Inc. ( XXXX, GA ) Original Creditor : XXXXXXXX XXXX XXXX XXXX  ( XXXX, AZ managed by XXXX XXXX XXXX or affiliate ) Account Information : Account Number : XXXX Property : XXXX on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Move-Out Date : XX/XX/year> Reported Balance : ~ {$13000.00} What Happened I am disputing a collection account being reported under my name. The charges originate from Central on XXXX XXXX in XXXX, Arizona, but are being reported/collected by Sequium Asset Solutions . 
The balance of approximately {$13000.00} is inaccurate, inflated, and not legally enforceable under Arizona landlord-tenant law. 
Key Issues : Failure to Mitigate Damages : I was billed {$4400.00} in lease cancellation fees and {$6200.00} in rent, even though Arizona law ( A.R.S. 33-1370 ( C ) ) requires landlords to make reasonable efforts to re-rent the unit. Unless the unit sat vacant for the entire lease period, these charges are not valid. 


Improper/Unsupported Fees : I was billed for legal fees ( {$580.00} ), late fees ( {$560.00} ), and a security deposit alternative ( {$300.00} ). Legal fees are only collectible if court-awarded, and late fees must be reasonable under state law.

Charges for Normal Wear and Tear : The statement includes charges for paint, drywall, flooring, and cleaning all of which are standard turnover expenses. Arizona law ( XXXX. XXXX ) prohibits charging tenants for normal wear and tear. 


Uninhabitable Conditions : The apartment was infested with roaches ( this was the second unit they moved me into because the first had the same issue ). This violated the landlords statutory duty to maintain habitable housing under XXXX. XXXX, further undermining any claim for damages.

Obstruction of Resolution : I attempted to contact the property directly. The on-site staff instructed me to go through collections and provided a non-functioning email address ( XXXX ). My email bounced back. I also contacted Sequium, which has not provided proper validation of the debt. I have documentation of these failed attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
I am a victim of identity theft, someone has used my personal valuable information and opened up these 2 credit card accounts without my consent. Ive never gave anyone permission or authorization to open these accounts in my name without my consent. This is really affecting my ability to obtain better credit. Inquiries are ally financial, wfbna card, coaf, 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

Company response to consumer: Closed with non-monetary relief