vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite efforts to resolve this directly with the reporting agency, it remain unresolved. I request immediate removal of this item, as it is incorrect and does not reflect my true credit history. I've 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I am filing this report to formally state that multiple bank accounts were opened and operated without my knowledge, authorization, or involvement. 

I did not open, maintain, manage, or close any of the accounts listed in this report. These accounts were created using my personal identifying information without my consent. I have never received funds from these accounts, nor have I had any control over their activity. 

To support this claim, I am in the process of filing a police report and submitting identity theft documentation, including an FTC Identity Theft Report. 

I am requesting that these unauthorized accounts be fully removed from my consumer profile and any associated databases. These entries are fraudulent and damaging to my financial reputation, and I am taking all legal steps necessary to rectify the situation. 

Thank you for your cooperation in investigating and 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 explanation
Consumer complaint received 2025-06-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-06-11 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$4100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$12000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$5400.00} INQUIRIES : XXXX XXXXXXXX XXXX Date : 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 2025-06-11 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/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 2025-06-11 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: GA

Complaint narrative:
As a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX you have RIGHTS. 
Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your XXXX XXXX attributable to XXXX  may be BLOCKED from XXXX XXXX reports ordered by future employers, volunteer organizations and landlords. You may complete this process yourself, or have an Advocate do so while acting on your behalf. 
Examples of information you may wish to block from a XXXX XXXX include : * Prior evictions * Late rental payments * Credit card or loan defaults * Unpaid bills sent to a collection agency * Criminal charges incurred as a result of XXXX  * Bankruptcy filings Beyond self-attestat on, additional evidence proving the connection is not required. The information to be blocked may include adverse events that took place during or after XXXX, if directly related to or resulting from the XXXX. Im requesting that all negative accounts that have been placed on my account that I have no knowledge of doing being a victim of XXXX XXXX be removed from my account immediately, which will be listed below. 

- [ x ] XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Amount : {$260.00} - [ x ] XXXX XXXX XXXX XXXXXXXX - [ ] Amount : {$5600.00} - [ ] Opened : XX/XX/XXXX - [ x ] XXXX XXXX Opened XX/XX/XXXX Amount : {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/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 2025-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have called nelnet over 8 times trying to get info on my XXXX  loan forgiveness and why I only got approved for XXXX when I should get XXXX. Multiple reps told me that they didnt deal with that and I need to call XXXX XXXX Ive went back and forth with both multiple times. Nelnet leaves me on hold for XXXX minutes and then just tells me to call XXXX XXXX when theyre the ones sending me letters. They are the worst customer service Ive ever dealt with and straight lie to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$7100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally demanding that you certifywithout ambiguitythat every single piece of data connected to this account is my personal property. This includes but is not limited to : personal information, activity history, files, communications, preferences, backups, metadata, and any other form of stored or processed data under this account. 

I am asserting my right to full control over my data. I want it made explicitly clear that none of this data has been shared, processed, retained, or used in any way that violates my ownership or personal privacy. You must be able to confirm this definitively.

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 2025-06-11 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
On XX/XX/2025 I sent my FTC report and my license to Experian. I am a victim of identity theft. I did not authorize these accounts.

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 2025-06-11 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXXXXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My grandfather provided me with credit card with a limited spending limit from his account when I was XXXX. My aunt ( his daughter ) is the POA ( power of attorney ) and she has made all purchases in the last XXXX years since my grandfathers health has declined. I was told that she cancelled my credit card over a year ago so I havent used the card at all. I was just made aware that no payments were made and the account closed 4 months ago by the bank. Since I had a credit card from that account it affected my credit. I tried to resolve this at the bank but they would not give me information bc i am not the owner nor a POA. My aunt is trying to resolve the issue but in the meantime having my credit drop from XXXX to XXXX may affect my ability to get a school loan and buy another car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX you have RIGHTS. 
Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your XXXX XXXX attributable to XXXX  may be BLOCKED from XXXX XXXX reports ordered by future employers, volunteer organizations and landlords. You may complete this process yourself, or have an Advocate do so while acting on your behalf. 
Examples of information you may wish to block from a XXXX XXXX include : * Prior evictions * Late rental payments * Credit card or loan defaults * Unpaid bills sent to a collection agency * Criminal charges incurred as a result of XXXX  * Bankruptcy filings Beyond self-attestat on, additional evidence proving the connection is not required. The information to be blocked may include adverse events that took place during or after XXXX, if directly related to or resulting from the XXXX. Im requesting that all negative accounts that have been placed on my account that I have no knowledge of doing being a victim of XXXX XXXX be removed from my account immediately, which will be listed below. 

- [ x ] XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Amount : {$260.00} - [ x ] XXXX XXXX XXXX XXXXXXXX - [ ] Amount : {$5600.00} - [ ] Opened : XX/XX/XXXX - [ x ] XXXX XXXX Opened XX/XX/XXXX Amount : {$8300.00}

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX you have RIGHTS. 
Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your XXXX XXXX attributable to XXXX  may be BLOCKED from XXXX XXXX reports ordered by future employers, volunteer organizations and landlords. You may complete this process yourself, or have an Advocate do so while acting on your behalf. 
Examples of information you may wish to block from a XXXX XXXX include : * Prior evictions * Late rental payments * Credit card or loan defaults * Unpaid bills sent to a collection agency * Criminal charges incurred as a result of XXXX  * Bankruptcy filings Beyond self-attestat on, additional evidence proving the connection is not required. The information to be blocked may include adverse events that took place during or after XXXX, if directly related to or resulting from the XXXX. Im requesting that all negative accounts that have been placed on my account that I have no knowledge of doing being a victim of XXXX XXXX be removed from my account immediately, which will be listed below. 

- [ x ] XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Amount : {$260.00} - [ x ] XXXX XXXX XXXX XXXXXXXX - [ ] Amount : {$5600.00} - [ ] Opened : XX/XX/XXXX - [ x ] XXXX XXXX Opened XX/XX/XXXX Amount : {$8300.00}

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 2025-06-11 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:
I have discovered credit accounts on my report that I never opened. These entries are unauthorized and false. In accordance with 15 U.S.C. 1681g, I formally request that these accounts be removed within 15 days. Relevant documents are attached.

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