vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Transunion inquires - XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX Equifax inquires XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Transunion inquires - XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX Equifax inquires XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-06-30 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: World Acceptance Corporation
State: MO

Complaint narrative:
XXXX XXXX XXXX bought a debt from XXXX XXXXXXXX witch they have changed there name due to illegaly sharing my information under assorie to identify theft. XXXXXXXX XXXX XXXX  is on my credit report and I dont know how they got any of my personal information. I did not give it to them. Now both companys are on my XXXX  and XXXX  report for the same thing this is a violation of the fair credit act of 1970 United States Code Title 15, Section 1681 and I do want to label this as identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MO

Complaint narrative:
XXXXXXXX XXXX XXXX  bought a debt from XXXX XXXX witch they have changed there name due to illegaly sharing my information under assorie to identify theft. XXXX XXXX XXXX  is on my credit report and I dont know how they got any of my personal information. I did not give it to them. Now both companys are on my experian and XXXX  report for the same thing this is a violation of the fair credit act of 1970 United States Code Title 15, Section 1681 and I do want to label this as identity theft

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 2025-06-29 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: NY

Complaint narrative:
I am writing to dispute several accounts listed on my credit report that are the result of identity theft. I did not open these accounts, authorize them, or participate in any transactions related to them. This appears to be the result of my personal information being compromised in a data breach. 
In accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX, I am formally requesting that these fraudulent accounts be blocked and removed from my credit file immediately. 
The accounts in question are : XXXX XXXX  Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXXXXXX XXXX Account ending in XXXX These accounts are all reporting as charged-off with significant past-due balances. I am not responsible for any of these debts. 
Enclosed are the following documents supporting my dispute : A copy of my government-issued ID A copy of my Identity Theft Report filed with the Federal Trade Commission XXXX FTC ) Please block and remove these accounts from my credit report in compliance with FCRA XXXX XXXX, which requires the credit bureau to block fraudulent information within XXXX business days of receiving this request. 
Thank you for your immediate attention to this matter. Please send me written confirmation once these items have been removed from my file

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 2025-06-30 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: DE

Complaint narrative:
This letter serves as a formal follow-up to a previous request regarding an unverified and unauthorized hard inquiry on my credit report. To date, I have not received any documentation or valid evidence proving that I authorized this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
I am disputing how my two loan accounts have been handled by the lender. I made payments as agreed, but the company marked them as missed on XX/XX/year> and is still showing a past due status. My next payments are due on XX/XX/year>, but I have not received clear information about why my payments werent credited correctly or if extra fees are being added because of this.

I have contacted the company but have not received a clear explanation or resolution. This has affected my credit and caused financial stress. I am asking for the lender to correct my payment history, remove any incorrect fees, and update my credit report if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NJ

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, my mobile phone was stolen at a park from my bag. Shortly after, an unauthorized transaction in total of {$700.00} was made from my Cash App to buy bitcoin and sell it to " an unknown recipient '' without my consent. I did not authorize or initiate this transaction, as my phone was stolen. 

I tracked my phone and end up finding it today ( XX/XX/XXXX ) and finding out my bank was drained {$700.00}, it's Sunday so I haven't called my bank yet. And I'm working on setting new passwords to all my accounts and shutting down Cash app. They accessed my accounts so easily because of my saved passwords. ( Never doing that again )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-06-30 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: NJ

Complaint narrative:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS IS NOT ME. I HAVE SUBMITTED MY DRIVER LICENSE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
Greenstatecredit union XX/XX/year> yet it show that a previous acont was paid off that illustrates the same number of the original acct. that was originally paid off on the date of the aforementioned account number and date. 
I tried to take them to court upon affidavit of facts they no longer wanted to purse, I showed fraud, XXXX amount is XXXX the other amount is XXXX ; I returned the vehicle, with a tacit letter affidavit and asked for a XXXX they would not provide that to me. and all three bureaus report a different number. plus I never authorized this information to any of them. Under the GDPR the right to be forgotten is applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
In XXXX XXXX, I financed a used vehicle through a dealership affiliated with XXXX XXXX XXXX. At that time, I did not have a Social Security Number ( SSN ), and the auto loan was approved and signed without one. Despite this, XXXX XXXX XXXX reported the loan to the credit bureaus without my consent or proper identification, which violates standard lending and credit reporting practices. 

In XXXX XXXX after I received my SSN, the company pressured me into submitting it. They then linked my SSN to the original loan contract without my consent. This retroactive action was unauthorized and unlawful, as they did not have my SSN when the loan was processed, and I never agreed to link it afterward. 

Soon after, the company began reporting this loan including six late payments under my SSN to the credit bureaus ( XXXX Equifax, and XXXX ), causing significant and unjustified damage to my credit score. I never applied for this loan using my SSN, nor did I authorize the company to associate it with my account. 

This unauthorized and retroactive use of my SSN violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b ( lack of permissible purpose ), 1681s-2 ( a ) ( reporting inaccurate information ), and 1681i ( a ) ( failure to investigate upon dispute ). It may also constitute identity theft under 18 U.S. Code 1028, as XXXX XXXX XXXX falsely associated my SSN with this loan without my consent. 

I have already submitted an official Identity Theft Report through IdentityTheft.gov, which is attached. The entire credit reporting history for this account is invalid, as it is based on unauthorized use of my SSN without a valid credit application. This account should be treated as false under the FCRA. 

Additionally, XXXX XXXX XXXX has publicly stated that it acts as a broker, not a lender. As such, it had no legal authority to collect, report, or furnish my SSN to any credit bureau without a new, explicit credit application, as required by the FCRA, GLBA, and the Consumer Financial Protection Act ( CFPA ). 

Upon further research, I discovered many other complaints on XXXX XXXX from customers reporting similar issues with XXXX XXXX XXXX, such as unauthorized credit reporting, retroactive SSN linkage, inflated loan balances, and pressure from company representatives. These complaints show that this is not an isolated issue, but a widespread problem affecting many consumers. 

These complaints further support my claim and highlight the need for an investigation into XXXX XXXX XXXX practices. The companys actions are illegal and violate consumer protection laws. I urge the authorities to take swift action and hold XXXX XXXX XXXX accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my report, and reaching out to the credit bureaus to correct, I have received letters back saying verified? 
My name is not correct, it lists my maiden name on both Equifax as well as Transunion, but is correct on Experian, which I have not used in XXXX  years. 
On my Equifax report It lists XXXX addresses that I have never lived at. 
My employer looks to be a made up name, only Equifax has it correct. 
This mis information is keeping me from moving forward with my home purchase. I have included my XXXX and work ID for your assistance, I would like these items removed and updated with the legal and correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my report, and reaching out to the credit bureaus to correct, I have received letters back saying verified? 
My name is not correct, it lists my maiden name on both Equifax as well as Transunion, but is correct on Experian, which I have not used in XXXX  years. 
On my Equifax report It lists XXXX addresses that I have never lived at. 
My employer looks to be a made up name, only Equifax has it correct. 
This mis information is keeping me from moving forward with my home purchase. I have included my XXXX and work ID for your assistance, I would like these items removed and updated with the legal and correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: DE

Complaint narrative:
This letter serves as an official dispute regarding a collection account listed on my credit report. I am demanding a reinvestigation of the reporting in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting in Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting this complaint to formally report inaccurate information on my credit report and the failure of both the credit reporting agency and the furnisher to properly investigate and correct it, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I identified the following inaccurate information on my credit report provided by TransUnion : XXXX XXXX XXXX, Balance : {$130.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$640.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$1100.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$930.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$510.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$1400.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$1400.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$510.00} Opened : XX/XX/XXXX ( Collections ) Issue : These accounts are listed as late, but I have never made a late payment I disputed this information directly with the credit reporting agency and provided supporting documentation. Under FCRA 611 ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation within 30 days of receiving my dispute. I also notified the data furnisher as required.

To date, this account ( s ) has not been properly investigated or corrected. The information remains on my report inaccurately, and I believe this constitutes : 1. A failure to perform a reasonable investigation ( FCRA 1681i ), 2. Continued reporting of inaccurate information ( FCRA 1681s-2 ), 3. Harm to my creditworthiness and financial standing.

This inaccurate reporting is negatively affecting my credit score and preventing me from obtaining fair access to credit. I request that the Consumer Financial Protection Bureau investigate this matter and hold the responsible party ( or parties ) accountable for compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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:
Subject : Complaint Regarding Inaccurate Credit Reporting in Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting this complaint to formally report inaccurate information on my credit report and the failure of both the credit reporting agency and the furnisher to properly investigate and correct it, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I identified the following inaccurate information on my credit report provided by TransUnion : XXXX XXXX XXXX, Balance : {$130.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$640.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$1100.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$930.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$510.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$1400.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$1400.00} Opened : XX/XX/XXXX ( Collections ) XXXX XXXX XXXX, Balance : {$510.00} Opened : XX/XX/XXXX ( Collections ) Issue : These accounts are listed as late, but I have never made a late payment I disputed this information directly with the credit reporting agency and provided supporting documentation. Under FCRA 611 ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation within 30 days of receiving my dispute. I also notified the data furnisher as required.

To date, this account ( s ) has not been properly investigated or corrected. The information remains on my report inaccurately, and I believe this constitutes : 1. A failure to perform a reasonable investigation ( FCRA 1681i ), 2. Continued reporting of inaccurate information ( FCRA 1681s-2 ), 3. Harm to my creditworthiness and financial standing.

This inaccurate reporting is negatively affecting my credit score and preventing me from obtaining fair access to credit. I request that the Consumer Financial Protection Bureau investigate this matter and hold the responsible party ( or parties ) accountable for compliance with the FCRA.

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