vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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:
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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 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 2025-07-09 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: CA

Complaint narrative:
Inquiry XXXX XXXX XXXX2025 Account XXXX XXXX XXXX.2025 I am reporting a fraudulent inquiry and a fraudulent account found in my credit report

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 2025-07-09 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: GA

Complaint narrative:
I am a victim of identity theft due to the Experian data breach, which resulted in fraudulent accounts reporting on my credit reports despite being unauthorized. I filed an FTC Identity Theft Report and provided a notarized affidavit confirming my identity theft. Despite my efforts to protect my credit, these fraudulent accounts continue to report and harm my credit. The accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . Additionally, a XXXX XXXX account is also fraudulent and included in my affidavit, although I could not add it to the FTC report due to system limitations. I am requesting removal under the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( blocking identity theft data ), 1681e ( b ) ( accuracy ), and 1681i ( a ) ( reinvestigation ). These accounts continue to report monthly, showing charged-off or collection balances, despite being fraudulent and unauthorized. I request immediate investigation and removal of these accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am a victim of identity theft due to the Experian data breach, which resulted in fraudulent accounts reporting on my credit reports despite being unauthorized. I filed an FTC Identity Theft Report and provided a notarized affidavit confirming my identity theft. Despite my efforts to protect my credit, these fraudulent accounts continue to report and harm my credit. The accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . Additionally, a XXXX XXXX account is also fraudulent and included in my affidavit, although I could not add it to the FTC report due to system limitations. I am requesting removal under the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( blocking identity theft data ), 1681e ( b ) ( accuracy ), and 1681i ( a ) ( reinvestigation ). These accounts continue to report monthly, showing charged-off or collection balances, despite being fraudulent and unauthorized. I request immediate investigation and removal of these accounts from my credit reports.

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 2025-07-09 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: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
I got this loan for XXXX dollars about 2 months ago ; I was in bad financial shape and due to a bad credit score, had trouble getting a loan. Admittedly, I did not know what I was getting into at the start as I was desperate for cash. I got the money, but then was charged astronomical interest rates ; I paid them over XXXX  for what should have been only a XXXX dollar loan. I paid on time, and at the end of the payment schedule, I reasonably expected to be charged XXXX, according to their website, and reasonably expected my loan would be paid. Much to my surprise, I instead had over XXXX taken from my account ; I did not authorize this and did not expect this at all. 

As I live in Minnesota, I believe the lender does not even have license to operate in my state due to the interest rates they charge ; I did not know this when I was given the money, otherwise I would not have applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I missed my XX/XX/scrub>XXXX 2025 payment on my XXXX XXXX XXXX and then enrolled in a hardship/settlement plan with XXXX XXXX XXXX The plan was approved, and my first scheduled payment under the new agreement is due on XX/XX/year>2025. 

Despite this, XXXX XXXX  reported my account as 30 days past due. This is misleading and harmful. I enrolled in their hardship plan specifically to resolve the issue, and I was not informed that they would continue to report delinquencies after the plan was accepted. This defeats the purpose of offering hardship assistance. 

I also attempted to contact XXXX XXXX  in writing, but their secure message center was broken, and they offer no email or dispute form. I had no way to clarify or dispute the credit reporting before it posted. 

I am requesting that XXXX XXXX XXXX - Remove the 30-day delinquency from my credit report - Confirm my hardship plan in writing - Stop reporting negative marks during an active plan Their failure to provide working support tools and their misleading credit reporting are unacceptable.

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 2025-07-09 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: WA

Complaint narrative:
I received a hard credit inquiry from XXXX XXXX 

I never requested or did anything to authorize ANY sort of credit pull. 

I have had a XXXX XXXX  since XXXX that has been largely inactive. I did some reasearch and called XXXX. They apologized and said, " yes this happened to a large portion of our customers when we transitioned our credit to XXXX XXXX ''. I Confirmed was this supposed to happen without my authorization and they said no. When I asked for this in writing they would not provide me anything. I would like this hard inquiry removed from my credit report. 

I have had this account open since XXXX with no problems. Then out of nowhere I got a hard inquiry from XXXX XXXX without any authorization whatsoever from them requesting and me giving my authorization for them to pull my credit. 

This is extremely frustrating and do alot of protect my credit. Not to mention considering the fact that this unknown pull first could appear as some sort of fraud and cause drastic reaction. I have identified the pertitrators and according to message boards online this same situation happened to XXXX  and XXXX  of people.

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 2025-07-09 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: MS

Complaint narrative:
This is my second formal request for investigation regarding the accuracy and validity of the following accounts appearing on my credit report. Despite my initial dispute, these accounts have not been verified with proper documentation and remain on my report in violation of the Fair Credit Reporting Act ( FCRA ). 

Please initiate an in-depth investigation and provide documentation bearing my signature and/or legally verifiable evidence showing I authorized or opened these accounts. If such documentation can not be provided, I am requesting immediate deletion from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a formal notice to remind you that inaccurate, unverifiable, or outdated accounts must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
XX/XX/year> I contacted my bank to pick up my vehicle which I could not continue paying due to health problems, I did not receive documents from them, nor did they inform me if the vehicle was sold, I only know that they are destroying my credit with a balance owed of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This Debt is not Owed I have already Explained to them, and I am still a XXXX XXXX XXXXXXXX and do not Owe {$720.00} as they Said, and this have already been Removed from 2 other Credit Bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Around XX/XX/year> at XXXX am in the morning i was awakened by a JPMorgan Chase fraud text alert of a XXXX dollars transaction and i immediately said NO. I looked at my Chase app and noticed that there were about XXXX withdrawals totaling up to XXXX or so. I immediately called the Bank and explained to them of what had occurred. In a few days they reimbursed me. However, about XXXX days later they reversed it. They basically said that it was me that did such. Throughout all this I found out on my own that a duplicate card was sent to someone else in another XXXX. Yet, they wouldnt provide the full address. They claim that I did this because I live near the vicinity of where the card went. I have asked them and demanded answers but will not give it to me at all. Is always, you basically did it. They dont answer on why was a duplicate card sent to another address, they just dont answer. They also claim that because a pin was used that makes me the person who did this. All these transactions were done on XXXX XXXX at a Casino. The Bank claims that a pin was used and again, i live nearby. I had filled out an XXXX report and had the Detective on a three way conversation. A person from Chase bluntly said is a million in one that it wasnt me. Basically saying that it was me. I have continued to talk to them but they wont give me answers at all. I called the other day and they said : oh this matches your spending pattern which it does not. I have never taken out that much money, not even close. I would appreciate if I can get some help or do I perhaps need to hire a lawyer. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-09 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: First National Collection Bureau, Inc.
State: OR

Complaint narrative:
This is a response to a email received I am requesting validation on this debt.

Please send the following information : the name and address of the original creditor, the account number, the amount owed and the payment history per US code 15 usc 1681g section 1-3. 

Also included verification that there is a valid basis for claiming I am required to pay the current amount owed. Details of the age and amount of the debt including the last copy of the billing statement from the original creditor. A detail explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest. The original date the creditor claims the account became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please be aware that until the requested details are furnished that you have not fulfilled the requisites to report this account to the credit bureau and must immediately remove this account from my credit report if you can't furnish the requested information per U.S code 15 usc 1681g ( b ).

Also your permission to contact/communicate with me or my family by any other means except by mail through the United States Postal Service is revoked per U.S code 15 usc 1692c ( c ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IN

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: FL

Complaint narrative:
I am filing a complaint against CoreLogic XXXX failing to properly investigate an eviction record that is either inaccurate, outdated, or misreported. I disputed the information but received no resolution. This eviction was filed in XXXX XXXX XXXX ( Case # XXXX ), and I believe it was either misreported, duplicated, or lacking proper verification. This case is over two years old. I attempted to dispute it directly with the screening company, but I either received no response or an unsatisfactory one. The information is outdated, harmful to my rental prospects, and I believe it may be reported inaccurately or unfairly without proper context. I request that the CFPB review this matter and compel the agency to investigate the accuracy of this eviction record under the Fair Credit Reporting Act. If it can not be verified or is incomplete, it should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation