vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts listed on my credit report. These accounts are false, unauthorized, and completely unrelated to me. Their presence undermines the accuracy of my report and damages my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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 formally request that the referenced accounts be deleted from my record. I never authorized them, and they appear fraudulent. A proper inquiry is requested. Documentation is provided.

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 2025-09-12 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several inaccuracies on 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 explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
There are several inaccuracies on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute of fraudulent accounts listed on my credit report. These accounts are not mine, were not opened with my consent, and represent damaging inaccuracies. Their continued presence on my file is misleading, harmful, and unlawful.

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 2025-09-12 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: AZ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-12 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: GA

Complaint narrative:
There are several inaccuracies on 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 2025-09-12 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: CO

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-12 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 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 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I thought this company charging me for something that I did not did This is a demand for full payment of {$1800.00}. Please login to your account at XXXX and pay, or call our XXXX department at XXXX by XX/XX/year> to resolve this account. If you do not reply, we plan on sending your account to an attorney in the state of Texas. 
What would an attorney do? 
We intend to have a lawsuit filed against you. Before a lawsuit can be filed, an attorney must

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BROKER SOLUTIONS, INC.
State: MO

Complaint narrative:
My husband and myself had our first mortgage on our home with New American Funding. We recently did a cash out refi with XXXX  mortgage. This is not our first time doing a refinance. First I was told it would take XXXX business days to get the escrow account closed and the funds released. Ok fine. Then I notice that XXXX there is an escrow disbursement for the account, and then again on XXXX. I reach out to the escrow department and am told that XXXX XXXX tried to wire the funds to " our checking account ''. When I asked the agent which account was used she was unable to provide this information. She then proceeded to tell me that the department had tried to contact my husband or myself. I asked her did they try to call? No? A letter was mailed * probably the same day that the paper check was mailed * * I asked why would the escrow department not deposit a funding amount in the account the borrower had been making their mortgage payments in over the last year? This is something that needs to be addressed. Also If a company states they reached out with no answer are there phone records? Having a letter sent is not " reaching out ''. Now because of XXXX XXXX 's incompetence with my escrow account we are having to wait the " XXXX business days '' for a paper check. A recommendation I would suggest to their business line is if a payment comes back as not a valid account maybe REACH OUT TO THE CUSTOMER AND ASK IF THE ACCOUNT IN QUESTION IS STILL VALID? NO? IS THERE AN ACCOUNT PREFERED? CUSTOMER CAN PROVID UPDATED ACCOUNT AND FUNDS CAN BE RELEASED. Not having this option is poor customer service, poor client services and poor mortgage closure handling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: OH

Complaint narrative:
I am following up on a prior dispute about an unauthorized inquiry on my Equifax credit report : XXXX Equifax ( XX/XX/year> ) I asked Equifax to verify this inquiry last month, but they have not provided proof that I authorized or initiated it. Under the FCRA, every inquiry must have a permissible purpose. Since they have not shown verification, this inquiry should be deleted. 

This is now my second request. Equifax should not continue reporting unverifiable information that harms my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: IL

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 4 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 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. 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 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 2025-09-12 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: IL

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 4 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 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. 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 2025-09-12 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: MI

Complaint narrative:
CFPB XXXXomplaint Identity Theft & Credit Reporting Violations Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue Summary I am a victim of identity theft. My credit reports with Experian, Equifax, and TransUnion contain fraudulent accounts, unauthorized inquiries, and inaccurate personal information. Despite submitting an FTC Identity Theft Report, notarized affidavit, and supporting documents, the credit bureaus have not promptly blocked or deleted this information as required by the Fair Credit Reporting Act ( FCRA ).

Companies Involved Credit Reporting Agencies : Experian, Equifax, TransUnion Furnishers/ Collectors : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX fraudulent {$710.00} collection XXXX  XXXX XXXX XXXX {$490.00} account with inaccurate late history Creditors/ Inquiry Sources : XXXX XXXX XXXX, and other unauthorized/duplicative inquiry reporters Disputed Items XXXX  Account System ( XXXX XXXX ) : {$710.00} collection no signed contract or validation. 
XXXX  XXXX XXXX : {$490.00} unsecured account inaccurate and unverifiable late payment history. 
Unauthorized hard inquiries : XXXX XXXX XXXX, and other creditors no permissible purpose under FCRA 604 ( a ). 
Inaccurate personal information : Multiple false names and outdated addresses XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). 
Violations of Law FCRA 605B : Failure to block fraudulent information within 4 business days.

FCRA 609 & 611 : Right to disclosure and reinvestigation not honored.

FCRA 623 ( a ) ( 6 ) : Furnishers prohibited from re-reporting blocked identity theft d
ata.

FCRA 615 ( f ) : Prohibits sale or transfer of debts caused by identity theft.

FDCPA 809 ( b ) : Collectors must validate d
ebts prior to reporting.

Desired Resolution Immediate blocking and permanent deletion of all fraudulent accounts, unauthorized inquiries, and inaccurate personal information from Experian, Equifax, and TransUnion.

Written confirmation of deletions within 30 days.

Assurance that no fraudulent debts will be
reinserted, sold, or transferred to other collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: MI

Complaint narrative:
CFPB XXXXomplaint Identity Theft & Credit Reporting Violations Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue Summary I am a victim of identity theft. My credit reports with Experian, Equifax, and TransUnion contain fraudulent accounts, unauthorized inquiries, and inaccurate personal information. Despite submitting an FTC Identity Theft Report, notarized affidavit, and supporting documents, the credit bureaus have not promptly blocked or deleted this information as required by the Fair Credit Reporting Act ( FCRA ).

Companies Involved Credit Reporting Agencies : Experian, Equifax, TransUnion Furnishers/ Collectors : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX fraudulent {$710.00} collection XXXX  XXXX XXXX XXXX {$490.00} account with inaccurate late history Creditors/ Inquiry Sources : XXXX XXXX XXXX, and other unauthorized/duplicative inquiry reporters Disputed Items XXXX  Account System ( XXXX XXXX ) : {$710.00} collection no signed contract or validation. 
XXXX  XXXX XXXX : {$490.00} unsecured account inaccurate and unverifiable late payment history. 
Unauthorized hard inquiries : XXXX XXXX XXXX, and other creditors no permissible purpose under FCRA 604 ( a ). 
Inaccurate personal information : Multiple false names and outdated addresses XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). 
Violations of Law FCRA 605B : Failure to block fraudulent information within 4 business days.

FCRA 609 & 611 : Right to disclosure and reinvestigation not honored.

FCRA 623 ( a ) ( 6 ) : Furnishers prohibited from re-reporting blocked identity theft d
ata.

FCRA 615 ( f ) : Prohibits sale or transfer of debts caused by identity theft.

FDCPA 809 ( b ) : Collectors must validate d
ebts prior to reporting.

Desired Resolution Immediate blocking and permanent deletion of all fraudulent accounts, unauthorized inquiries, and inaccurate personal information from Experian, Equifax, and TransUnion.

Written confirmation of deletions within 30 days.

Assurance that no fraudulent debts will be
reinserted, sold, or transferred to other collectors.

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