vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard 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 hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, the report must only include information that is accurate, complete, and verifiable. I request verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or 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 2025-09-04 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:
t feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
An inaccurate late payment has been reported on my credit file. My records confirm timely payments, and this entry is false. Allowing it to remain creates a misleading and damaging impression.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
CFPB Complaint Statement I am filing this complaint against TransUnion, Experian, and Equifax for their failure to remove fraudulent hard inquiries from my consumer credit file. These inquiries do not belong to me, and I never granted authorization, consent, or permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

I have disputed these inquiries as fraudulent directly with the credit reporting agencies, yet they continue to report them without providing any proof of authorization. This is a direct violation of FCRA 1681i, which requires a reasonable reinvestigation of disputed information, as well as FCRA 1681b, which prohibits furnishing a consumer report without a permissible purpose.

Furthermore, both TransUnion and Equifax have suffered confirmed consumer data breaches, in which my personal identifying information was compromised. Their negligence in safeguarding my information has directly exposed me to identity theft and unauthorized use of my credit profile. Instead of protecting me as a consumer, these agencies have allowed fraudulent inquiries to remain, further damaging my credit standing. 

I am demanding the immediate deletion of all unauthorized inquiries from my credit file and full compliance with federal law. If this matter is not resolved promptly, I reserve my right to pursue all available remedies under the FCRA, including statutory damages, attorneys fees, and additional claims for negligence in the protection of my personal data. 

Inquires Below 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 2025-09-04 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: TX

Complaint narrative:
CFPB Complaint Statement I am filing this complaint against TransUnion, Experian, and Equifax for their failure to remove fraudulent hard inquiries from my consumer credit file. These inquiries do not belong to me, and I never granted authorization, consent, or permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

I have disputed these inquiries as fraudulent directly with the credit reporting agencies, yet they continue to report them without providing any proof of authorization. This is a direct violation of FCRA 1681i, which requires a reasonable reinvestigation of disputed information, as well as FCRA 1681b, which prohibits furnishing a consumer report without a permissible purpose.

Furthermore, both TransUnion and Equifax have suffered confirmed consumer data breaches, in which my personal identifying information was compromised. Their negligence in safeguarding my information has directly exposed me to identity theft and unauthorized use of my credit profile. Instead of protecting me as a consumer, these agencies have allowed fraudulent inquiries to remain, further damaging my credit standing. 

I am demanding the immediate deletion of all unauthorized inquiries from my credit file and full compliance with federal law. If this matter is not resolved promptly, I reserve my right to pursue all available remedies under the FCRA, including statutory damages, attorneys fees, and additional claims for negligence in the protection of my personal data. 

Inquires Below 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
I am filing this complaint because Equifax continues to report charge-offs that should not be there. Specifically : Bank XXXX XXXX ( acct XXXX ) XXXX XXXX XXXXXXXX ( acct XXXX ) Macys ( acct XXXX ) I disputed these accounts more than once. Under the FCRA, 15 U.S.C. 1681s-2 ( b ), once Equifax tells the furnisher about my dispute, the furnisher has to investigate and correct or delete anything that isnt accurate. 

But thats clearly not happening. TransUnion does not even show these accounts as charge-offs, while Equifax and XXXX  keep reporting them as charge-offs. That kind of mismatch means someone isnt investigating properly, and Equifax is letting inaccurate information stay on my file.

Ive done my own research into the CFPBs rules, and I know the law requires furnishers to actually investigate, not just rubber-stamp verified. Equifax has an obligation too maximum possible accuracy means they cant just accept whatever the bank says when another bureau has different info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 605B ( 15. U. S. C.

1681c2 ) 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 four 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 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard 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 hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I closed this account properly now being sued. I am on SSI and public assistance dont understand why i am being sued.

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 2025-09-04 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 filing this complaint to dispute a fraudulent account listed under my name. I did not open, authorize, or use this account, and I have no connection to it. The reporting is false, misleading, and damaging to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/year>, I had an outstanding balance of {$3500.00} with Capital One credit card company. 

XX/XX/year> I contacted Capital One and informed of them of a personal financial hardship and needed to adjust the existing scheduled payment arrangement. 

XX/XX/year>, I received a letter from Capital One that they were selling my loan to another financial institution and sending for collection. The dollar amount reported to the other company was {$4000.00} - which appears Capital One added an excess of late fees before selling to the other provider of the credit card ( XXXX XXXX XXXX XXXXXXXX ) Both of these companies have reported this outstanding amount to the 3 credit reporting agencies and will not remove this incorrect information. This is an unfair practice towards consumer to damage their credibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Last Payment : XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Last Payment : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/year> I am disputing the late payment history reported on the above-referenced account. My records Reflect timely payments, making the reporting inaccurate.

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 2025-09-04 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: TX

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my Round 2 credit dispute.

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days. 

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( XXXX ) are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inaccurately as Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection/Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX, XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35.00} Account Name : XXXX XXXX XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX & Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} Account Name : XXXX XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed inaccurate reporting on a Capital One account. During the reinvestigation process, the credit bureau removed the consumer disputes remark and replaced it with a generic code. This caused the charged-off account to be fully factored into my credit score, dropping my score by XXXX points, even though the reinvestigation is not complete. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) : Under 611, disputed information must remain under dispute until the reinvestigation is complete.

Under 623, furnishers must not report misleading or incomplete information.

I request that the credit bureau : 1. Reinstate the proper consumer disputes remark. 
XXXX. Ensure the account is reported accurately during reinvestigation. 
XXXX. Provide confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: Westlake Services, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Report Information Dear XXXX  Dispute Department, I am writing to formally dispute inaccurate information listed on my Equifax credit report dated XX/XX/XXXX ( Confirmation # XXXX ). Under the Fair Credit Reporting Act ( FCRA ), Section 611, I request an investigation into the following account ( s ), as I believe the information is either inaccurate, incomplete, or unverifiable. 
Account ( XXXX ) in Dispute : XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX o Reported balance : {$1900.00} o Status : Collection/Charge Off o Issue : I do not recognize this account and request validation. The account is reported with a first delinquency date of XX/XX/XXXX, but was allegedly opened on XX/XX/XXXX, which is inconsistent and inaccurate. 
XXXX. XXXX XXXX Account XXXX XXXX XXXXXXXX o Reported balance : {$17000.00} | Status : Charge Off / Repossession o Issue : The balance reported is inconsistent, showing different high credit and charge off amounts across multiple months. This account contains conflicting information and must be corrected or removed. 
XXXX XXXX XXXX ( Progressive ) Account # * XXXX o Reported balance : {$510.00} | Status : Unpaid Collection o Issue : This account duplicates prior Progressive information already reported with XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  marked Paid ). Reporting duplicate collections for the same original debt is inaccurate. 
XXXX. XXXX XXXX XXXX Acct XXXX XXXX  XXXX o Balance : {$15000.00} | Status : Charge Off o Dispute : Account reporting is incomplete and unverifiable. I dispute its accuracy.

Requested Action : Please conduct a reinvestigation of the above accounts.

If the furnisher can not verify the accuracy with proper documentation, I request that the disputed items be corrected or deleted from my credit file in compliance with the FCRA. 
Attached are copies of my identification ( drivers license ) to assist in verifying my identity. 
Please provide me with written confirmation of the results of your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation