vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$66000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} INQUIRIES : XXXX CARD Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

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 2025-08-07 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: CA

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

1681c-2 ) that you, the Experian XXXX XXXX , block 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. 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against the three major credit reporting agencies : Equifax, Experian, and TransUnion. My consumer credit reports contain inaccurate, fraudulent, and/or obsolete personal identifying information that violates the Fair Credit Reporting Act ( FCRA ). I have previously attempted to resolve this directly with the credit bureaus, but the inaccurate information remains. I request that the CFPB investigate this matter and compel these agencies to correct my credit file immediately.

Inaccurate Information to be Removed The following information, which appears on my credit reports, is fraudulent or obsolete and must be permanently deleted under the legal basis of 15 U.S.C. 1681c and 15 U.S.C. 1681e ( b ). 

Inaccurate Previous Addresses XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Inaccurate Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC, XXXX. XXXX XXXX, XXXX, GA XXXX STUDENT, XXXX  Legal Basis for Complaint The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' ( 15 U.S.C. 1681e ( b ) ). The inclusion of these fraudulent and obsolete addresses and employers constitutes a failure to meet this standard. Furthermore, these items are considered obsolete and must be permanently deleted under 15 U.S.C. 1681c.

Requested Action I request that the CFPB open an investigation into these credit reporting agencies and require them to take the following actions immediately : Permanently delete all of the inaccurate addresses listed above from my credit file.

Permanently delete all of the inaccurate employers listed above from my credit file.

Confirm in writing that these items have been removed from my credit reports.

Thank you for your attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because Equifax is failing to calculate and display my credit score accurately, both on their own platform and through third-party reporting agencies. Despite having an established credit history, my score is either not being generated or is reported incorrectly, which is preventing me from accessing credit products and financial opportunities. 

This error is causing significant financial harm and inconvenience. I have already sent a formal dispute letter to Equifax requesting that they : Investigate and resolve the error preventing the calculation of my credit score. 

Provide a written explanation of the cause and the corrective actions taken. 

Ensure my credit score is calculated correctly and reported to all relevant parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\nThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from mycredit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit XXXX XXXX XXXX block 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, inaccurate, and false information consists of * Fraudulent XXXX attached document These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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 : INQUIRIES : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX BANK NA Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I am a victim of identity theft. Someone used my information to obtain goods without my knowledge or consent

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 2025-08-07 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: FL

Complaint narrative:
I am a victim of identity theft. Someone used my information to obtain goods without my knowledge or consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: Bursey & Associates, P.C.
State: AZ

Complaint narrative:
I want to file a formal complaint against XXXX XXXX XXXX XXXX regarding their failure to provide me with IRS Form XXXX after reporting a charge-off on my account. The account in question was charged off in XX/XX/year>, and the charged-off balance exceeds {$600.00}, which, under IRS regulations ( 26 U.S. Code 6050P ), requires the lender to issue a XXXX to the borrower for potential tax reporting. 

To date, I have not received the XXXX, which has impaired my ability to accurately file my taxes and comply with federal tax obligations. This omission could also cause confusion with the IRS, as a creditor XXXX report the forgiven or canceled debt as income without my knowledge or the opportunity to dispute or verify the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting a complaint against TransUnion for failing to properly address my dispute regarding inaccurate items on my credit report. On XX/XX/year>, I sent a dispute letter to Transunion to address inaccurate items on my credit report. Along with this letter, I provided documentation to verify my identity, including a copy of my photo ID, Social Security card, and a recent utility bill with my current address. In my dispute, I specifically requested details about TransUnions verification process, including : - How the disputed item was verified, - The date TransUnion contacted the creditor, - Contact details of the creditor, - The name of the individual who conducted the verification, - The method of communication used ( e.g., phone, email, mail ), - Confirmation of whether the creditor provided sensitive personal information, such as my Social Security number, address, or date of birth, during verification. 
Despite my comprehensive and legitimate request, TransUnion has failed to provide any investigation results. The XXXX deadline set by the Fair Credit Reporting Act ( FCRA ) has passed without response. Under the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of their credit information. XXXX inaction violates this legal obligation and denies me my rights as a consumer. 
I am attaching a copy of my original dispute letter along with the identity verification documents as evidence.

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 2025-08-07 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: OR

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not verified to be of the maximum possible accuracy. These errors have been a heavy burden and continue to affect me negatively in ways that are difficult to fully express. These are challenging times for me, and it would truly be a great help, a blessing even, if these inaccuracies are corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sensible Auto Lending, LLC
State: SC

Complaint narrative:
Follow-Up Dispute Letter to XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-Up Dispute Fraudulent Signature by Sensible Auto Lending Dear XXXX, I am following up on my previous dispute regarding the account reported by Sensible Auto Lending. 
In response to my debt validation request, Sensible Auto provided a vehicle contract containing a digital or computer-generated signature that is not mine. I never signed this contract, nor did I authorize or approve any electronic signature. 
This constitutes a serious violation of the FCRA 607 and potentially fraud under federal and state laws.

As this debt is based on unauthorized documentation, I formally request that you : 1. Delete the Sensible Auto account from my credit file 2. Investigate the authenticity and legal basis of this accounts reporting Please confirm in writing that this account has been removed or provide detailed results of your reinvestigation. If no action is taken, I will escalate this matter to the CFPB and other legal authorities. 
Sincerely, XXXX XXXX enclosed is false Signatured contract sent and signed by Sensible auto, my Drivers license with my actual signature which does not match any of Sensible Auto impersonated forged signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 XXXX CXXXXe XXXXB 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 ( XXXX ) and the Truth in Lending Act ( XXXX ), 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 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 2025-08-07 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 XXXX CXXXXe XXXXB 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 ( XXXX ) and the Truth in Lending Act ( XXXX ), 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
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year>, I deposited funds into my Huntington Bank account before midnight to cover a negative balance as cash. I expected the deposit to process in time to prevent any returned charges. However, XXXX still returned multiple charges, stating that the funds were not availableeven though my deposit was made prior to the cutoff. 

As a direct result, XXXX of the returned transactions was my rent payment, which led to a {$150.00} penalty fee from my landlord. I contacted XXXX to explain that the deposit was made on time, but they declined to reverse the returned items or assist with the resulting hardship. 

This situation has caused me severe financial distress despite my efforts to make the deposit in good faith and on time. I believe XXXX posting policies are not transparent and that the returned item was processed unfairly. XXXX requesting that XXXX : Reimburse the NSF/return fees and Provide compensation or documentation to assist with recovering the {$150.00} rent penalty. 

Thank you for your help in resolving this.

Company response to consumer: Closed with explanation