vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an inquiry that I did not authorize. I want to be clear : I gave no permission for this inquiry to be made, and there is no permissible purpose for it under the Fair Credit Reporting Act.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2025-05-14 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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:
In XXXX My credit report shows multiple accounts and inquiries I never opened none of these belong to me. This fraudulent activity is causing me severe distress. To resolve this as this shows I have been a victim of identity theft. The fraudulents accounts appearing on my report are as follows : XXXX XXXXXXXX ( Account number : XXXX ) - Unsecured Loan - Opened XX/XX/XXXX ; XXXX  XXXX - Credit Card - Opened XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) - Collection - Opened XX/XX/XXXX ; XXXX XXXX  - Collection - Opened XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) - Collection - Opened XX/XX/XXXX ; XXXX & XXXX XXXX XXXX XXXX Creditor : XXXX ) - Collection - Opened XX/XX/XXXX ; XXXX XXXX XXXX Mortgage - Opened XX/XX/XXXX ; XXXX XXXXXXXX ( XXXX ) - Unsecured Loan - Opened XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Account number : XXXX ) - Credit Card - Opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Account number : XXXX ) - Credit Card - Opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Account number : XXXX ) - Credit Card - Opened XX/XX/XXXX ; XXXX - Credit Card - Opened XX/XX/XXXX ; XXXX XXXX - Credit Card - Opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

Also, there are inquiries I do not recognize and appear to be involved with identity theft : XXXX XXXX, inquired on XX/XX/XXXX, XXXX, XXXX on XX/XX/XXXX, XXXX XXXX inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX, inquired on XX/XX/XXXX, XXXX XXXX, inquired XXXX XX/XX/XXXX, XXXX XXXX, inquired XXXX 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 non-monetary relief
Consumer complaint received 2025-05-14 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:
In XXXX My credit report shows multiple accounts and inquiries I never opened none of these belong to me. This fraudulent activity is causing me severe distress. To resolve this as this shows I have been a victim of identity theft. The fraudulents accounts appearing on my report are as follows : XXXX XXXXXXXX ( Account number : XXXX ) - Unsecured Loan - Opened XX/XX/XXXX ; XXXX  XXXX - Credit Card - Opened XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) - Collection - Opened XX/XX/XXXX ; XXXX XXXX  - Collection - Opened XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) - Collection - Opened XX/XX/XXXX ; XXXX & XXXX XXXX XXXX XXXX Creditor : XXXX ) - Collection - Opened XX/XX/XXXX ; XXXX XXXX XXXX Mortgage - Opened XX/XX/XXXX ; XXXX XXXXXXXX ( XXXX ) - Unsecured Loan - Opened XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Account number : XXXX ) - Credit Card - Opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Account number : XXXX ) - Credit Card - Opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Account number : XXXX ) - Credit Card - Opened XX/XX/XXXX ; XXXX - Credit Card - Opened XX/XX/XXXX ; XXXX XXXX - Credit Card - Opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

Also, there are inquiries I do not recognize and appear to be involved with identity theft : XXXX XXXX, inquired on XX/XX/XXXX, XXXX, XXXX on XX/XX/XXXX, XXXX XXXX inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX, inquired on XX/XX/XXXX, XXXX XXXX, inquired XXXX XX/XX/XXXX, XXXX XXXX, inquired XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
I am a victim XXXX XXXX XXXX  Someone had stolen my identity and used my personal information to open these accounts. Ive never gave anyone authorization or permission to open these accounts. I cant get a good job or provide for my family the way im supposed to. 
Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
I am a victim XXXX XXXX XXXX  Someone had stolen my identity and used my personal information to open these accounts. Ive never gave anyone authorization or permission to open these accounts. I cant get a good job or provide for my family the way im supposed to. 
Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 NOT PROVIDED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccurate information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-14 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:
In XX/XX/XXXX, I became aware of several accounts on my credit report that I did not open. These accounts were created without my knowledge and are the result of identity theft. 

The fraudulent accounts include : XXXX  XXXX XXXX Opened in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these accounts, nor was I involved in their creation. 

In addition, the following inquiries were made without my permission and must also be deleted : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2025-05-14 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CT

Complaint narrative:
In XX/XX/XXXX, I discovered that my credit report shows multiple accounts and inquiries that I never authorized, none of these are mine. The fraudulent activity is causing me a great deal of distress, and I feel completely overwhelmed by the situation.The fraudulent accounts include XXXX XXXX -secured loan- opened in XXXX and XXXX XXXX -secured loan- opened in XXXX. Additionally, there are several unauthorized inquiries on my credit report : XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, and XXXX XXXX inquired on 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 2025-05-14 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : TransUnion Violating FCRA 1681i ( a ) ( 1 ) ( A ) by Reporting False XXXX  Im heartbroken and furious, reaching out to the CFPB because TransUnion is destroying my financial life by inaccurately reporting a bankruptcy on my credit report, dated XX/XX/2025. Transunion is piling on more pain by ignoring my evidence and violating the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) ( A ). I sent them clear documentation from the bankruptcy court stating they never reported any information to credit bureaus, along with my proving this bankruptcy is is not verified. Yet, Transunion claimed the information was verified without providing a shred of documentation or written notification of their investigation process, as required by law. This isnt just a mistakeits negligence thats left me unable to get loans, stuck with terrible financing terms, and drowning in XXXX and sleepless nights over my ruined credit. I sent a Notice to Cure letter demanding mone, delete this reporting of bankruptcy, and confirm corrections within 5 days, but theyve ignored me, showing no regard for my rights or the harm theyre causing. Their failure to follow FCRA has cost me financially and emotionally, and Im begging the CFPB to hold TransUnion and XXXX accountable, force them to remove this fraudulent bankruptcy, and compensate me for the damage theyve done. Ive attached my court documentation and Notice to Cure letter for your review along with proper identification. Please help me get justice and reclaim my life

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 2025-05-14 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:
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 non-monetary relief
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
In XX/XX/XXXXXXXX I reviewed my credit report and discovered several accounts that were not opened by me. These entries were added without my authorization and are the result of identity theft. 

The fraudulent accounts include : XXXX XXXX Opened in XX/XX/XXXX XXXX XXXX XXXX Opened in XX/XX/XXXXXXXX XXXX XXXX XXXX Opened in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened in XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I had no involvement in any of these accounts.

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 2025-05-14 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: SC

Complaint narrative:
In XX/XX/XXXXXXXX I reviewed my credit report and discovered several accounts that were not opened by me. These entries were added without my authorization and are the result of identity theft. 

The fraudulent accounts include : XXXX XXXX Opened in XX/XX/XXXX XXXX XXXX XXXX Opened in XX/XX/XXXXXXXX XXXX XXXX XXXX Opened in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened in XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I had no involvement in any of these accounts.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I had a credit card account with XXXX XXXX that became delinquent during a period of financial hardship related to medical and mental health struggles. I have since resolved the balance in full, but the account continues to report as a charge-off and is harming my credit. This tradeline no longer reflects any unpaid or outstanding obligation, yet it continues to report as derogatory. I am requesting its deletion under the Fair Credit Reporting Act ( FCRA ), particularly Sections 609 and 611, due to its outdated nature and disproportionate negative impact. I have not been able to resolve this directly and am seeking CFPB assistance to ensure the account is either removed or updated appropriately to reflect its resolved status. ( This complaint is for EQUIFAXXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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