vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX at Experian at approximately XXXX PM EST regarding the removal of XXXX XXXX  inquiries that were previously disputed on XX/XX/XXXX : XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX For items XXXX XXXX XXXX XXXX XXXX  I submitted a valid FTC Identity Theft Report ( XXXX XXXX ) as required by FCRA XXXX. 
For item XXXX XXXX I also submitted a CFPB complaint ( XXXX XXXXXXXX ). 

Despite this, XXXX falsely stated that Experian could not remove the inquiries unless I contacted the creditors directly. This is factually incorrect and violates FCRA XXXX, which places the obligation solely on the bureau once identity theft documentation is submitted. 

It has been over XXXX days, and Experian continues to willfully ignore the law, causing harm and delays. I request immediate CFPB enforcement action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
To whom ever this XXXX concern im a victim of identity theft. There has been multiple XXXX  loans applied for that are fraudulent. Someone has my wallet i lost in XXXX XXXX XXXX, they have been applying me for XXXX  loans and major credit cards. Please understand i have never owned a property i also have never had any home loan. Whom ever has access to my identity just won't stop trying too apply for home loans and auto loans. I also would like the fraudulent XXXX  inquiries removed as well listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As of today I would like all fraudulent home loans and auto loan removed along with the fraudulent XXXX  inquiries. Please understand this has been a nightmare so I need this resolved ASAP I can be reached at the contact information provided in my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: KY

Complaint narrative:
They could not verify those unauthorized collection accounts or any accounts also all these companies have been contacted and the information goes back on my credit report illegally under fair credit Act XXXX XXXX section XXXX Section XXXX XXXX XXXX section XXXX Sections XXXX ( d ) ( XXXX ) XXXX ( d ) and section XXXX ( a ) ( D ) I HAVE UNAUTHORIZED COLLECTION ACCOUNTS ON MY CREDIT REPORT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: HI

Complaint narrative:
My XXXX  was renewed without my full consent in a rate of XXXX percent I am crying every day trying to close my account sending them letters since XXXX and nothing has been done I want this XXXX  closed please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: OH

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-07-29 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: CO

Complaint narrative:
On or before XX/XX/year>XXXX  Experian received documents supporting fraudulent accounts on my credit report, I am writing to formally assert a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, by Experian for its failure to properly and timely block information on my credit report that I identified as resulting from identity theft. I submitted all required documentation, including a police report and a formal identity theft affidavit, clearly identifying specific accounts as fraudulent. Despite this, Experian has failed to block the disputed items within the required timeframe or has allowed the fraudulent accounts to remain or reappear on my report. Experian had 4 business days to block the fraudulent account and failed to do so. This noncompliance has caused me continued harm, including damage to my creditworthiness, emotional distress, and denial of financial opportunities. Experians failure to fulfill its statutory duty constitutes a willful and/or negligent violation of FCRA 1681c-2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: RI

Complaint narrative:
Company : Lender : XXXX XXXX  XXXX : Opportunity Financial , LLC ( OppLoans ) Loan Amount : {$2900.00} Loan Date : XX/XX/2025 Loan Account Number : [ Insert full or partial number if submitting privately ] Complaint Summary : I am a resident of Rhode Island and am disputing the legality and enforceability of a high-interest installment loan issued by XXXX XXXX  and XXXX by OppLoans. 

The loan issued on XX/XX/2025 was for {$2900.00} and carries an APR that exceeds 100 %, far above XXXX XXXX legal limit of 21 % under XXXX XXXX Laws XXXX. 

XXXX and OppLoans operate using a rent-a-bank scheme designed to evade state interest rate caps. As a Rhode Island consumer, I am protected by my states usury laws. This loan would be unlawful and unenforceable if issued directly by a non-bank lender. 

I requested that OppLoans cease collection, void the loan, and remove XXXX XXXX XXXX based on this violation. They refused, citing XXXX XXXX XXXX  and claiming compliance with all pertinent statutes. 

I am requesting the CFPB to investigate OppLoans and XXXX XXXX use of rent-a-bank lending models to issue usurious loans to Rhode Island XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  - Account Number : CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$890.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
IT HAS COME TO MY ATTENTION THAT MY PERSONAL INFORMATION WAS EXPOSED IN A NATIONAL DATA BREACH. AFTER REVIEWING MY CREDIT REPORTS I NOTICED SOME ACCOUNTS I AM NOT FAMILIAR WITH. I HAVE ASKED THE CRA 'S FOR VALIDATION OF DEBT HOWEVER THE INFORMATION HAS NOT BEEN GIVING TO ME. DUE TO MY INFORMATION BEING EXPOSED I HAVE SUBMITTED A FTC COMPLAINT REPORTING INFORMATION I AM NOT FAMILIAR WITH. 

PLEASE FIND ATTACHED COPY OF MY FTC REPORT AND XXXX REPORT SHOWING MY EXPOSED INFORMATION IN A NATIONAL DATA BREACH AND A DEBT VALIDATION LETTER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they have been seriously affecting both my life and XXXX XXXX. These inaccuracies are preventing me from achieving financial stability and freedom.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a XXXX XXXX account under an XXXX XXXX XXXX XXXX XXXX as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX Re : Identity Theft Dispute and Request for Investigation Pursuant to FCRA XXXX To Whom It XXXX Concern, I am writing to formally dispute and request removal of fraudulent and derogatory accounts that have appeared on my credit report due to identity theft. I am a confirmed victim of the XXXX XXXX  XXXX XXXX, which exposed the sensitive personal and financial data of over XXXX XXXX Americans, including myself. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. 
XXXX ( XXXX XXXX ), I am requesting that the following accounts be blocked from my credit file as they are the result of identity theft : XXXX, XXXX XXXX XXXX  : XXXX. XXXX. XXXX. XXXX. XXXX Card Account XXXX XXXXXXXX {$3100.00} XXXX XXXX XXXX XXXX  AIDVANTAGE Account XXXX XXXXXXXX {$2000.00} XXXX XXXX XXXX Account XXXX XXXXXXXX {$170.00} XXXX XXXX XXXX Account XXXX XXXX {$9500.00} Attached is my signed Identity Theft Affidavit attesting to the fraudulent nature of these accounts. I have also included a copy of my government-issued ID and proof of residence. 
Please investigate this matter and block these accounts from my credit report in accordance with FCRA XXXX. I expect written confirmation once the accounts have been removed or updated appropriately. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX Re : Identity Theft Dispute and Request for Investigation Pursuant to FCRA XXXX To Whom It XXXX Concern, I am writing to formally dispute and request removal of fraudulent and derogatory accounts that have appeared on my credit report due to identity theft. I am a confirmed victim of the XXXX XXXX  XXXX XXXX, which exposed the sensitive personal and financial data of over XXXX XXXX Americans, including myself. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. 
XXXX ( XXXX XXXX ), I am requesting that the following accounts be blocked from my credit file as they are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XXXX XXXX XXXX  / XXXX Account XXXX XXXX {$2000.00} Credence Resource Management Account XXXX XXXX  {$170.00} XXXX XXXX XXXX Account XXXX XXXXXXXX {$9500.00} Attached is my signed Identity Theft Affidavit attesting to the fraudulent nature of these accounts. I have also included a copy of my government-issued ID and proof of residence. 
Please investigate this matter and block these accounts from my credit report in accordance with FCRA XXXX. I expect written confirmation once the accounts have been removed or updated appropriately. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am submitting this formal complaint due to inaccurate and unauthorized XXXX  inquiries appearing on my credit report with XXXX. I have already submitted disputes to all XXXX major XXXX XXXX XXXX XXXX XXXX XXXX regarding the following inquiries and accounts : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX, XXXXXXXX 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 Both XXXX XXXX XXXX completed their investigations and removed these unauthorized inquiries/accounts from my file. However, XXXX failed to conduct a proper investigation and refused to remove these entries, even after being provided documentation and prior results from the other XXXX. 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( a ) ( XXXX ) ( A ), which requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information. 

Additionally, I have begun gathering supporting documents and plan to submit them to and the Federal Trade Commission ( FTC ). XXXX failure to follow proper reinvestigation procedures and to align their resolution with the findings of XXXX  and XXXX  is unacceptable and is damaging to my creditworthiness. 

I am requesting immediate removal of these inaccurate and unauthorized inquiries/accounts from my XXXX  credit report.

Company response to consumer: Closed with non-monetary relief