vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I reviewed my credit report and found inaccurate information related to this account. This is affecting my ability to get credit. I'm requesting a proper investigation into the following items : Experian : [ XXXX  XXXX ] - [ Account # XXXX ] The information is inaccurate because this is not my account. Which I stated to Experian i was a victim of identity theft and also my name is trademark and I plan on taking legal action for them keep reporting inaccurate information without my 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 explanation
Consumer complaint received 2025-08-15 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: PA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C.1681g ), and 604 ( 15 U.S.C.1681b ).

After reviewing my recent credit report, I have identified the following inquiries that Ido not recognize or authorize : XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: CO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I recently discovered a financial issue involving my name, but I did not authorize or initiate the actions in question. It appears that someone may have used my identitywithout my knowledge or consent. I want to clarify that I was not involved in these transactions and did not give permission for any accounts, inquiries, or financial decisions made in my name. I am concerned about the impact this may have on my credit and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Company/furnisher : XXXX  ( sold to XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX I paid this account pursuant to a court Stipulation of Settlement ( XXXX XXXX XXXX, Case No XXXX XXXX, dated XX/XX/year> ). Payments made XX/XX/year> and XX/XX/year> satisfied the balance ( {$360.00} ) in full. 
Despite payment, Equifax still reports the account as charged off/ {$360.00} written off. This is inaccurate and incomplete under the FCRA because the tradeline should reflect paid/closed {$0.00} and not continue to appear as an active derogatory. 
I asked the furnisher for written confirmation that the post-payment update/deletion was sent to all bureaus ; no confirmation was provided. 
Requested resolution : delete this tradeline from my Equifax file ( or, at minimum, correct it to paid/closed {$0.00} with accurate dates ). 
Attachments : settlement stipulation ( XX/XX/year> ), proof of payments ( XX/XX/year> & XX/XX/year> ), current credit report screenshot showing the charged-off status with {$0.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: AL

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: AL

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: SC

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. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : 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  - XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXX 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 seven 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im unlinked to these accounts ; take them off within XXXX  days as required by USC 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 2025-08-15 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: 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. 

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 List of Unauthorized Inquiries : XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXXL - XXXX 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 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 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 seven 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit report. I notice a late payment listed on XXXX XXXX that I believe is inaccurate. I have maintained on time payment and do not have documentation showing that this payment was legitimately 30 days late. 

I am requesting a full investigation and verification of this late payments. If the creditor is unable to provide sufficient evidence I am asking that the record you updated to reflect accurate 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 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-15 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, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  - XXXX XXXX  - XXXX XXXX - 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 - 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 - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 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 XXXX, XXXX, XX/XX/XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
there is a negative account on my credit report in the amount of XXXX owed to this company, I have never done business with this company and I don't know anything about the amount they allegedly say I owe to them and would like them to provide a full report of of how I owe them this amount with a wet signature stating that I owe them this amount and provide the chain of debt this has negatively impacted my credit report and impacted my mental health so I need them to get me answers asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: AZ

Complaint narrative:
My Correct Name is XXXX XXXX XXXX All Names on file : are inacurated on the list 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

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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 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 non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Comerica
State: TX

Complaint narrative:
Nothing was done about this situation and someone was able to steal {$120.00} out of my checking account on XX/XX/year>. This happened twice. The first time was on XX/XX/year> {$100.00} was stolen out of my checking account. This happened from a care attendant I fired and the other from XXXX employee. 
I also cant get into my XXXX XXXX XXXX  app or the other Credit apps. My money was illegally spent on a XXXX store or online XXXX shopping. My debit card was not safely delivered to me by XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I rebooted my mobile phone. So the bank restricted my account without letting me know or notify me. I tried making rent payment on XX/XX/XXXX. Usually it takes XXXX to XXXX business days to show on my side. So I didn't know that my payment has not been made because of this restriction on my account. I tried using this account and I found it restricted so I called the bank and they removed restrictions on XX/XX/XXXX. They said they resytricted on XX/XX/XXXX. They didn't text or mail or send me paper statements about this action. I tried contacting the bank for reimbursing my late payment fee I paid from different bank account after this incident. My rental apartment people couldn't help saying this is bank 's issue. so my rental manager talked to the bank connecting me on line. So the bank opened a case and said this case is closed without reason/ proof. I am still calling them and asking about the issue. No proper response or information. They are not good service. I need XXXX $ refund from the bank now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
My student loans are being serviced my Mohela. I use to get notifications in the mail and via email with my old servicer. I no longer get notifications in the mail. I do now get notifications via email saying there is an important message about repayment and to login to view it. I attempted to put in my login information which does not work. There's an option to use my date of birth and social which I do and it indicates the information I put in does not match their records. I have attempted to call serval times regarding this issue and am on hold for hours. When I am routed to a representative they ask for an account number and I am never able to give them one as I have never actually been able to successfully log into my Mohela account nor have they ever sent me anything in the mail with any account information on it. Most of the time the calls are dropped as they tell me they are routing me to another department or supervisor or I'm put on hold while they check on something but really they just hang up. I am worried because I am unsure what is going on with an account I can not see or log into.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-15 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: OH

Complaint narrative:
HEY, pls delte unauthrizd recrds of idenity theft from my report. XXXX them to rebuild my credit.

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 2025-08-15 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:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX  XXXX Inquired on XX/XX/year> XXXX XXXX/XXXX  Inquired on XX/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 2025-08-15 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: PA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C.1681g ), and 604 ( 15 U.S.C.1681b ).

After reviewing my recent credit report, I have identified the following inquiries that Ido not recognize or authorize : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Auto Dealers, Used TransUnion XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> Sales Financing TransUnion Account Not Found XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Auto Dealers, New TransUnion Account Not Found XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Auto Financing TransUnion

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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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