vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies.On XX/XX/year>, I entered into a loan agreement with XXXX. A tradeline reflecting this account was added to my credit reports shortly thereafter. On XX/XX/year>, my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TN

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: NC

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XXXX  I contacted Experian on the phone, provided them with all the necessary information for creating an account, and subsequently froze ( locked ) my credit file. Now I am trying to unfreeze my file. However, the Experian portal does not accept my login information as valid and says that my birthday and SSN do not match. 
When I call the Experian phone numbers, an AI agent does not give me an option to reach a human to resolve this issue. 
I urgently need to buy a car, which requires financing, and I need to unfreeze my credit file at Experian ASAP. 
Please, help me get to a human person at Experian.

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 2025-08-18 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: WA

Complaint narrative:
Transunion XX/XX/year> Equifax XX/XX/year> Experian XX/XX/year> there is a fraudulent account on my report that is preventing me from getting out of a XXXX XXXX household and into a safe home under my name with my children i do not owe a debt to any prior residents or collection under this name XXXX XXXX XXXX XXXX in the amount of XXXX. 
I have already filed a FTC report in regaurds to this collection on my credit accounts as well the bureas did not respond or have accurat information on how they have verified this debt as mine. I need this removed immediatly

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 2025-08-18 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-08-18 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: TN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-18 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: TN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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 filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX data breach. The fraudulent accounts appearing on my TransUnion report include a credit card with XXXX opened on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$7600.00}, a credit card with XXXX XXXX XXXX opened on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, and an unsecured loan with XXXX XXXX opened on XX/XX/XXXX under account XXXXXXXX XXXX XXXX with a balance of {$0.00}. I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my TransUnion credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$7600.00}, a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX with a {$0.00} balance, and an unsecured loan opened at XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX  with a {$0.00} balance. These accounts have caused fraudulent hard inquiries and collections on my report. I demand their immediate removal from my consumer credit reports and that all collection activity related to these accounts cease pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-08-18 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 four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: CT

Complaint narrative:
I had been having financial difficulties due to multiple emergency situations over the past few months, and my account had become past due by about three payments of {$330.00}. Due to being incredibly busy and having multiple stressful situations occurring in my life, I was not able to remember or find the time to reach out for assistance or check the account until today. I logged into my dashboard and saw that my account is showing up as charged off, despite having received no notice or warning of this. I reached out via the chat feature on the website/dashboard first, because I prefer to have all communication in written form for record keeping. I was advised that they were limited in how they could assist and was pressured to call. This is a continuation of shady and improper practices by Upgrade , Inc, which I have unfortunately experienced before, and I am requesting that the company reverses the charge-off and provides complete transparency and clarity on an exact date that the past due amount needs to be paid on or by, to avoid a repeated charge-off. If Upgrade , Inc. does not follow through on this, I am prepared to take my complaints regarding their practices to higher levels of regulation and counsel. I also request that any and all communication on this matter, including the company response, comes in writing and not by phone, for my record keeping. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
This CFPB complaint is being filed to request, pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you Transunion, the credit reporting agency - block and remove information appearing on my consumer credit report that is the result of identity theft and fraud. Under FCRA Section 605B, you are required to block such information within four ( 4 ) business days of receiving this complaint, along with the supporting documentation enclosed. 

The fraudulent, inaccurate, and false information includes multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and must be removed from my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} Additionally, there are fraudulent addresses and/or inquiries that I do not recognize and did not authorize, including : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These fraudulent accounts, addresses, and inquiries have caused significant damage to my consumer credit reports, as they were not opened, initiated, or authorized by me. All of the aforementioned items are the direct result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Report ( FTC Complaints # XXXX ) as proof from the U.S. Federal Trade Commission confirming that these items are the result of identity theft.

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 2025-08-18 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: The Phoenix Recovery Group
State: NM

Complaint narrative:
An eviction is being reported on my credit file that is inaccurate, incomplete, and unverifiable. I have disputed this eviction with the credit bureau and the furnisher ( landlord/collection agency ), but they have failed to provide proper validation. Continuing to report or attempt to collect on an unverifiable eviction violates federal law ( FCRA 15 U.S.C. 1681 ). I am requesting deletion of this eviction record and that all reporting and collection activity cease unless proper validation can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
Re : Immediate Demand for Correction and Deletion of Willfully Unlawful Credit Reporting Account # XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing regarding XXXX XXXX repeated and willful violations of federal and state law regarding the reporting of my account referenced above. Despite multiple disputes submitted over more than one year and 50+ CFPB and FTC complaints, XXXX XXXX has continued to report inaccurate and malicious information, intentionally harming my credit and my life. 

This letter serves as a formal demand for immediate, same-day deletion and correction of all inaccurate information related to this account. 

Violations include, but are not limited to : FCRA Violations 1681i : Failure to conduct a reasonable reinvestigation of disputed information 1681e ( b ) : Failure to maintain accurate credit information 1681s-2 ( b ) : Willful furnishing of inaccurate information to consumer reporting agencies 1681c : Reporting outdated or inaccurate information State of Florida Violations Florida Statutes 501.204 ( 1 ) : Deceptive and unfair trade practices Florida Consumer Collection Practices Act violations related to reporting inaccuracies Repeated Ignoring of Disputes Multiple dispute resolutions submitted directly to XXXX XXXX and via CFPB/FTC over more than 12 months Willful re-reporting of accounts as charged off despite documented disputes Malicious Misclassification Account improperly reported under open lines of credit Actions directly contradicting verified corrections previously requested Unauthorized Hard Inquiries Hard inquiries have been added to my credit without my authorization, further damaging my credit score

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 2025-08-18 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: NY

Complaint narrative:
This is not a mistake credit report contains clear inaccuracies that are unacceptable. These errors are severely impacting me and continue to cause significant harm. I expect these inaccuracies to be taken seriously and corrected without delay.

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