vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because the credit bureaus have repeatedly failed to properly investigate the disputes I have filed regarding multiple accounts that I do not recognize and that are being reported inaccurately on my credit file. I have submitted disputes multiple times, yet these accounts continue to appear without any correction, deletion, or adequate explanation. 

These accounts are not mine, and the information being reported is inconsistent and incorrect across the bureaus. I have now filed an official FTC Identity Theft Report, which I am attaching, along with copies of my previous disputes. Despite providing clear documentation that these accounts are fraudulent, the bureaus have either verified them improperly or taken no meaningful action at all. 

This ongoing negligence has caused significant harm to my credit and has prevented me from resolving matters that should have been addressed during the initial disputes. The bureaus have not fulfilled their obligations under the FCRA to conduct a reasonable and thorough investigation.

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 2025-11-15 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: OH

Complaint narrative:
I was a victim of predatory lending by XXXX XXXX. Their loan terms were unfair and the reporting on my credit is inaccurate. 

Under the Fair Credit Reporting Act, - 15 U.S.C. 1681 requires all credit reporting to be fair, accurate, and verified. 
- XXXX make credit bureaus and furnishers liable for reporting false or unverifiable information. 

Im requesting an immediate reinvestigation and deletion of this account if it can not be fully verified with original documentation. 


This dispute is made in good faith under my rights granted by the FCRA. Please provide confirmation and the results of your reinvestigation.

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 2025-11-15 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: OH

Complaint narrative:
I was a victim of predatory lending by XXXX XXXX. Their loan terms were unfair and the reporting on my credit is inaccurate. 

Under the Fair Credit Reporting Act, - 15 U.S.C. 1681 requires all credit reporting to be fair, accurate, and verified. 
- XXXX make credit bureaus and furnishers liable for reporting false or unverifiable information. 

Im requesting an immediate reinvestigation and deletion of this account if it can not be fully verified with original documentation. 


This dispute is made in good faith under my rights granted by the FCRA. Please provide confirmation and the results of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Violations : Collection activity reported BEFORE account open date Timeline impossible and unverifiable FCRA Laws Violated : 15 USC 1681e ( b ) 15 USC 1681i 15 USC 1681s-2 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-15 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: NV

Complaint narrative:
To Experian, Equifax, and TransUnion, I am writing to formally dispute multiple inaccuracies on my credit reports, including incorrect addresses and an unauthorized inquiry, and request a full reinvestigation under FCRA 623 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 607 ( b ), 605 ( a ), 604 ( a ), and 611. Upon reviewing my reports, I discovered that my personal addresses are inaccurately reported across the three credit bureaus. Specifically, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX appears in Experian, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX appear in Equifax, and XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX appear in TransUnion. These discrepancies demonstrate that both furnishers and CRAs have failed to maintain the maximum possible accuracy of my personal information, violating FCRA obligations and potentially misattributing accounts or errors to my credit profile. 
Additionally, I am disputing an unauthorized hard inquiry reported in Equifax by XXXX dated XX/XX/2024, which remains on my report without my permission and exceeds permissible reporting limits. This inquiry violates FCRA 604 ( a ) and 605 ( a ), which require a permissible purpose for all inquiries and restrict how long inquiries may remain on a consumer report. The presence of this inaccurate and unauthorized inquiry not only misrepresents my credit history but also has a detrimental effect on my credit score and financial credibility, and it must be corrected or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-15 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: NV

Complaint narrative:
To Experian, Equifax, and TransUnion, I am sending this dispute because as I reviewed my credit reports, I discovered multiple inaccuracies that violate my rights under several sections of the Fair Credit Reporting Act.

These violations include FCRA Section 623 ( a ) ( 1 ), which requires furnishers to supply only accurate information, and FCRA Section 607 ( a ), which requires each of you, as consumer reporting agencies, to maintain procedures that ensure maximum possible accuracy. I am also invoking my rights under FCRA 623 ( a ) ( 2 ), which requires immediate correction and updating of false or incomplete data, as well as my rights under FCRA 623 ( a ) ( 1 ) ( A ), which mandates proper verification of any information attached to my consumer file. 
XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: NV

Complaint narrative:
To Experian, Equifax, and TransUnion, I am sending this dispute because as I reviewed my credit reports, I discovered multiple inaccuracies that violate my rights under several sections of the Fair Credit Reporting Act.

These violations include FCRA Section 623 ( a ) ( 1 ), which requires furnishers to supply only accurate information, and FCRA Section 607 ( a ), which requires each of you, as consumer reporting agencies, to maintain procedures that ensure maximum possible accuracy. I am also invoking my rights under FCRA 623 ( a ) ( 2 ), which requires immediate correction and updating of false or incomplete data, as well as my rights under FCRA 623 ( a ) ( 1 ) ( A ), which mandates proper verification of any information attached to my consumer file. 
XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, 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 2025-11-15 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: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days! 

These Fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I opened a dispute with Cash App for a {$50.00} transaction that I did not authorize. I followed all of Cash Apps instructions, including blocking the merchant and confirming that the payment was not made by me. Cash App marked the dispute as completed, but they have not refunded the {$50.00} or explained why the unauthorized charge was processed. I still have not received the money back, and the company has not provided any meaningful information or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
Despite being paid in full, the account continues to show late payment information.

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 2025-11-15 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
Phil Long Ford XXXX XXXX XXXX, wrote a fraudulent contract. The dealership used an inflated sale amount which in turn caused the Truth in Lending disclosures to be inaccurate. They also charged fees and services I did not authorize.

I recently noticed this when reviewing my contract. The Sales Agreement was also incomplete and does not match the Retail Installment Contract numbers.

Company response to consumer: Closed with monetary relief