vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are being reported under my name without my knowledge or authorization. I have never opened, authorized, or managed these accounts, and their presence on my credit report is both inaccurate and deeply misleading. This situation is completely unacceptable, as it misrepresents my financial history and raises serious concerns about potential identity theft or reporting errors. 
I take the integrity of my credit profile very seriously, and the appearance of these unauthorized accounts is deeply troubling. I am requesting immediate clarification regarding how and why these accounts were added to my report, as well as who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-06-13 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: DE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: DE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am a victim of identity theft. Someone used my information to open fraudulent accounts. I XXXX XXXX XXXX Filing this CFPB complaint request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX XXXX and Equifax credit reporting agencies, block 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. These accounts consist of, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
I want to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy, as required by law. These errors are having a serious and ongoing negative impact on my lifefinancially, emotionally, and personallyin ways that are difficult to fully express. 
These are extremely challenging times for me, and having these inaccuracies corrected or removed would not only be a significant relief but truly a blessing. I urge you to take this matter seriously and act promptly to ensure my credit report reflects only accurate and verifiable 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and have discovered multiple fraudulent accounts on my credit reports with TransUnion, Experian, and Equifax. On XX/XX/XXXX, I filed an official FTC Identity Theft Report ( # XXXX ) documenting these fraudulent accounts. Despite this report and my subsequent disputes, these fraudulent accounts continue to appear on my credit reports dated XX/XX/XXXX. 

The fraudulent accounts include : XXXX. XXXX XXXX XXXXXXXX secured credit card ( account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/XXXX, with a credit limit of {$500.00} and a fraudulent amount of {$590.00}. This account was opened without my knowledge or consent. 

XXXX. XXXX XXXXXXXX XXXX XXXX ( account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/XXXX, with an original amount of {$42000.00}, currently showing as " XXXX XXXX '' with a past due amount of {$10000.00}. I never applied for, received, or benefited from this auto loan. 

XXXX. XXXX mobile phone account - Opened in XX/XX/XXXX with a fraudulent amount of {$1300.00}, as documented in my FTC Identity Theft Report. 

Additionally, my credit report shows numerous unauthorized inquiries made without my consent, including : XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX on XX/XX/XXXX. 

My credit reports also contain inaccurate personal information, including variations of my name and addresses I've never used, such as " XXXX XXXX  '' " XXXX, '' and addresses like " XXXX XXXX XXXX XXXX XXXX' and " XXXX XXXX XXXX. '' On XX/XX/XXXX, I sent certified dispute letters to all three credit bureaus, including my FTC Identity Theft Report and proof of identity, requesting immediate investigation and removal of these fraudulent accounts and inquiries. Despite providing clear evidence of identity theft, the credit bureaus have failed to properly investigate this matter and continue to report these fraudulent accounts. 

These fraudulent accounts and inquiries have significantly damaged my credit score ( currently between XXXX across bureaus ) and have resulted in denial of legitimate credit applications.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and have discovered multiple fraudulent accounts on my credit reports with TransUnion, Experian, and Equifax. On XX/XX/XXXX, I filed an official FTC Identity Theft Report ( # XXXX ) documenting these fraudulent accounts. Despite this report and my subsequent disputes, these fraudulent accounts continue to appear on my credit reports dated XX/XX/XXXX. 

The fraudulent accounts include : XXXX. XXXX XXXX XXXXXXXX secured credit card ( account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/XXXX, with a credit limit of {$500.00} and a fraudulent amount of {$590.00}. This account was opened without my knowledge or consent. 

XXXX. XXXX XXXXXXXX XXXX XXXX ( account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/XXXX, with an original amount of {$42000.00}, currently showing as " XXXX XXXX '' with a past due amount of {$10000.00}. I never applied for, received, or benefited from this auto loan. 

XXXX. XXXX mobile phone account - Opened in XX/XX/XXXX with a fraudulent amount of {$1300.00}, as documented in my FTC Identity Theft Report. 

Additionally, my credit report shows numerous unauthorized inquiries made without my consent, including : XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX on XX/XX/XXXX. 

My credit reports also contain inaccurate personal information, including variations of my name and addresses I've never used, such as " XXXX XXXX  '' " XXXX, '' and addresses like " XXXX XXXX XXXX XXXX XXXX' and " XXXX XXXX XXXX. '' On XX/XX/XXXX, I sent certified dispute letters to all three credit bureaus, including my FTC Identity Theft Report and proof of identity, requesting immediate investigation and removal of these fraudulent accounts and inquiries. Despite providing clear evidence of identity theft, the credit bureaus have failed to properly investigate this matter and continue to report these fraudulent accounts. 

These fraudulent accounts and inquiries have significantly damaged my credit score ( currently between XXXX across bureaus ) and have resulted in denial of legitimate credit applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
according to 15USC 1681C-2 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as verified without proper investigation. the company failed to send me any complaint the never sent verification of debt eh ORIGINAL contract bearing my signature & and explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
I want to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy, as required by law. These errors are having a serious and ongoing negative impact on my lifefinancially, emotionally, and personallyin ways that are difficult to fully express. 
These are extremely challenging times for me, and having these inaccuracies corrected or removed would not only be a significant relief but truly a blessing. I urge you to take this matter seriously and act promptly to ensure my credit report reflects only accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI

Complaint narrative:
I was unaware of this debt from GUARDIAN CAPITAL MANAGEMENT and did not have the opportunity to dispute this account. Please provide " Certified Mail '' with receipt displaying my signature. If not Please delete account as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander USA repossessed the vehicle and wrote the balance off profit and loss and has not refusing to provide 1099c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC 1692g ACCOUNTS : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
I am writing in reference to the recent CFPB lawsuit against Experian.I have been negatively impacted in a similar manner, as my credit opportunities were harmed after Experian responded to my prior dispute by stating that the accounts in question were " verified '' without providing any supporting documentation. 

I am formally requesting that Experian either produce verifiable proofwith all supporting documentation ( " the receipts '' ) demonstrating the accuracy of the information being reported, or that the disputed accounts be permanently deleted from my credit file, as required under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent multiple letters to XXXX, Experian, and XXXX. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief