vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX To XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion  XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute & Debt Validation Request Account Name : XXXX XXXX  Account Number : XXXX Dear Experian, XXXX, TransUnion, and XXXX XXXX, This letter serves as a formal dispute of the above-referenced alleged debt and a request for validation. Please note that this is not an acknowledgment of liability.

To the Debt Collector MIDLAND CREDIT ( FDCPA 15 U.S.C. 1692g ) : I hereby request complete validation of this alleged debt. Specifically, provide the following : The exact amount of the alleged debt, including a detailed itemization of all interest, fees, and charges.

The full name and address of the original creditor.

A complete payment history and accounting showing how the balance was calculated.

Copies of any and all signed contracts, agreements, or documents that prove I am legally obligated to pay.

Documentation proving your authorization to collect in my state.

Until such validation is provided in writing : You are prohibited from selling, transferring, or assigning this alleged debt. 

You must cease all collection activity, including reporting or continuing to report this account to any credit bureau. 

To the Credit Bureaus Experian, Equifax, and TransUnion ( FCRA 15 U.S.C. 1681i ) : I dispute the accuracy and completeness of this account on my credit report. Under the Fair Credit Reporting Act, you are required to : Conduct a reasonable reinvestigation of this account. 

Verify the account with complete and accurate documentation from the furnisher ( XXXX XXXX ) Remove or correct the account if the furnisher can not provide sufficient evidence within the statutory timeframe. 


I expect a written response within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of unauthorized inquiries listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ), no entity may access my credit file without permissible purpose. These inquiries were not authorized by me and are a direct violation of my rights under federal law.

Inquiries to be Removed : 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 for Dispute : Lack of Permissible Purpose Under FCRA 604 ( a ), credit reporting agencies may only furnish reports for specific permissible purposes. I did not apply for credit with these companies, nor did I authorize these entities to access my consumer report. 

Violation of My Consumer Rights By allowing unauthorized inquiries to remain, the bureau is furnishing inaccurate information in violation of FCRA 607 ( b ), which requires credit bureaus to assure maximum possible accuracy. 

Case Law Support Pintos v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX held that credit inquiries without a valid permissible purpose violate the FCRA. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinforces the duty of bureaus to conduct meaningful investigations of disputed items.

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 2025-08-16 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: VA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of unauthorized inquiries listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ), no entity may access my credit file without permissible purpose. These inquiries were not authorized by me and are a direct violation of my rights under federal law.

Inquiries to be Removed : 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 for Dispute : Lack of Permissible Purpose Under FCRA 604 ( a ), credit reporting agencies may only furnish reports for specific permissible purposes. I did not apply for credit with these companies, nor did I authorize these entities to access my consumer report. 

Violation of My Consumer Rights By allowing unauthorized inquiries to remain, the bureau is furnishing inaccurate information in violation of FCRA 607 ( b ), which requires credit bureaus to assure maximum possible accuracy. 

Case Law Support Pintos v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX held that credit inquiries without a valid permissible purpose violate the FCRA. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinforces the duty of bureaus to conduct meaningful investigations of disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-08-16 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
I am filing this complaint because my identity has been exposed and my credit reports have been seriously compromised. 

At some point after my familys storage units were auctioned off, my personal identifying information was exposed. Following this, I discovered that my date of birth had been incorrectly changed on all three major credit bureaus ( Experian, TransUnion, and Equifax ). My correct date of birth is XX/XX/year>, but my credit reports now incorrectly reflect that I am older ( XXXX ). 

As a result of this error, more than XXXX unauthorized credit inquiries appeared on each of my credit reports, along with debts that were allegedly accrued before I was even XXXX XXXX XXXX. Since I was legally a minor at the time, these debts could not possibly have been legitimately incurred by me.

I have submitted multiple disputes to each credit reporting agency, providing my government-issued identification and proof of my correct date of birth. Despite my repeated efforts, the inaccuracies have not been corrected, and the agencies continue to report an incorrect date of birth, numerous unauthorized inquiries, and debts that do not belong to me. 

I am now XXXX XXXX XXXX and just starting out in life. However, these errors have left me with a severely damaged and inaccurate credit history, preventing me from building credit, applying for housing, or moving forward financially. 

No credit reporting agency has taken responsibility for correcting this issue, and I am asking for help to finally resolve it. I need my date of birth corrected, the fraudulent inquiries removed, and all debts that pre-date my XXXX birthday deleted from my reports. 

I respectfully request the CFPBs intervention to ensure that my rights under the Fair Credit Reporting Act are upheld and that these inaccuracies are corrected so I can begin my adult life with a fair and accurate credit record

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 2025-08-16 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: VA

Complaint narrative:
I am filing this complaint because my identity has been exposed and my credit reports have been seriously compromised. 

At some point after my familys storage units were auctioned off, my personal identifying information was exposed. Following this, I discovered that my date of birth had been incorrectly changed on all three major credit bureaus ( Experian, TransUnion, and Equifax ). My correct date of birth is XX/XX/year>, but my credit reports now incorrectly reflect that I am older ( XXXX ). 

As a result of this error, more than XXXX unauthorized credit inquiries appeared on each of my credit reports, along with debts that were allegedly accrued before I was even XXXX XXXX XXXX. Since I was legally a minor at the time, these debts could not possibly have been legitimately incurred by me.

I have submitted multiple disputes to each credit reporting agency, providing my government-issued identification and proof of my correct date of birth. Despite my repeated efforts, the inaccuracies have not been corrected, and the agencies continue to report an incorrect date of birth, numerous unauthorized inquiries, and debts that do not belong to me. 

I am now XXXX XXXX XXXX and just starting out in life. However, these errors have left me with a severely damaged and inaccurate credit history, preventing me from building credit, applying for housing, or moving forward financially. 

No credit reporting agency has taken responsibility for correcting this issue, and I am asking for help to finally resolve it. I need my date of birth corrected, the fraudulent inquiries removed, and all debts that pre-date my XXXX birthday deleted from my reports. 

I respectfully request the CFPBs intervention to ensure that my rights under the Fair Credit Reporting Act are upheld and that these inaccuracies are corrected so I can begin my adult life with a fair and accurate credit record

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 2025-08-16 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
What Happened ( Statement of Pertinent Facts ) : Consumer Name : ( XXXX XXXX ) XXXX Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion 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 : A personal credit card account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX XXXXXXXX A checking account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have 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 the FTC Identity Theft Criminal Complaint ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: SC

Complaint narrative:
( all bureaus recieved this letter ) RE : Account # ( Fill in Account Number ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following Violation of the Fair Debt Collection Practices Act I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 2025-08-16 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: I.C. System, Inc.
State: FL

Complaint narrative:
I was trying to start a business in 2020 and I applied for a business loan and was denied. Thats when I decided to take a good look at my credit score when I realized that my credit report showed accounts in collections that I never authorized. I tried contacting companies but no one ever helped. At that time I was going through a difficult time with my mental health after my mothers passing and Covid. I didnt have the mental capacity to think about my credit at the time and try to fix it so I didnt contact anyone else until now that I am trying to dispute these accounts.

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 2025-08-16 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: MS

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my Equifax credit report within XXXX days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. The fraudulent hard inquiries are : Unauthorized Inquiry sXXXX  - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry XXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX - XXXX Unauthorized Inquiry sXXXX XXXX  - XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX 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 2025-08-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: FL

Complaint narrative:
I made a purchase through Zip Pay ( Order # XXXX ) on XX/XX/year> from XXXX XXXX for three pairs of shorts ( Merchant Order # XXXX ). The package was misdelivered to the wrong address. 

I contacted XXXX XXXX multiple times through email, their website form, and social media. I never received any replies. Later, my boyfriend reached out to the company and was sent a PDF showing they had replied but I never received any of these messages, even after checking my inbox and spam folder. When I finally saw their response, XXXX XXXX refused to provide a refund or reshipment, stating they would only resend if the package was returned to their warehouse. This has not happened, and I remain without my order. 

I contacted Zip Pay on XX/XX/year> to dispute the transaction since I never received the merchandise. Over the course of nearly XXXX weeks, Zip repeatedly told me my case was under internal review and that I would receive follow-up via email. NO ONE ever contacted me with a resolution. Eventually, Zip closed my case and told me to deal directly with the merchant, despite the merchants documented refusal to assist. 

Zips refusal to support me in a clear item not received situation has left me without the goods I paid for and no path to resolution through their platform. I believe they are failing to provide adequate consumer protection for buy now, pay later customers and are leaving consumers without recourse when merchants refuse to cooperate.

Company response to consumer: Closed with explanation