vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$890.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/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 non-monetary relief
Consumer complaint received 2025-07-03 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: OK

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MO

Complaint narrative:
I made a police report from XX/XX/year> to may an I didnt receive any of my fund my mother was taking them it was fraud the direct express advocacy lady XXXX XXXX she was able To verify my id because she went back an listen to the recording she could tell what was me an not me they keep having me resend email I just wan na claim my money I already closed The account with them an have a new bank account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Possibly Resulting from XXXX Data Breach To Whom It May Concern, I am writing to dispute inaccurate information on my credit report that I believe may be the result of the Equifax data breach that occurred in XXXX. I recently obtained a copy of my credit report and discovered the following item ( XXXX ), which I did not authorize and believe to be the result of identity theft : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX XXXX  Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX XXXX Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX Account Number : XXXX XXXX of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), I am formally requesting that Equifax investigate this matter and either verify the accuracy of this item or remove it from my credit report. Enclosed are copies of documentation supporting my claim, including : A copy of my government-issued ID ( e.g., drivers license ) A copy of a utility bill or other proof of address A copy of my credit report highlighting the disputed item [ Any police report or FTC Identity Theft Report, if applicable ] Please conduct an investigation and notify me in writing of the outcome. If you find the account to be inaccurate or unverifiable, I request that you delete it from my credit report and provide an updated copy showing the correction. 

I appreciate your prompt attention to this matter. If you require additional information, please contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Possibly Resulting from XXXX Data Breach To Whom It May Concern, I am writing to dispute inaccurate information on my credit report that I believe may be the result of the Equifax data breach that occurred in XXXX. I recently obtained a copy of my credit report and discovered the following item ( XXXX ), which I did not authorize and believe to be the result of identity theft : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX XXXX  Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX XXXX Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX Account Number : XXXX XXXX of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : This account does not belong to me ; I did not open this account ; The listed debt is inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), I am formally requesting that Equifax investigate this matter and either verify the accuracy of this item or remove it from my credit report. Enclosed are copies of documentation supporting my claim, including : A copy of my government-issued ID ( e.g., drivers license ) A copy of a utility bill or other proof of address A copy of my credit report highlighting the disputed item [ Any police report or FTC Identity Theft Report, if applicable ] Please conduct an investigation and notify me in writing of the outcome. If you find the account to be inaccurate or unverifiable, I request that you delete it from my credit report and provide an updated copy showing the correction. 

I appreciate your prompt attention to this matter. If you require additional information, please contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
In XX/XX/XXXX, I discovered that an account had been opened under my name through Chime around XXXX without my knowledge or consent. I filed a CFPB complaint on XX/XX/XXXX, and Chime responded on XX/XX/XXXX requesting identity theft documentation. However, the upload link they provided did not work, which delayed my submission until XX/XX/XXXX. 

Chime acknowledged receipt of my documents but has not followed up since. Ive received no confirmation of an investigation, no results, and no timeline. Despite multiple attempts to follow up - including a formal escalation letter - I still have no resolution or explanation. 

This unauthorized account is actively preventing me from opening a new account with Chime. Ive requested full documentation ( including IP address, device ID, date opened, verification method, and transaction history ) but have received nothing. Im requesting CFPB assistance to ensure this is resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain Credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report pursuant to section 605B of the 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 non-monetary relief
Consumer complaint received 2025-07-03 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report pursuant to section 605B of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
XXXX Requests with Supporting Evidence, I have requested proof of these accounts belonging to me and have not received anything yet.

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 2025-07-03 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:
I am disputing a hard inquiry that I did not authorize. The presence of this inquiry has affected my credit score and, by extension, my ability to qualify for competitive rates on credit products.

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 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXX ] [ XX/XX/year> ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance : {$5600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
Last year, my social security number and other sensitive information was stolen. I created a police report and put a security freeze on my accounts for all credit bureaus. In XXXX of 2025 I tried to log into my Experian account to ensure credit was still frozen and realized my email and phone number was changed without my consent. I am now no longer able to log into my account because the email and phone associated with my account are both wrong. Experian created a case to resolve this issue and it is STILL not resolved ( 4 months later ) and I am no longer able to log into my account. Ive talked to at least XXXX different representatives and all they can do is create another case. Beyond this, its nearly impossible to get a live representative on the phone. The automated line has told me several times to resolve my issue online and that is not an option because I cant log in!! Im so disappointed and according to the Internet forums, several other people have had this exact issue! Experian needs to do better. This feels neglectful and no wonder everyones identity is being stolen when literally anyone can go in and change your personal information without you even knowing!

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