vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: AR

Complaint narrative:
GREETINGS I APPRECIATE YOUR ATTENTION TO THIS MATTER MY NAME IS XXXX XXXX. I HAVE SOME UNFORTUNATE NEWS I HAVE BEEN NOTIFIED I AM A VICTIM OF THE EQUIFAX DATA BREACH WHICH HAS RESULTED IN THE THEFT OF MY IDENTITY I AM SEEKING GUIDANCE PLEASE. I SEEK THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA SECTION 605B ( 15 U.S.C. 1681-c2 ). AS AN INDIVIDUAL IMPACTED BY IDENTITY THEFT, I AM ENTITLED TO REQUEST THE REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY CREDIT REPORT THANK YOU. This regulation mandates that credit. Here is the item I am asking you to verify as accurate : TRANSUNION : [ ACCT NAME : XXXX XXXX ] [ ACCT # XXXX ] [ ACCT NAME : XXXX XXXXXXXX ] [ ACCT # XXXX ] [ ACCT NAME : XXXX ] [ ACCT # XXXX ] [ ACCT NAME : XXXX ] [ ACCT # 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 2025-09-15 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-09-15 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I notice some accounts that I am not familiar with. I have requested full validation of debt from the credit reporting agencies ; however the information has not been provided.Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a screenshot showing my information being exposed in a national data breach, and a 605b attachment.

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 2025-09-15 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: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
I am submitting this complaint regarding unauthorized or inaccurate credit inquiries that appear on my credit report. Specifically, there is an inquiry from XXXX XXXX XXXX  ( Reference : SS XXXX ) and another from XXXXXXXX XXXX XXXX XXXX both of which were not initiated or authorized by me in any way. I did not apply for credit, authorize these companies to access my credit report, or consent to these inquiries. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information, and under FCRA 1681b ( c ), credit reporting agencies are required to ensure that credit inquiries occur only with a consumers permissible purpose. Despite my formal dispute to 3 Credit Bureaus, no reinvestigation results were provided, and both inquiries continue to appear on my report without explanation or verification. This failure to address unauthorized inquiries violates the FCRA and compromises the integrity and security of my credit file.

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 2025-09-15 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: FL

Complaint narrative:
I am submitting this complaint regarding unauthorized or inaccurate credit inquiries that appear on my credit report. Specifically, there is an inquiry from XXXX XXXX XXXX  ( Reference : SS XXXX ) and another from XXXXXXXX XXXX XXXX XXXX both of which were not initiated or authorized by me in any way. I did not apply for credit, authorize these companies to access my credit report, or consent to these inquiries. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information, and under FCRA 1681b ( c ), credit reporting agencies are required to ensure that credit inquiries occur only with a consumers permissible purpose. Despite my formal dispute to 3 Credit Bureaus, no reinvestigation results were provided, and both inquiries continue to appear on my report without explanation or verification. This failure to address unauthorized inquiries violates the FCRA and compromises the integrity and security of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/year> SSN : XXXX Date : EXPERIAN, TRANSUNION, EQUIFAX ________________________________________ To Whom It May Concern : I am writing to request a credit freeze ( also known as a security freeze ) be placed on my credit file. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Please take the necessary steps to ensure that no creditor, lender, or third party may access my credit file without my direct authorization.

________________________________________ Personal Information for Verification : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX ________________________________________ Required Action : 1. Place a credit freeze on my file immediately.

2. Send written confirmation that the freeze has been applied, including instructions for how I may temporarily lift or permanently remove the freeze if needed in the future.

________________________________________ Notice : Failure to comply with this request may result in enforcement action through the Consumer Financial Protection Bureau ( CFPB ) or my State Attorney Generals Office.

Thank you for your prompt attention to this matter. 
________________________________________ 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 explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was told I have a judgement for an apartment I Never lived at is reporting on my profile.

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 2025-09-15 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: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-09-15 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: TX

Complaint narrative:
I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : The method used to verify the accuracy of this collection account.

The name and contact information of the person or entity that provided the verification. 
Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law.

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 2025-09-15 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: TX

Complaint narrative:
On XX/XX/year> around XXXX, i sought to and started the process of transferring my current mobile phone line to XXXX  XXXX from my then service provider of XXXX XXXX . I did everything for this online via their website platform provided and for new customer onboarding. Around XXXX on XX/XX/XXXX, I changed my mind and decided to not continue and canceled the open application and remained XXXX XXXX . One part of the application phase is the new phone they offer " at a discount '' for new service established and the option is to pay in full at the end of the application process or finance via their affiliate which is XXXX. I chose finance and that required a separate approval process on a different website hosted by XXXX  where they given the amount the phone will cost as detailed by XXXX  on previous page, you I put number and if " approve it redirects you back to XXXX  to continue on XXXX service set up. I completed this step around XXXX XXXX  XX/XX/XXXX, and to reiterate, canceled the application process around 3 hours later. I have received no product, did not have a line set up with XXXX, did not port my number and still XXXX  demands I pay the amount that XXXX  said phone would cost during the initial set up pages of their application. The amount is not based on any transaction or actual data from XXXX  and yet they demand it's a contract I owe. They have now reported it as delinquent on my credit. I have sent numerous demands to cease collections and they have confirmed they have no supporting evidence to justify their belief I owe this money. XXXX  has not provided them XXXX evidence I have service or they provided the very equipment for which the amount they estimated for XXXX  " quick approval '' has been something that they gave to me. I demanded documents from them on the equipment that supports this charge, like serial numbers or the imei that XXXX  would have as proof they are provider on hypothetical phone. They have ignored everything. They were sent demands with documents on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they never provided anything beyond a seeming auto response that is unrelated or disregards the notices I provide completely. This now is harming my credit and financial health of my family and it's not only incorrect it's completely fraudulent.

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
They're charging overdraft on transaction in pending. They don't pay any bills because the pending falls off but they're charging overdraft fees on a positive balance. 
Sometimes, they'll take a payment out of already paid and put back in pending, then charge overdraft fees, then put the pending back in already paid, they're making a ton of money off customers by scamming people on overdraft fees, they're generating in pending.

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 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Originally I received an email on XX/XX/XXXX telling me that my XXXX  account was suspended and that I needed to verify my identity. I did so, and they emailed me on XX/XX/XXXX telling me " After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement '' and permanently suspended my account. 

I appealed this decision, after re-reading the terms and not seeing any activity on my account that was in violation, and they came back to tell me " After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/year>. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the XXXX  service. We do not make these decisions lightly, and when we do it is to help improve the safety of the XXXX  community. '' I asked them what the concerns are, what the problem with my account is, and have received no response. My account was suspended permanently without reason and it is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MD

Complaint narrative:
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Account Information Multiple Accounts Confirmation # : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of several accounts being reported on my Equifax credit file. This is in reference to my Equifax credit report prepared on XX/XX/XXXX ( Confirmation # XXXX ). The following accounts are being reported inaccurately and require reinvestigation under the Fair Credit Reporting Act ( FCRA ) : 1. Creditor : XXXX XXXX XXXX | Account No : XXXX XXXXXXXX | Status : Collection | Reported Balance : {$700.00} XXXX. Creditor : XXXX XXXX XXXX | Account No : XXXX XXXX | Status : Collection | Reported Balance : {$8100.00} XXXX. Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX | Account No : XXXX XXXX | Status : Charge Off | Reported Balance : {$1700.00} XXXX. Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX | Account No : XXXX XXXXXXXX | Status : Charge Off | Reported Balance : {$10000.00} XXXX. Creditor : XXXX Bank | Account No : XXXX XXXXXXXX | Status : Charge Off | Reported Balance : {$2200.00} XXXX. Creditor : XXXX | Account No : XXXX XXXXXXXX | Status : Secured Loan / Delinquent | Reported Balance : {$560.00} XXXX. Creditor : XXXX XXXX XXXX | Account No : XXXX  XXXX | Status : Collection | Reported Balance : {$940.00} XXXX. Creditor : XXXX XXXX XXXX | Account No : XXXX XXXXXXXX | Status : Collection | Reported Balance : {$1000.00} XXXX. Creditor : XXXX XXXX XXXX | Account No : XXXX XXXXXXXX | Status : Collection | Reported Balance : {$1500.00} XXXX. Creditor : XXXX XXXX  | Account No : XXXX XXXX | Status : Charge Off | Reported Balance : {$7100.00} XXXX. Creditor : First Premier | Account No : XXXX XXXXXXXX | Status : Charge Off | Reported Balance : {$1400.00} XXXX. Creditor : XXXX XXXX | Account No : XXXX  XXXX | Status : Charge Off | Reported Balance : {$14000.00} XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX | Account No : XXXX XXXXXXXX | Status : Charge Off | Reported Balance : {$6300.00} These accounts have either been reported with inaccurate information, contradictory notations, or without proper validation. I demand that Equifax conduct a proper reinvestigation of each of these accounts. If the furnishers can not provide verifiable documentation within 30 days, these accounts must be deleted from my credit file as required by the FCRA. 
Failure to comply will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I am also prepared to pursue legal remedies for willful non-compliance. 
Please provide me with written confirmation of the reinvestigation results. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: MO

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately DIV ADJ SERV Account Number : XXXX Please remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation