vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
Permissible Purpose and Petition for Unauthorized Bankruptcy Account XXXX  Data Breach Victim ( Case No. XXXX ) LEGAL NOTICE OF IMPROPER BANKRUPTCY REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION ( SSN/DOB ) I am a California consumer, XXXX XXXX XXXX XXXX XXXX XXXX  and I am writing to lodge an urgent complaint regarding a serious inaccuracy on my credit report. Specifically, my report reflects a bankruptcy filing that does not belong to me. This false reporting is a direct violation of your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires your agency to follow reasonable procedures to assure maximum possible accuracy of the information it furnishes. The erroneous bankruptcy entry : { Case # XXXX : Alleged Date Filed XX/XX/year> : Court # XXXX : XXXX  XXXX } This has caused me significant distress, reputational harm, and potential financial damage. At my age, maintaining accurate credit information is essential to my financial security and peace of mind. The incomplete reporting of this bankruptcy compromises the accuracy of my credit file and also exposes liability under federal and California law. I have contacted the Bankruptcy Court and have been advised that the court does not interact with consumer reporting agencies regarding identification data. The bankruptcy record reported by your agency is not legally anchored to my identity as required. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are obligated to ensure that all information in consumer reports is accurate and complete. It is well established that a consumer report must include all legally relevant identifying details to avoid misidentification and resultant harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

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 2025-10-23 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: TX

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) # XXXX XX/XX/XXXX -- {$360.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: NJ

Complaint narrative:
Im on low interest repayment for {$200.00} a month. It expired on XXXX I have to reapply to try to get my payment lower. But Im not getting any help with lowering these payments. My federal loan was XXXX XX/XX/year> but Im still paying a private loan on a school that mislead their students and closed down. I shouldnt have to pay a high monthly payment on a loan that got discharged due to borrower defense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: WI

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-10-23 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: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly and negatively impacted both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, as the inquiries remain on my report. This inaction is completely unacceptable. The continued presence of these potentially fraudulent entries is highly concerning and raises serious questions of possible identity theft. This ongoing issue is causing significant emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: SC

Complaint narrative:
Hard inquiries accounts on my credit reports does not have permissible Purpose.

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 2025-10-23 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: IL

Complaint narrative:
in accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account, XXXX XXXX, Account number : XXXX  XXXX has violated my rights. I looked at my equifax credit report and seen there was inaccurate information regarding to loan amount, dates, etc. 15 USC 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 168i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Date : XX/XX/XXXX Complaint Summary : I am filing this complaint regarding a collection agency identifying itself as XXXX, which has been contacting me in an aggressive and threatening manner regarding an old debt originally related to a Wayfair purchase financed through Acima in XXXX. 

The representative who has been calling me is named XXXX XXXX. Between XX/XX/XXXX and XXXX, XXXX, she has left multiple voicemails that are aggressive and threatening in nature, stating that if I do not settle the alleged debt, they will contact my family members, call my employer, and file a claim with the County of XXXX XXXX, CA. I have saved these voicemails as evidence. 

I have serious concerns about the legitimacy of this company. When I contacted Acima, the original creditor, I was informed that the legitimate collection agency handling accounts like mine is XXXX XXXX XXXX XXXX not XXXX. This raises questions about whether XXXX is authorized to collect on this account. 

Details of Harassment and Misrepresentation : Collector name : XXXX XXXX XXXX name used : XXXX Dates of most recent contact : XXXX XXXX XXXX Method of contact : Phone calls and voicemails while I was at work Threats made : To call my employer To contact my family members To file a lawsuit or claim in XXXX XXXX XXXX, CA Original creditor : Acima ( XXXX XXXX, XXXX ) Legitimate collection agency ( per Acima ) : XXXX XXXX XXXX XXXX Impact : The repeated and threatening calls from XXXX XXXX have caused me significant stress, anxiety, and emotional distress, especially because she contacts me while I am at work and makes unlawful threats to involve my family and employer. 

Requested Action : I am requesting that the CFPB : Investigate XXXX and determine whether they are legally authorized to collect on Acima accounts. 

Take action to stop the harassment and threats made by this agency and its representative, XXXX XXXX. 

Ensure that my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) are upheld, including protection from harassment, false representation, and third-party disclosure threats. 

I am willing to provide saved voicemails, call logs, and any written correspondence as evidence. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: IN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-23 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: WV

Complaint narrative:
Found a complaint with all three credit bureaus and Equifax finally released theirs. They did not investigate it correctly nor did they delete it according to the fcra regulations. Equifax in return listed it as five missed payments on a closed account when that is illegal. They have been doing this all three credit bureaus have been I think out of spite because I keep coming through cfpb to dispute it. I would like these to be deleted off of my report because no one had authorization from me to share that information with anybody to start with. again they can not have late payments on a closed account and it shows in the pictures I sent you as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: WV

Complaint narrative:
Found a complaint with all three credit bureaus and Equifax finally released theirs. They did not investigate it correctly nor did they delete it according to the fcra regulations. Equifax in return listed it as five missed payments on a closed account when that is illegal. They have been doing this all three credit bureaus have been I think out of spite because I keep coming through cfpb to dispute it. I would like these to be deleted off of my report because no one had authorization from me to share that information with anybody to start with. again they can not have late payments on a closed account and it shows in the pictures I sent you as proof.

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 2025-10-23 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: IN

Complaint narrative:
Subject : Formal Dispute of Unverified and Inaccurate Reporting FCRA Violations & Data Breach Dear Equifax Dispute Department, Under the Fair Credit Reporting Act ( 602 ( a ), 607 ( b ), 611 ( a ), and 623 ( a ) ), I dispute the following accounts that appear on my Equifax credit report. Each contains false, incomplete, or unverifiable data and fails to meet XXXX compliance for accuracy and completeness. 
Disputed Accounts : 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 
Each item violates FCRA 607 ( b ) by failing to maintain maximum possible accuracy and 623 ( a ) ( 1 ) ( A ) by continuing to furnish disputed or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: DE

Complaint narrative:
I am filing this complaint because TransUnion has violated the Fair Credit Reporting Act ( FCRA ) by illegally re-inserting a previously deleted and inaccurate account, and by failing to remove multiple unauthorized hard inquiries that are harming my creditworthiness. 

XXXX. Illegal Reinsertion XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX account ( opened XX/XX/XXXX ) was previously disputed and removed from my TransUnion file due to inaccuracy. However, on or around XX/XX/XXXX, the account was reinserted and reported as a charge-off without proper notice to me as required under FCRA 611 ( a ) ( 5 ) ( B ). TransUnion failed to notify me within five business days of the reinsertion, violating federal law.

2. Unauthorized Hard Inquiries TransUnion has reported numerous unauthorized or excessive inquiries between XXXX and XX/XX/XXXX from the following companies XXXX XXXX XXXX XXXX multiple dates ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and others. I did not authorize multiple or duplicate pulls, and these entities did not have a permissible purpose under FCRA 604 ( a ).

3. Ongoing Harm These inaccuracies are lowering my credit score and preventing me from quali
fying for an auto loan. TransUnions failure to investigate and correct these errors violates FCRA 607 ( b ), 611 ( a ) ( 1 ), and 611 ( a ) ( 5 ).

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 2025-10-23 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 writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below. 

Below are the details of the unauthorized accounts and inquiries I have identified : XXXX. XXXX 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 XXXXXXXX * * * * XXXX. XXXX XXXX * * * * XXXX. XXXX XXXX XXXX * * * * XXXX. 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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: VA

Complaint narrative:
I have an account with Alberts online. I think it is through XXXX XXXX. I disputed XXXX charges from XXXX XXXX XXXX on XX/XX/year> and XX/XX/year> for {$10.00} and {$81.00}. These purchased were made without presenting the debit card. XXXX XXXX XXXX is in California and sells electronic devices and video games. I did not authorize these charges. I have tried to call XXXX XXXX XXXX but was on hold for XXXX minutes then disconnected.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 2025

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