vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-04 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-03 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit repor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On several occasions and multiple dates I have applied for sever different credit cards and they won't approve me for a XXXX XXXXXXXX of them. They are sending me non-stop pre approved credit card applications, giving me false hope when they know for a fact they won't approve me and give me a fair chance. Every single time I apply they give me the same reason for denial. XXXX they say to many hard checks. XXXX no credit reporting. Well I can't have anything reporting if no one will give me a fair chance or a credit card to prove my self. Also as far as the hard checks go a person will keep getting them when applying XXXX XXXX  they get approved, which is not fair to look at, and is their fault to begin with giving me false hope. I see people with worse credit scores and more checks than me getting approved by them, it's like they pick and choose who they like to decide who gets credit and who does not which is not fair. I deserve a fair chance which they are not giving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed 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 promise has not been fulfilled these inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
Equifax has been providing incorrect information on my credit report and continues to change and alter my personal information repeatedly. After 42 years, they have altered my date of birth, changing the month, day, and year by several years, to something that is not even close to my actual date of birth. I have sent in my driver 's license several times to confirm this incorrect information. 

Additionally, they are reporting XXXX student loan accounts from XXXX XXXX that do not belong to me. They are also reporting a XXXX account with a balance that is not mine, as well as a XXXX account and balance that I did not open. Furthermore, they are reporting an account from XXXX XXXX that does not belong to me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: DISCOVER BANK
State: GA

Complaint narrative:
XXXX adding additional information because Discovers explanation does not address the actual violations. Their response ignores the fact that this account has been closed since XX/XX/XXXX, yet they continue furnishing new monthly updates well into XXXX, which is clear re-aging under the Fair Credit Reporting Act. 

Each bureau shows different last update dates XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX meaning Discover keeps re-verifying and re-reporting this closed charge-off as if its active. Thats deceptive and misleading to lenders because it makes the delinquency look recent when its not. 

Discovers own letter admits the account was charged off XX/XX/XXXX, but also lists the Date of First Delinquency as XX/XX/XXXX. Thats impossible under FCRA 623 ( a ) ( 5 ) ( A ) the charge-off date can not occur only XXXX months after the first delinquency unless they manually changed the XXXX. Thats a classic re-aging violation. 

On top of that, my reports show constant cycling of remarks like dispute resolved, consumer disputes after resolution, and dispute in progress, across different bureaus at different times. Thats not a factual reflection of a closed account its manipulation of dispute codes. 

This violates FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ) and 607 ( b ) ( failure to maintain maximum possible accuracy ). It also breaches 611 ( a ) ( 5 ) ( B ), which prohibits reinserting or altering deleted or corrected data without proper certification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion are reporting inaccurate, unverifiable information and unauthorized hard inquiries on my credit reports. 

There are several accounts being reported as charge-off or collection that are not supported by any original signed contract, billing statements, or proof that the debt is valid and legally owed. I requested verification and proper documentation, and the credit bureaus only responded with automated form letters. This violates the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), which requires a reasonable investigation and proof, not generic responses.

In addition, multiple companies accessed my credit without my knowledge or written consent. These inquiries do not have a permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ), yet they remain on my reports, damaging my credit score.

I am requesting that the CFPB require the credit bureaus to : Provide proper documentation with my signature showing that I authorized these accounts and inquiries, OR Permanently delete the unverifiable accounts and unauthorized inquiries from all credit reports.

This situation is affecting my creditworthiness and my ability to obtain housing, credit, and fair financial opportunities. I have attached a copy of my ID, proof of address, and pages of the credit report showing the accounts and inquiries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion are reporting inaccurate, unverifiable information and unauthorized hard inquiries on my credit reports. 

There are several accounts being reported as charge-off or collection that are not supported by any original signed contract, billing statements, or proof that the debt is valid and legally owed. I requested verification and proper documentation, and the credit bureaus only responded with automated form letters. This violates the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), which requires a reasonable investigation and proof, not generic responses.

In addition, multiple companies accessed my credit without my knowledge or written consent. These inquiries do not have a permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ), yet they remain on my reports, damaging my credit score.

I am requesting that the CFPB require the credit bureaus to : Provide proper documentation with my signature showing that I authorized these accounts and inquiries, OR Permanently delete the unverifiable accounts and unauthorized inquiries from all credit reports.

This situation is affecting my creditworthiness and my ability to obtain housing, credit, and fair financial opportunities. I have attached a copy of my ID, proof of address, and pages of the credit report showing the accounts and inquiries in question.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX XXXX, XXXX is inaccurately reporting a charged-off account on my credit reports under account number ending in XXXX. I also have another XXXX account opened on the same date ( XX/XX/year> ) that is active and in good standing. The charged-off account appears to be a duplicate or false account. 

I previously disputed this information with the credit bureaus and requested that XXXX verify and provide documentation, but they did not send me any proof that the account was valid or legitimately charged off. They have continued to report the account as charged off, which is inaccurate and misleading. 

This incorrect reporting has damaged my credit score and created confusion about my credit history. XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and verifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the false late payment remarks on my accounts are in violation of 15 U.S.C. 1666. I have consistently made my payments on time, and any inaccuracies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Larry H. Miller Group of Companies
State: NJ

Complaint narrative:
Prestige Auto Financial deficiency is being collected by a law firm without proper validation.The alleged balance of {$6800.00} is unsupported and not documented. The collector has not produced chain of assignment, original settlement contract, nor post repossession sale accounting ( gross sale price, sale date, sale location, net proceeds, arithmetic ). This violates FDCPA 809 ( b ) and FCRA reasonable investigation standards. They are attempting to collect and furnish a disputed amount without competent evidence. I am requesting CFPB enforcement for failure to validate prior to continued collection activity and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit report contains collection accounts that I believe include inaccurate information. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed as correct, I ask that they be removed.

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 2025-11-03 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: TX

Complaint narrative:
Recently I checked my Equifax credit report and see few inaccurate reports in my record and as a formal notice of violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following accounts have violated my rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been reported or verified inaccurately, and as such, are in direct violation of the FCRA. 

According to 15 U.S.C. 1681e ( b ), 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.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), If after any reinvestigation the disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall promptly delete or modify that item and notify the furnisher of the results. 

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 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. 

These statutes clearly outline your responsibility to ensure the accuracy, privacy, and integrity of all consumer information you report or furnish. Failure to comply with these laws constitutes a violation of my federal rights.

Company response to consumer: Closed with explanation