vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint regarding inaccurate personal information reported by the credit bureau. My correct name is XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. I want this to be only address shown on my credit report. 

There are multiple old and incorrect addresses still listed on my file. I am requesting the removal of the following : 1. XXXX XXXX, XXXX, MI XXXX 2. XXXX XXXX XXXX, XXXX XXXX, MI XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX 5. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 8. XXXX XXXX XXXX XXXX, XXXX, MI XXXX 9. XXXX XXXX XXXX XXXX, XXXX, MI XXXX These addresses are outdated and should not appear on my report. 

I am also requesting the removal of the following outdated employer : 1. XXXX These errors violate the FCRA and the Privacy Act of 1974. Please update my report to reflect accurate and current personal information only. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-07-10 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: AL

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 168b permissible purposes of consumer reports. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am asking you to please review your data on file for me and ensure that it is accurate and up to date. I am relying on you to comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards to ensure that all information in my credit report is correct. If you find any inaccuracies or deficiencies in the reporting, please correct them immediately. Thank you for your cooperation in this matter.THESE ARE THE CORRECTIONS ( XXXX XXXX XXXX DATE REPORTED XX/XX/XXXX {$630.00} ) ( XXXX XXXX XXXX DATE OPENED XX/XX/XXXX {$480.00} )

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 2025-07-10 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am writing to formally dispute one or more unauthorized or inaccurate hard inquiries listed on my credit report. Despite my attempts to resolve this issue directly with the credit reporting agencies and/or the creditors involved, the inquiries have not been removed. 

The following inquiries appear without my knowledge, authorization, or any permissible purpose under the Fair Credit Reporting Act ( FCRA ) : [ XXXX ] XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX  ] [ XX/XX/XXXX ] [ Navy FCU XXXX [ XX/XX/XXXX ] [ Navy FCU ] [ XX/XX/XXXX ] Under the FCRA, a company must have a permissible purpose and obtain my consent before pulling my credit report. I have not applied for credit with these companies and did not authorize these inquiries.

I am requesting that the CFPB investigate this matter and ensure the removal of these inquiries from my credit file, as they are negatively affecting my credit score and overall financial standing.

I have included documentation such as a copy of my credit report with the inquiries highlighted, prior dispute letters, and any responses received from the creditors or credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
I am submitting this complaint against Experian, Equifax, and TransUnion due to their ongoing failure to comply with federal law under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c2 ), which mandates the removal of identity theft-related information within four business days. 

I am a victim of identity theft and have already submitted an FTC Identity Theft Report ( # XXXX ), a completed identity theft affidavit, a copy of my driver 's license, Social Security card, passport card, a bank statement verifying my address, and a full dispute letter package to all three credit bureaus. 

Despite this, the following violations have occurred : They failed to remove fraudulent tradelines that were clearly opened without my authorization.They failed to block unauthorized hard inquiries, which continue to appear on my reports.They failed to delete consumer statements and alerts related to fraud that are inaccurate, not written by me, and are damaging to my credit and reputation.

These actions violate FCRA 605B and case law such as XXXX XXXX TransUnion LLC, which affirms a consumers right to have erroneous and reputationally harmful information promptly corrected. 

Fraudulent Accounts Include : 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 XXXX XXXX ) Unauthorized Inquiries Include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion & Experian ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXXXX/XX/XXXX ( TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX ( Equifax ) XXXX XXXX XXXXXX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax )

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 2025-07-10 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:
I am submitting this complaint against Experian, Equifax, and TransUnion due to their ongoing failure to comply with federal law under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c2 ), which mandates the removal of identity theft-related information within four business days. 

I am a victim of identity theft and have already submitted an FTC Identity Theft Report ( # XXXX ), a completed identity theft affidavit, a copy of my driver 's license, Social Security card, passport card, a bank statement verifying my address, and a full dispute letter package to all three credit bureaus. 

Despite this, the following violations have occurred : They failed to remove fraudulent tradelines that were clearly opened without my authorization.They failed to block unauthorized hard inquiries, which continue to appear on my reports.They failed to delete consumer statements and alerts related to fraud that are inaccurate, not written by me, and are damaging to my credit and reputation.

These actions violate FCRA 605B and case law such as XXXX XXXX TransUnion LLC, which affirms a consumers right to have erroneous and reputationally harmful information promptly corrected. 

Fraudulent Accounts Include : 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 XXXX XXXX ) Unauthorized Inquiries Include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion & Experian ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXXXX/XX/XXXX ( TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX ( Equifax ) XXXX XXXX XXXXXX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian makes it impossible to reclaim your credit history/report/account once they have allowed others to seize control of it. 

Once again, for the 5th time since 2024 Experian has allowed someone to take over my account by merely changing an email address, username, and password. You can not reach any person and their automated services do not provide a path to get this corrected.

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 2025-07-10 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: MS

Complaint narrative:
I am writing to formally dispute several student loan accounts that have been reported on my credit file without my knowledge or consent. I did not authorize or initiate these loans, and I believe they may be the result of identity theft or a reporting error. 

The accounts in question are : Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these unauthorized accounts be investigated and removed from my credit report. I am prepared to submit an Identity Theft Report, including a police report and a signed FTC Identity Theft Affidavit, if required.

Please consider this my formal dispute under 611 of the FCRA. I request a written response within the 30-day time frame mandated by law. If these accounts can not be verified as legitimate and authorized, they must be permanently deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Please remove this negative accounts because it is harming my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: DC

Complaint narrative:
In XXXXXXXX XXXX  my Mohela balance starting to accrue some kind of interest with no receipt of charges added on my account. I have screenshots of the balance going up and the increased balance on my loans was showing up on my credit report. My interested was listed as 0 % and I was in SAVE forbearance. In XX/XX/year> I called Mohela and waited 3.5 hours on hold. When I got through to a person they told me that was an error and they would update my account to fix the issue. I asked if my balance would then be returned to the original correct amount and they said yes. It is now XX/XX/year>, I have not seen any other amount added, but my account balance has not been returned to the correct amount. I have been charged about {$1000.00} with no receipt of why. I have personal screenshots of the balance and evidence from my credit report to show this has occurred. I also recorded my conversation with Mohela.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX there was an inquiry by bank of america, they said they verified it, i did not give consent and this is my personal file, what method was used to verify? How did they verify .. need this 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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX a on line bill payment was made. The payment has yet to receive the payment.

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 2025-07-10 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: NC

Complaint narrative:
I am disputing a charge off account being reported by XXXX XXXX XXXX and appearing on my credit report from Transunion, Experian and XXXX. This account inaccurately reported in violation of the Fair Credit Reporting Act, specifically 15 U.S.C 1681e ( b ), which requires that consumer reporting agencies and furnishers maintain reasonable procedures to assure maximum possible accuracy.

This account is being reported without a valid or complete account number, making it impossible to verify or trace. In addition, the payment history is inaccurate and unverifiable, as it can not reasonably be attached to a non specific or missing account number. 
I submitted a formal dispute to the credit bureau. The response was insufficient, and the inaccurate reporting remains. Without a complete account number, any reported activity is baseless, unverifiable, and misleading. 

I am requesting CFPB assistance to : 1. Have the furnisher and/or credit bureau provide verified documentation supporting the accuracy of the account.

2. Remove the inaccurate account if it can not be substantiated.

3. Enforce compliance with 15 U.S.C 1681e ( b ) regarding the duty to report only accurate, verifiable information. 

This error is materially affecting my credit file and overall financial standing.

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 2025-07-10 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief