vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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 am disputing the following items on my Equifax credit report : Charged-Off Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$940.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I called the Experian and the won't give me my information because I moved I gave them a copy of my if they said they need a copy of my social nope you don't so she refused I said I'm not giving you a copy of my social she won't give me my credit reports

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 2025-12-01 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: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I am writing to dispute the following accounts that appear on my credit report. I believe these accounts are inaccurate or incomplete. Below are the details of the accounts in dispute, separated by each credit bureau. 

XXXX  ( XXXX ) CHARGED OFF ACCOUNTS : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

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 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-12-01 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: AL

Complaint narrative:
I am writing to dispute inaccuracies in my credit report as per the Fair Credit Reporting Act ( FCRA ). The following accounts are inaccurately reported on my credit report, and I am requesting that the necessary corrections be made. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and fraudulent information on my credit reports maintained by Equifax, TransUnion, and Experian, in violation of the Fair Credit Reporting Act ( FCRA ). I believe these items result from identity theft or unauthorized use of my personal information by a scammer, as I did not apply for or authorize these accounts. 
I reviewed my credit reports and identified the following inaccurate/fraudulent accounts : XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) This account is not mine ; I did not apply for it or receive any benefits. 
XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) Reported with inaccurate payment history ( e.g., billing errors or late payments I did not make ). 
XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) Unauthorized and fraudulent ; appears on Equifax and TransUnion reports. 

Additionally, there are unauthorized hard inquiries associated with these accounts, which I did not initiate. These items have appeared without my consent, potentially linked to identity theft or data breaches. Under FCRA 1681b, credit reports can only be furnished for permissible purposes, and I provided no written authorization. 
On XX/XX/year>, I sent formal dispute letters to each bureau via mail, demanding investigation and removal under FCRA 1681i ( procedure in case of disputed accuracy ). I included proof of my identity ( driver 's license, Social Security card, and utility bill ) and explained that these accounts are fraudulent. Despite this, the inaccurate information remains on my reports ( or has not been resolved within the required 30 days ). The bureaus have failed to : Follow reasonable procedures to ensure maximum accuracy ( FCRA 1681e ( b ) ).

Properly investigate and verify the items with furnishers.

Remove or block the fraudulent information as required for identity theft victims ( FCRA 1681c-2 ). 

This has caused significant harm : XXXXl : Denied credit opportunities, including a home purchase. 
Emotional : Severe paranoia and anxiety requiring medication ; ongoing harassment from creditors via calls and letters about these unvalidated " debts. '' Reputational : Defamed my creditworthiness, leading to higher interest rates and stress. 

I have not received adequate responses or corrections, constituting willful noncompliance ( FCRA 1681n ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and fraudulent information on my credit reports maintained by Equifax, TransUnion, and Experian, in violation of the Fair Credit Reporting Act ( FCRA ). I believe these items result from identity theft or unauthorized use of my personal information by a scammer, as I did not apply for or authorize these accounts. 
I reviewed my credit reports and identified the following inaccurate/fraudulent accounts : XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) This account is not mine ; I did not apply for it or receive any benefits. 
XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) Reported with inaccurate payment history ( e.g., billing errors or late payments I did not make ). 
XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) Unauthorized and fraudulent ; appears on Equifax and TransUnion reports. 

Additionally, there are unauthorized hard inquiries associated with these accounts, which I did not initiate. These items have appeared without my consent, potentially linked to identity theft or data breaches. Under FCRA 1681b, credit reports can only be furnished for permissible purposes, and I provided no written authorization. 
On XX/XX/year>, I sent formal dispute letters to each bureau via mail, demanding investigation and removal under FCRA 1681i ( procedure in case of disputed accuracy ). I included proof of my identity ( driver 's license, Social Security card, and utility bill ) and explained that these accounts are fraudulent. Despite this, the inaccurate information remains on my reports ( or has not been resolved within the required 30 days ). The bureaus have failed to : Follow reasonable procedures to ensure maximum accuracy ( FCRA 1681e ( b ) ).

Properly investigate and verify the items with furnishers.

Remove or block the fraudulent information as required for identity theft victims ( FCRA 1681c-2 ). 

This has caused significant harm : XXXXl : Denied credit opportunities, including a home purchase. 
Emotional : Severe paranoia and anxiety requiring medication ; ongoing harassment from creditors via calls and letters about these unvalidated " debts. '' Reputational : Defamed my creditworthiness, leading to higher interest rates and stress. 

I have not received adequate responses or corrections, constituting willful noncompliance ( FCRA 1681n ).

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 2025-12-01 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: NY

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/year> XXXX I went to a chase atm and withdrew XXXX $ the transaction went through charged my cashapp the money as the money was dispensing the machine suddenly stopped dispensing my money and on the screen it said we can't complete your withdrawal right now. To make sure your account is credited correctly, contact your bank. 
All the info you need to open a claim 15 included on this recept from your transaction. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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 writing to dispute several accounts that are inaccurately reported on my credit reports with the three major credit bureaus ( XXXXXXXX ExperianXXXX XXXX XXXX ). Please review the following accounts in dispute and correct the errors accordingly. 

Charged-Off 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

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The record contains incomplete and inaccurate information relating to my financial history. I request a detailed assessment and necessary corrections.

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 2025-12-01 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: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
I already have a complaint and the company responded and in the response they said up to 60 days. That is outrageous this claim is bout money that is mine that I cant withdraw. 2 months is insane to have to wait for your own money. Its all I have its unacceptable I need my money asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing this complaint because multiple credit reporting agencies ( Experian, Equifax, and TransUnion ) and several furnishers continue to report inaccurate, incomplete, inconsistent, or unverifiable information on my credit reports. I have submitted written disputes, but the information has not been corrected, updated, or verified as required 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing this complaint because multiple credit reporting agencies ( Experian, Equifax, and TransUnion ) and several furnishers continue to report inaccurate, incomplete, inconsistent, or unverifiable information on my credit reports. I have submitted written disputes, but the information has not been corrected, updated, or verified as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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