vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing fraudulent accounts that were wrongfully reported under my credit profile. These accounts were not authorized by me, do not belong to me, and are completely inaccurate. Their presence is harmful, misleading, and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
Supplemental Response Complaint # XXXX Consumer : XXXX XXXX XXXX DOB : XX/XX/year> SSN ( last four ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am submitting this supplemental response regarding Complaint # XXXX to clarify the nature of my dispute. 

Clarification This is not a fraud or identity theft claim. My complaint concerns the presence of inaccurate and duplicative personal identifiers on my credit reports maintained by Experian, Equifax, and XXXX 

Specifically, I am requesting the permanent deletion of incorrect name variations, addresses, and employers that do not belong to me. My correct personal information is already documented in my original complaint and supported by the government-issued ID, Social Security card ( last four ), and proof of address I provided. 

Statutory Basis FCRA 607 ( b ) : Requires credit reporting agencies to assure maximum possible accuracy of consumer information. 

FCRA 611 ( a ) : Requires a reasonable reinvestigation when notified of disputed information. 

Incorrect names, outdated addresses listed as current, and employers not belonging to me are clear inaccuracies under the statute. 

Requested Action Process this complaint as an FCRA personal information dispute, not fraud. 

Delete all incorrect identifiers listed in my original complaint ( name variations, outdated addresses, incorrect employers ). 

Retain and report only my verified information : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Employer XXXX XXXX Provide a written confirmation letter and an updated credit report showing these corrections. 

Closing I respectfully request that the CFPB ensure the credit bureaus conduct a proper reinvestigation and correct the inaccuracies in compliance with FCRA 607 ( b ) and 611 ( a ). Labeling this as fraud is inaccurate and delays correction of clear reporting errors. 

Sincerely, 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 2025-09-10 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: TX

Complaint narrative:
Supplemental Response Complaint # XXXX Consumer : XXXX XXXX XXXX DOB : XX/XX/year> SSN ( last four ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am submitting this supplemental response regarding Complaint # XXXX to clarify the nature of my dispute. 

Clarification This is not a fraud or identity theft claim. My complaint concerns the presence of inaccurate and duplicative personal identifiers on my credit reports maintained by Experian, Equifax, and XXXX 

Specifically, I am requesting the permanent deletion of incorrect name variations, addresses, and employers that do not belong to me. My correct personal information is already documented in my original complaint and supported by the government-issued ID, Social Security card ( last four ), and proof of address I provided. 

Statutory Basis FCRA 607 ( b ) : Requires credit reporting agencies to assure maximum possible accuracy of consumer information. 

FCRA 611 ( a ) : Requires a reasonable reinvestigation when notified of disputed information. 

Incorrect names, outdated addresses listed as current, and employers not belonging to me are clear inaccuracies under the statute. 

Requested Action Process this complaint as an FCRA personal information dispute, not fraud. 

Delete all incorrect identifiers listed in my original complaint ( name variations, outdated addresses, incorrect employers ). 

Retain and report only my verified information : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Employer XXXX XXXX Provide a written confirmation letter and an updated credit report showing these corrections. 

Closing I respectfully request that the CFPB ensure the credit bureaus conduct a proper reinvestigation and correct the inaccuracies in compliance with FCRA 607 ( b ) and 611 ( a ). Labeling this as fraud is inaccurate and delays correction of clear reporting errors. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
This is my second request to dispute and remove the following incorrect address from my Experian credit report : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have never lived at this address, and it is not associated with me. Please remove it immediately as it may be linked to inaccurate or fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
MY PERSONAL INFORMATION WAS STOLEN OUT O MY LUGGAGE AND USED TO GET CREDIT CARDS AND OTHER THINGS IN MY NAME FRAUDULENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Zelle partners up with other bank apps which I dont think is a good idea when people send me money they ask for my phone number and I get it sent from Zelle to my bank app and Im not very comfortable with that because I have difficulties taking it out of my bank app into my XXXX XXXX  because I didnt want it to go to my bank app. I would prefer for it to go to my cash app. I feel that Zelle should be its own company and I dont think that it should partner up with any other banks or platforms because of how difficult it is to take money from the app to your bank to XXXX XXXX  or to whatever platform you want to take it to like chime or other banks and money apps. Zelle needs to work on a lot of its features and I just feel that Zelle is a difficult app to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
This is my third attempt to fix this issue, and I am extremely frustrated that these accounts are still showing on my credit file. These are not mine, and I have no knowledge of them. I already sent all required documents, including my FTC Identity Theft Affidavit, ID, proof of address, and other evidence, yet nothing has been resolved. Under the FCRA, fraudulent information should be blocked within four business days, a fraud alert should be placed to protect me, and a proper reinvestigation should be done. Instead, I keep receiving generic responses that say verified as accurate, without any proof or sources. This is unfair, unlawful, and continues to harm me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: OH

Complaint narrative:
I am filing this complaint regarding inaccurate and potentially unauthorized inquiries appearing on my credit report. 

I previously requested that these inquiries be investigated and verified. Some of them may have been reported in error or could be the result of a mixed file. To date, I have not received proper verification showing that these inquiries were made with my authorization and had a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ). 

The following inquiries are in question : XXXX XX/XX/year>XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the FCRA, consumer reporting agencies and furnishers are required to ensure that all reported information is accurate and verifiable. Inquiries that can not be substantiated must be deleted. 

I specifically requested that each inquiry be : Verified to confirm it was made with my authorization and had a permissible purpose. 

Accompanied with the name, address, and permissible purpose of the company that initiated it.

Since this verification has not been provided, these inquiries remain unverified and may be inaccurately damaging my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
VThis 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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
VThis 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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: IL

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. 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 FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IA

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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IA

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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: WV

Complaint narrative:
I'm reaching out to demand the immediate deletion of a tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it is not being reported with the maximum possible accuracy, as required by law. Thats not just a technicality thats a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

Let me be clear : If you can not report this tradeline with 100 % precision down to every detail, from dates to balances to payment history then you have no legal right to report it at all. Reporting partial, inconsistent, or unverifiable data is not only misleading, it directly damages my creditworthiness and credibility as a consumer. Thats not something I take lightly.

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